Trading in Retirement

FREE Trading tips and strategies for retired people wanting to preserve and grow capital


My pic has been starred on @Picfair

Part of my retirement efforts is photography. Since 1968 when my dad bought me my first SLR camera. He said if i could make enough from my passion to pay for my toys I win! I started as a freelancer for the local paper. Over the years I have sold wall prints and taken on assignments. Like the WA state fair official photographer for 3 years.
Now… Although I have been selling a few images on Shutterstock I finally went to another platform and loaded up a bunch of images. More to come. 6 of them got stars from the moderators. Just thought I’d share one of the many possibilities to earn a little extra in retirement.

Help Your Car Wash Customers Maintain Their Cars

Businesses face challenges to maintain profits under the best of times. Remaining viable during economic and health crises means reevaluating customer relationships. Customers should be given the opportunity to have an outstanding car cleaning experience while feeling secure. Take the following steps beyond CDC guidelines to provide a safer onsite environment.

Get Your Shop in Top Shape

More than ever your site should run efficiently and present a pristine appearance. You need to avoid breakdowns, which will leave customers stranded or needing to exit their cars. Create or rethink plans for effective and safe traffic control. In the unlikely event your tunnel does not use a dryer system, now is the time to install one. To best implement these strategies, work with a car wash maintenance support team.

Communicate Safely

Rather than handing out flyers, cards and other hard promotional items, use Twitter, Facebook and Instagram to get your information out. Create a website, but be certain to make it professional even at extra cost. Finally, create large onsite signage and use billboards pointing to your digital business content.

Make Transactions No-Risk

Just as with your communication methodology, for payments employ touch-free methodology where possible. While you may lose business, do not accept cash. Instead, use contactless payment systems and make certain your professionally-created website hosts secure transactions for prepayments. Also, offer subscription monthly washes to minimize transactions.

Spell It Out

Clearly document how you and your employees are acting to make your car-wash stress-free. Again, use your digital communication and extra-large signage to convey the information; do not overload the content, but instead use just a few bullet points.

Take care to create a comprehensive working system for your car wash that provides peace of mind for your customers – as well as your employees. If you plan well, you can have confidence your procedures will serve you well for many years.


3 Ways To Boost Your Cardiovascular Fitness

Thinking about your cardiovascular health today can help you ensure that you don’t have issues with heart disease and obesity as you get older. Cardiovascular fitness primarily focuses on your heart and arteries, however keeping your cardiovascular system healthy is a great way to gain overall fitness which will help with energy levels and a sluggish metabolism. Check out these 3 tips to boost your cardiovascular fitness today:

1. Cut Out Negative Factors

Most of the time you’ll see advice on how to add healthy choices to your lifestyle, but it’s easy to forget about cutting out the things that are making it harder for you to make those healthy additions. One big component here is overeating particularly sugary or fattening foods. While you shouldn’t try to cut out all of the unhealthy food you eat at once, it is a good idea to start replacing your favorite sugary foods with healthier alternatives. You can try replacing sugary energy drinks with natural sources of energy such as green tea and black coffee.

A second big issue can be smoking. Smoking tobacco products can lead to major health problems down the road, but it can also affect how well you are able to participate in healthy activities like sports in the present. Quitting tobacco use cold turkey can be incredibly difficult, but you can replace the harsh effects of smoking with a smoke-free alternative. These alternatives include nicotine gum, nicotine patches and smokingthings e-cigarettes and vape pens.

2. Participate in Daily Exercise

Cardiovascular fitness is tied directly to exercise such as walking and running. You don’t have to be a fitness nut to improve your cardiovascular system significantly. Going for a short walk once or twice a day will have a big impact on your health. A good idea can be to use a pedometer to help you gauge what your current activity level is.

3. Add Supplements to Your Diet

No matter how health-conscious you are when picking foods each day, supplements can be the extra boost you need to take your heart health to the next level. Supplements that are particularly good for your heart include omega-3 fatty acids, astaxanthin and coenzyme Q10. Coenzyme Q10 is particularly important as it is one of the main components in converting food to energy but it also acts as an antioxidant.

As you work towards your cardiovascular fitness, remember that nothing happens overnight, but nothing will happen at all if you never start!


Investing for Retirement – Questrade Review

You have many choices to invest for retirement. It all depends on your preferences and interests. If you have no interest or knowledge about trading or the market, park your savings in a mutual fund or if you have perhaps 100,000+ in investable cash you might consider a fund manager.

If you are interested in self-trading, Questrade is the preferred broker in Canada. By far. The biggest reason is the many options Questrade provides. From 100% self-trading to a managed portfolio. READ MORE

Questrade was established in 1999. The company is now considered by many to be the best brokerage in Canada. The IIROC regulates the company, and Questrade is also a member of the CIPF. In addition to being regulated by one of the best regulators in the business, the company has a long, outstanding reputation. During the last 20 years, Questrade has earned the trust of Canadian investors.


Safeguarding Your Business With Comprehensive Commercial Insurance

Whether you’re just getting your business of the ground or you’re simply reevaluating your business’ risk mitigation strategy, you need to make carefully guided decisions about how to insure your operations affordably and effectively. Here are a couple of important considerations to bear in mind when you’re choosing a package policy for your business.

