Early retirement is a situation you may face either by choice or by force due to compelling circumstances. If you voluntarily choose to retire early, then in all probability you would have chalked out the course of action your life will take post retirement. However, if you are suddenly forced into early retirement, for example, when your employer asks you to retire ahead of your original retirement schedule, you are probably caught off guard, with absolutely no clue about how you are going to occupy yourself in your forthcoming idle life. This situation may also arise if you have voluntarily put in your retirement papers but have not planned your future course of action.

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Have you ever considered the cost of waiting to start saving? When you do it will make you sick. If you want to accumulate $1,000,000 when you are 65, how much would you have to save? It all depends on when you get started.

If you start when you are 20 you have to save $300 a month. Now that seems like a lot for a 20 year old but maybe it isn’t. Avoid a trip to Starbucks each day and make your lunch and you are looking at $10 a day in savings. $300 a month easily.

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Leads are the insurance agent’s life blood. When there is no one to talk to about our products fear and panic invades our world.

There are tons of ways to find annuity leads as long as you rethink your marketing plan.

Target Marketing.

I am sure you have heard it many times and it sort of slides over your prospecting efforts so here is a way to find our target market. First identify who you are trying to talk to as a prospect. If you haven’t thought about it or if you haven’t defined it you can use mine as an example.

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In my Grandmother’s later years she found a handsome boyfriend. He lived only a five minute drive away from her, but that distance felt more like the Atlantic Ocean. Both my grandma and her beaux had lost their ability to drive years before; my grandma from macular degeneration, and he from poor overall health. She began to worry about her ability to carry-out her simple everyday tasks and keep in contact with the man in her life.

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When we made Puerto Vallarta, Mexico our permanent residence a decade ago, our friends back in the States frequently asked if we felt stranded in the Third World. The answer was no; perhaps the Second World! Prior to the demise of the USSR, the Second World consisted of the communist bloc countries. Since the collapse of the iron curtain, there are no longer any Second World countries, so perhaps we can promote Mexico to the New Second World! Actually, Mexico along with China, India, Brazil, Turkey, and others are recognized as Newly Industrialized Countries or NIC´S. These NIC´S have more advanced economies than the developing countries of the Third World, yet have not attained the level of developed countries of the First World.

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Some say that Banderas Bay was formed from a volcano; that it is so deep that no instruments have ever been able to accurately detect its depth. Others claim it to be two miles deep. They are all incorrect as it’s merely an extension of a canyon running from the Banderas Valley or Ameca Valley with its deepest point near Cabo Corrientes, measured at 900 meters or approximately 3,000 feet. Many of the local residents and many of the previously written articles about the Puerto Vallarta area will tell you that Banderas Bay is the largest bay in Mexico and the second largest bay in North America, only behind the Hudson Bay. Obviously they haven’t seen the Chesapeake Bay! Again, a slight stretch of the truth in that it’s only the third largest bay in Mexico. At approximately 500 square miles in area, one could say that Banderas Bay is a bit smaller than the 6,000 square mile Campeche Bay and the same holds true for Chetumal Bay, the large body of water located south of the Yucatan Peninsula. Most locals indicate that Banderas Bay is not only the largest bay in Mexico, but it’s also the third largest bay in the world. Wow, now that’s a real stretch, when you have bays the size of Bengal Bay with its area of 1,300,000 square miles. We hate to burst anyone’s bubble, but, Banderas Bay might not even rank in the list of the world’s largest bays; nevertheless, it’s large and it’s deep!

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