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Retirement Planning: How to Retire Happy

Old couple enjoying their retirementRetirement should be a glorious time. You have all the time in the world to finally do what you want and spend all that money you’ve been saving without guilt because that’s why you saved it in the first place.

Ironically, surveys suggest that not all retirees retire happy or as happy as they expected to be. Why? Because some retirees forgot to plan what they’re going to do once they’re retired. That said, below are some ideas for enjoying your retirement.

Plan for Major Life Decisions Well in Advance

Consider things like when should you quit working? Will you be staying put or relocating? When should you claim your benefits? And most of all, what are you planning to do with all your time? While you don’t need to have the answers all figured out at once, you should ideally start mulling them once you turn 50 since you will be qualified to make catch-up contributions to your retirement fund at that time.

One of the top financial advisors in CT also suggests that you ensure your investment portfolio is transitioning to an allocation of assets that would leave you less susceptible to a market depression. He adds that you should also start monitoring your expenses and determining how you budget would change when you retire.

Think About your Lifestyle

Essentially, you need to stay as healthy as possible to enjoy your golden years. Getting ample sleep, eating right, and exercising regularly could all help, and while you can’t do anything about genetics and chance, getting regular checkups is a great start.

Maintain relationships with family and friends. Get out and socialize, make new friends, take up a new hobby or revisit an old one, take classes, become a volunteer and travel. Put simply, take care of yourself and have fun!

Develop a Routine

Whether it’s a weekly family dinner, brunch with friends, daily sunset yoga in the park, or bowling with former colleagues on Thursdays, a routine will lend some much-needed structure to your retirement life. You should also know that according to studies, some of the oldest individuals in the world live for routines, so maybe there’s something there.

The Takeaway

All in all, to enjoy your retirement, plan well ahead in advance for all the important stuff and make sure that you’ve got all your financial ducks in a row. Make sure that you have a plan for what you’re going to do and do it.

December 13, 2017 at 10:08 amLifestyle

3 Things That Explain Why Utah Is a Great State to Do Business

Image of Utah skylineUtah consistently ranks as one of the best states for business-minded individuals. In 2017, Forbes placed the Beehive State in second place. What factors could have been influencing this excellent business climate?


Unlike some states, Utah levies almost all types of taxes including personal and corporate income tax, as well as property tax. The biggest difference – and something business owners would appreciate – is the simplicity.

Utah now uses a flat rate of 5 percent for personal income tax. There is also a fixed rate of 4.7 percent for state sales tax. Local rates, on the other hand, can vary. Overall, the state’s taxes are near the national average.


Utah also has one of the most vibrant economies in the country. In a 2016 WalletHub report, it placed third after California and Washington in the overall rankings. Meanwhile, it ranked fifth in economic activity and fourth in innovation potential. It scored the highest, first place, in terms of financial health.

The state bested Florida in the highest GDP growth and California in the most startup activity. It placed first in the highest change of non-farm payrolls.

Business Community

Businesses thrive when the owners receive all the support they need from the government and their community. Utah has a publication called Doing Business in Utah, which provides all the essential information one needs to start and manage an enterprise in the state.

There are business organizations that offer workshops and guidance for starters. For those who are into tech, Utah is the place to be. With its numerous start-ups, others now see it as the next Silicon Valley. Doing business in Utah is easier than in other states as one can easily find funding.

However, out-of-state entrepreneurs can also establish here by opting to buy a business in Utah, which firms such as Utah Business Consultants can help you with. This option is even ideal as a homegrown professional can provide ideas on how to start with the least risks.

Utah is not a perfect state. It does have its own business-related issues including a softer economic outlook or a high labor cost. However, more often than not, the benefits outweigh the disadvantages.

December 12, 2017 at 1:36 amBusiness Electronica

Email Marketing Strategies: What are Your Options?

A businessman using his emailWith over 144 billion emails being sent and received every day, email marketing ranks as one of the most elite means of business communication.

A standard inbox of an average consumer roils with competitive subject lines, attention-seeking emails, as well as dozens of email marketing services messages. So, how do you separate the signal from the noise? Vonazon and other marketing agencies share the following tips:

Personalization without the recipient’s name

According to a study by the Temple University’s Fox School of Business, personalized email greetings could be harmful to your marketing strategies. This is because of the recent rise in cyber-criminal activities such as identity theft and credit card fraud. As such, consumers are becoming overly cautious of emails with personalized greetings.

Here is the takeaway: gather little knowledge about your recipient and form a small time relationship with them before placing their names on the Internet. Find out the products they use, their history of purchase, and their favorite products before bombarding their inbox.

Short vs. long subject lines

A majority of people are obsessed with crafting a perfect subject line that they end up messing it. There are two major areas that you should always avoid. These include the 60-70 characters subject line and the extremely persuasive words.

Make sure that the subject line of your emails has less than 49 characters, as these will have a higher click through and open rate. Additionally, avoid words such as “must,” “last chance,” and “don’t be left behind.”

Give your readers something

Consumers love freebies. Studies say any email sent to consumers with a template, tools, or an eBook attached has a greater possibility of being opened and read. Depending on your line of business, you may also include photo albums, brain teasers, and expert interviews. This will not only make the consumers open your emails, but also respond to them.

Knowing the right strategies to email marketing only makes half of your marketing achievements. The other half lies in getting the right marketing agency that can help you apply the strategies effectively. Find an agent who is a team player and will listen to your needs and approach, and help you convert your efforts to sales.

December 7, 2017 at 7:46 pmThe Marketing Section