How to Earn After Retirement

Create a post-retirement budget, if you have not already done so. Knowing exactly how much you are spending in retirement allows you to set an earnings goal and determine how much extra money you need to bring in.
Add up all your sources of post-retirement earnings, including earnings from certificates of deposit, money market funds, stock dividends and other sources of income. Also include the monthly amount of any pensions or Social Security payments you receive. Add up your monthly income from all these sources and compare those earnings to the amount you need to live comfortably in retirement.
Seek out employment opportunities in your former field if you still have contacts at your former employer, or similar firms. You might be able to find consulting work, or part time contract positions, to help you make up any shortfall in your monthly income.
Check for temporary employment opportunities in your area. Temporary employment can be a good way for retirees to get a foot in the door at local companies, or to try out several different types of work. Many temp agencies provide temporary to permanent positions, as well as traditional temporary assignments, and some agencies even specialize in helping older workers re-enter the workforce.
Seek out ways to turn your favorite hobby into a small business. If your retirement has given you a chance to improve your golf game, perhaps you could give lessons at the local country club. If you are an accomplished photographer, you might be able to teach a photography course at the local community college. Turning what you love to do anyway into a side business is a great way to earn money in retirement and have a wonderful time doing it.
Consider selling items on eBay as a way to clean out your closet and make some extra money. Not only will you clear up some storage space, but you will also get an idea which products sell the best. Armed with that information, you can use your ample free time to scour yard sales, flea markets and rummage sales for great finds. Joining the ranks of eBay entrepreneurs can also keep you active and engaged.
Sign up for a number of freelance websites and look for projects that fit your background and interests. You spent your career gathering knowledge, and others are willing to pay you for what you know. Freelance sites can be a great way to increase your earning power and use the skills you have acquired.
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How to Start a Martial Arts Business (8 Steps)

Start by gaining knowledge about the martial arts. Find out about about the industry (tournaments, training methods, etc..) if you want to start a martial arts business . Train in one or more of the martial arts (Karate, Taekwon-do, Jujitsu, etc..) and learn about the different fighting styles. You'll gain more credibility if you become a black belt yourself in one of the martial arts disciplines.
Look for a location for your business. Choosing a good location is essential for your success. You want to find a building that is large enough to house your practice room and your store. It should also have a parking area and be close to residential areas. People won't want to travel too far to come to classes.
Secure funding. Talk to a bank about getting the financing you need to start a martial arts school. The bank will decide whether you are credit-worthy by looking at your credit score. When requesting a loan, be sure to ask for all the money that you will need at once--this includes money for the location, equipment, advertising and salaries of your employees.
Register your business. File the paperwork to register your martial arts business with the local and federal government. A lawyer can help you with this if you are not sure that you are doing things right.
Purchase equipment needed for a martial arts business. The classroom area should have mats on the floor and mirrors on the walls. You'll also need to purchase proper training gear and clothes for your prospective students and maybe a few display weapons to sell in the store area.
Set up the inside of your training facility and store areas. Be sure to keep safety in mind.
Hire employees trained in the martial arts. Employees will make or break your business. Choose employees that have specialized training in each of the martial arts you plan to focus on. Also, consider hiring workers that enjoy working with children, since many of your students will be children.
Advertise for customers. Look for local customers through newspapers or fliers. You can also network with websites that focus on the martial arts. These sites can lead people that are interested in the martial arts to your school.
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How to Make Money with Paid Focus Groups

Find local companies that run focus groups by searching for your city in the 'Focus Group Facilities' box on the GreenBook website. While GreenBook is aimed at companies that want to conduct focus groups, it's also a useful way for people who want to be in the groups to find reputable companies.
Contact the companies you located in your area by going to their websites and looking for a link that says something like 'join database.' Follow the instructions there to apply either online or by telephone.
Check Craigslist for additional listings of focus groups. First locate and click on the name of your city. Then find the 'Jobs' heading and click on 'ETC.' At the top of the page that comes up, conduct a search for the word 'focus.' You'll see listings from companies recruiting for specific focus groups. They are usually looking for people who meet specific requirements. If you are a match, follow the instructions, which usually require you to fill out an online survey form as the first step.
Call the recruiter back right away if you get a message that a focus group company has called you. The groups typically fill up fast, so don't delay.
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How to Make Money at Home Using Web Design (8 Steps)

Open a web hosting account for your business. Choose an account type that allows you to host several sites on one account, since you'll need to do this to design websites for companies.
Buy a web domain for your business. Choose a professional name for the domain that clearly states who you are or that you are a web designer. For example, choose 'robsmithwebdesign.com' or 'wonderfulwebdesigns.com,' not 'smithsspectacularsite.com.'
Put your web design skills to work making your website look professional and informative of the services you provide. Refer to web design manuals to learn the most up-to-date skills to impress potential clients.
Contact businesses in your area that don't currently have websites to convince them of the value of an Internet presence, namely that they can access more potential customers. Refer them to your website to show them what you can do.
Estimate how long it would take you to design a website for the company, according to what the client requests. If you'll also have to maintain the website, estimate how much time it will take you to do that each month. Determine a price for your services based on this and quote it to the client. Require a portion of your fee upfront to protect yourself in the event that the client refuses to pay you for the website when you finish.
Contact your web hosting company to set up a website for the client on your account. Choose a domain name that the company agrees to and that won't confuse the public as to whose website it is. (For example, avoid a domain like 'titostacos.com' for Tito's Mexican Restaurant if there is a local restaurant called Tito's Tacos.) Set up login information for this website that is different from your main website to allow the client to log in, if necessary.
Design the website according to the client's requests, checking in as you work to make sure that you're going in the right direction. Do as much work as possible to prevent confusion on the client's part when you turn the website over to him. For example, install an online store with categories already in place in case your client doesn't know how to make store categories.
Deliver the website login information to your client, along with instructions for use. Collect the remainder of your payment. If you'll be maintaining the website for the client, provide a written notice of how much money he will owe you each month for your services.
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How to Make Money on Junk (4 Steps)