Evaluate Your Individual Coverage Requirements Thoroughly

Depending on what type of activities your business is engaged is, some of your insurance requirements may be regulated by municipal code or licensing authorities. In addition, you may have minimum insurance coverage levels stipulated in a small business loan or financing agreements for company property, equipment, or vehicles. However, it’s important to recognize that minimum coverage requirements may not be sufficient to meet your business’ needs and risk exposure. Your activities, assets, and location may have a big impact on how much insurance you need to shield your business from loss. When you’re looking for commercial insurance in Peoria AZ, you should work with an agent who has extensive experience serving commercial clients and can thoroughly analyze your business’ individual needs in order to help you choose the right coverage levels.

Select a Carrier Who Can Offer Every Type of Policy That Your Business Needs

A complete commercial insurance package may include more than just general liability or property insurance. It’s important to work with a carrier who provides every type of policy that your business needs to avoid gaps in coverage or policy exclusions. In order to find the right carrier, you should work with an agency that has well-established relationships with multiple carriers and can help you get competitive and comprehensive quotes.

Making proactive and well-informed decisions about insuring your business requires some independent due diligence as well as professional guidance. Work with an expert to assure that your policies will be cost-effective while also meeting all of your business’ coverage needs.


New Canadian Non-Tracking Search Engine

We all hate that search engines track our searches. And then show us repeated ads all over the place for stuff we have recently search on. It gets boring. So e decided to set up a non-tracking search engine for Canada. This site focuses on Canada websites thus the domain name, but not exclusive to Canada. There are plans to launch safe search engines to other countries.


Worst ETF trade I ever made

I have this software that analyzes EOD ETFs and some stocks. Giving prediction for possible trades at the opening of the next day. It has worked well and generated some profits. So I got over-confident. The system kicked out a great looking prediction for an EFT. UWT. Which is a leveraged ETF long on crude oil. Mistake #1. Long on crude middle of March 2020? Nuts. But I went ahead. On a reasonable amount. Day 1 looked good. Day 2 the oil crashed big times and red ink was flowing. Mistake #2 – I should have cashed out the little profit I had on day 1 (as per the strategy). Oil prices dumped so much that any reasonable person would think that it will recover.
At least enough not to bleed too much. So I kept the position and was prepared to wait until it recovered. Check out
Now comes the end of March and the EFT tanked. BUT – the oil prices went up! This ETF is a 3x leveraged one and should shoot up. But it went down? Here is mistake#3: The ETF was to expire April 3. So it died. When it expired, I got $0.14 back/share. Which was about 1% of my investment for this product. My balance was now pretty well where it was 10 months ago. All my great trading profits wiped out.
Lessons learned from this were many. As for ETFs – the important take-away from this is research them. Know if they expire anytime soon. And stick to your strategies. And maybe consider taking profits earlier than normal, any profit is good profit.
Trading is not for everyone. I love it and aside from making the odd profit is a passion.

Are good chef’s knives worth it?

I have two chef knives and wouldn’t be without them. The most important thing is keeping them adequately sharp – no matter how much you spent on a quality chef’s knife. It is important that you learn how to sharpen and maintain your knife blades. Prices for quality kitchen knives start at maybe $30, and there seems to be no end to be seen. Note that price doesn’t necessarily translate to a “better” knife. Somewhere in the middle is probably a safe bet. Then there is the look and feel. Some, like me like the wooden handles the Japanese knives are famous for. Others prefer the more traditional black handles. If you are looking for great chef knives, especially the Saga/Boker products you go to this site: We only list knives with the top reviews on and recommended Saga/Boker chef knives.


How to Make Your Voice Heard

One of the beautiful things about the constitutional republic nature of the United States government is that it gives every citizen a voice. We elect officials to represent our interests at the local, state, and federal levels. Citizens are allowed and encouraged to contact elected representatives and voice their concerns. While many people understand that they have that right, they may not know where to begin when they want to speak out. Here are some pointers to get you started.

Call Your Representatives’ Offices

Every member of the United State Congress (made up of the 100-person senate and 435-person House of Representatives) has a local office in their home district and one in Washington. They have congressional staffs who answer phone calls and take messages for them. Calling these offices and leaving a polite but thoughtful message may seem antiquated, but it does work. The more representatives hear from their constituents, the more they will factor them into their votes, even if only in their own self-interest, hoping for re-election.

Attend Town Hall Meetings

Most members of congress will also hold town hall meetings in their home districts during congressional recesses. This is a great opportunity for constituents to ask questions and raise points about the issues of the day. Town Hall meetings are usually listed on elected official’s websites and social media accounts.

Sign Petitions

Just like mounting pressure through phone calls, petitions can be effective ways of reaching officials. Locally organized print petitions with handwritten signatures still carry more weight than online electronic ones.


Of course, the most direct way to make your opinion count is to vote in every election. If you support what your representative is doing, vote to keep them in office. If not, support another candidate and vote to replace them!

We enjoy immense freedom and liberty in America. It works best when everyone is engaged and communicating with their elected officials!


TradeMiner PRO Review

One very interesting research tool I bought years ago and still use is the TradeMiner PRO. You can buy it for stocks, commodities and FOREX. I mostly use it for stocks. What they do is look at historical EOD prices and calculate “If you have traded XYZ on this day during the past 10 years you would have been profitable XX % of the time if you held the stock for X days.” I have done some back-testing and live trading and it works pretty well. As with ALL TOOLS I still believe in the “art of trading”. However, if you spend the time using one or several tools – add all the info together and make the trading decision.

You need to understand that TradeMiner is NOT a trading system. It is a research tool. And a clever one at that.