New Job

Looking for a new job??

IMG_2615You need to use the web to find those specific new jobs that fit your criteria. You probably can find 1-3 new jobs a day and apply to each of them. It is key to look at all the criteria and make sure that you have a fit between what they need and what you can offer. Read more

Ready To Retire

Are you ready to retire?

Ready To RetireHave you made a plan & implemented it so that you can safely retire?? Most people either plan themselves or use a financial advisor to plan it for them. The focus is on financial advise but retirement is much more than that. You need to look at the key things you will be doing, need during retirement. After all your retirement can be a long one of about 30 years and you need to be ready and focused as you implement your plan.  Read more

Business Opportunity


My formula for developing a new business opportunity is to pose the five W’s and see if there is market and a real opportunity that needs filling. My five W’s are simple: what, who, where, when, and how. Answer those five questions and you can find out whether that hobby or opportunity is something worth pursuing or not. Let’s take an example and see how it works.

I would like to provide a service advocating for the elderly. As the 79 million Baby Boomers start retiring, there will be a big time need for services to help them in a variety of ways. As a matter of fact, 10,000 boomers are retiring every day. That is a lot of people who are in need of the services I want to provide. That is a big target population. Obviously not all need help and some will not look for it, but some will and you are there to help them. You have a large captive audience that is growing and looking for your services. By providing those services you are helping them and advocating for them. Services can run from providing advice, links and looking at issues as they come up. You can provide information on services such as travel, housing, work, savings, income, legal issues, and retirement issues. A key to making a business successful is to find if there is a need not being fulfilled and a big captive market that is looking for it.

Starting now and for the next few years as boomers retire, you can advocate to help them find the services that they need, when they need them at the local level: things such as advice, services, links, advocacy, and how to get them, key issues and what to do about them. You can also publish a newsletter that talks about issues and points to services to help them.

How to reach your audience: Use a website to provide advice, resources & links, and publish a newsletter. Advocating and advising you need to do locally so you can interact with seniors. As your business grows, you can expand your area. This two-pronged strategy can help you focus on the needs while growing your business nationally. You need to use a website, advertising and social media to reach your customers. Flyers and word of mouth also helps in getting the word out.

Now that I have looked at the opportunity, is it something I want to do?? Yes, it is and looking at the size of the market, it is a good opportunity for making money while providing a service that people need. Now, the only thing needed is to plan and implement ASAP.

What is your opportunity??

New Year Resolutions

[cryout-button-dark url=”#”]What are your new Year’s resolutions?[/cryout-button-dark]

New Year ResolutionsThinking about my new year’s resolutions got me to really take a look at myself, what I have achieved during 2013 and what my life so far and see what I want to do in this new year. The reason new year’s resolutions are soon forgotten or not started at all is that we make a lot of promises that we are not willing or able to keep. Read more

Boxing Day

[cryout-button-dark url=”#”]What is so special about Boxing Day??[/cryout-button-dark]

boxingBoxing Day traditionally falls on the day after Christmas and also known as St. Stephen’s day, it is a day for giving to the poor. It dates back to the middle ages and it is celebrated throughout the world as a day for giving. Some countries in Europe know it as Boxing Day (where servants and tradesmen received gifts from their employers). In Christian countries, it is known as St. Stephens’s day and it’s tied to offerings for the Feast of St Stephen’s. South Africa renamed it as a Day of Goodwill.  Read more


[cryout-button-dark url=”#”]Managing Your Finances[/cryout-button-dark]


Since I always liked numbers and I graduated with an MBA in Finance, I was always in charge of the finances in our household. I ensured all the bills were paid, balanced the checkbook, managed the savings, and invested for the future. My wife and I always discussed the options but agreed on a course of action which I then put into effect.  Read more


[cryout-button-dark url=”#”]Retirement, what does it mean to you?[/cryout-button-dark]

Brainard Marsh, Marion, MA

For me, retirement means been able to do the things I want to do. Activities such as: a part time job, pursuing a passion, picking-up a hobby, exercising, hiking/walking, spending time at the library, traveling to exotic locations, figuring what to do next, volunteering, and giving back to the community. Read more


books3[cryout-button-dark url=”#”]Your advice to young people today about education[/cryout-button-dark]

Finishing high school is a no-brainer. It is imperative that young people finish high school. Beyond that, they need to either attend college, community college or a trade school. What is key is to have a set of tools & skills that will enable them to earn a living in the marketplace today.

Read more

First Name

If you had to switch your first name, what name would you choose and why?

© David Hartley

To me, the name represents strength, humility, survival and focus. The Apostle Saint John was a prime example of these qualities. One, the strength to survive all odds, to change the world, to defy the status quo. Read more