Clean the house and put all of the 'junk' carefully in large plastic tubs. Keep clothing separate from everything else. Wrap breakables in newspaper or old towels. Clean all junk items. Wash clothing if necessary, fold neatly and place it in a large plastic tub. Wash and dry old children's toys so they are appealing to another family. Remove all dust and grime from any and all junk items for sale.
Know your markets. For example, to sell old clothes check out the consignment and thrift stores in the area. Different stores cater to different styles and clientele. A consignment store with ball gowns in the window may not cater to people looking for used children's clothes. Ask for the consignment agreement; different stores share different percentages of the sale with the consignee. The agreement will also tell you when the stores accept items, and what they are and are not accepting at any given time. After spending time looking at items in different thrift stores, bring in the items for sale that you think will sell in that particular store.
Sell your junk online. EBay is a popular website on which to do this, but other options are available, such as Sell.com and even Craigslist. To sell on eBay, open an eBay account and a PayPal account, both of which are free. You will be charged nominal fees for selling on eBay, but only when you use the service. There are no ongoing monthly fees. Take pictures of your junk with a digital camera to sell it on eBay. It is best to photograph stuff for sale against a monotone background and in good light. Show the junk off at its best.
Choose a day in the summer and have a garage sale to sell your junk at. This takes up the day, but you don't have to mail things to people. Get together with neighbors and have a multifamily garage sale. This spreads the work around and makes things easier, and it is also more attractive to buyers who frequent garage sales because of the variety of stuff. Advertise your garage sale in the paper to get the most customers.
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How to Earn a PhD in Three Years

Ask your academic department head or advisor for a list of program requirements as soon as you are admitted. Departments will typically map out a program of study when students finish their first year of coursework, but may be willing to do so sooner if you have a specific study interest. Ask your department how many years they expect the program to take. Some departments may expect students to spend a minimum of 5 years in a program and will have significant roadblocks for doing the program any faster.
Ask about applying relevant courses from your previous educational experience. If you have a master's degree in the same area, ask about opportunities to exempt or advance coursework in the PhD program.
Enroll in coursework full-time and avoid a demanding full-time or part-time job. Get an assistantship if you can, which will usually pay part-time wages and give you a tuition waiver.
Select a focused topic for your dissertation research by the end of your first year of coursework at the latest. Don't wait until you are finished with your coursework to start formulating research ideas.
Begin your dissertation research in your second year of coursework rather than waiting until you are finished. You don't need to do all of the research at this time, but you can test out preliminary topics and methods.
Continue coursework or research during the summers. Get as much coursework done during the summer as possible, or use the summer months to start an ongoing research project for your dissertation.
Avoid changing the focus of your coursework or dissertation after the first year.
Set a rigorous timeline for yourself when writing your dissertation, and check in with your advisor regularly to submit portions of writing for approval to make sure you are on the right track.
Be informed about your university's exit requirements to ensure that you follow proper procedures to have your graduation processed on time. It's easy to get caught up working in a dissertation and overlook graduation materials that need to be submitted by a certain deadline.
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How to Get a Doctorate

Earn a bachelor's degree. A PhD is the highest academic degree one can attain; thus, a prerequisite to attaining a PhD is the completion of a bachelors degree. A PhD applicant often holds a bachelor's degree in the same academic field in which she seeks the PhD. However, applicants may also hold a bachelor's degree in a related field, especially if the applicant has completed undergraduate coursework in the same area in which she seeks the PhD. For example, a social psychology PhD program may admit a student with an undergraduate degree in sociology, or a political science PhD program may admit a student with an undergraduate degree in history.
Write an undergraduate thesis. Although it is not universally required, writing an undergraduate thesis may help gain admission to a PhD program. Completing a thesis signals to a PhD program's admissions committee that the applicant is capable of producing academic research, which is the focus of a PhD program.
Assist a professor with his research. Serving as a research to assistant to an undergraduate professor may help a PhD applicant become a more desirable candidate. If a PhD applicant assists with research as an undergraduate, usually the professor who the applicant assisted can provide a strong letter of recommendation in support of the PhD student's application.
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How to Sell a Jingle (5 Steps)

Start small. Instead of going for the big national chains and corporations in the beginning, start with small local markets. Contact your local tire shop, dry cleaners, artists and cafes. These smaller markets need to advertise, but they need someone in their price range. Work your way up from there.
Be tenacious. Every business has their own way of doing things, so if you get a no, don't stop there. Continue going down a list of local shops in your area until you sell a jingle. Success takes time.
Get modernized. Jingles from the days of yore aren't working anymore. Use modern music and lyrics that will appeal to a larger audience. Most radio stations run ads that are geared toward their demographic, so write for the time.
Know the business. Familiarize yourself with the shops that you want to work for. Knowing a bit about what they do, and their goals as a business will help you write and sell a jingle to them. Ask questions of customers, or as a consumer, study their business from the outside, then ask the owners for information regarding their advertising goals.
Steel yourself for competition. As you move out of smaller markets, build a portfolio to get a job with a marketing or advertising agency. The large national corporations work with big businesses, and these businesses will want to hire a seasoned professional.
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