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Enjoy Retirement e-Zine, Volume 1 Issue 5 -- Stock Photo Sites, ORP, Google Ad Auction
May 04, 2010

Volume 1 - Issue 5 05-04-10

Table of Contents:

  1. Editor's Comments
  2. Readers' Questions & Answers or Suggestions
  3. Stock Photo Sites
  4. ORP
  5. Explanation of Google Ad Auction

1. Editor's Comments:

Welcome to the latest issue of Enjoy Retirement e-Zine. Our mission is to provide a fun, enjoyable experience to help you achieve your ideal retirement. This e-Zine is set to be a complement to our website

The current PASSWORD to access our free e-books is:

PASSION (uppercase only)

This password will change from time to time to ensure security to our free e-books.

Periodically, we will present a number new, thought provoking items for you to consider. We want to address, not only the income producing jobs one may want to obtain during retirement, but also the fun, satisfying non-paying jobs. Other aspects of retirement such as health, security, money, education and satisfaction of retirement life will be addressed.

There's an easy way to keep track of everything new at Copy the link below and paste it into your Google Reader, NetNewsWire or your favorite feed reader....

If you use My Yahoo! or My MSN, head over to my home page and click on the button for your favorite Web-based feed reader.

2. Readers' Questions & Answers or Suggestions

We encourage all of our readers to ask questions about any of the topics presented or provide suggestions on areas they would like to have covered. Please use our Contact Us page.

3. Stock Photo Sites

Do you have a need for a photo that projects a certain image or want to express a message with a photo, perhaps for a meeting at the office or for your volunteer project or even for your own webpage. If so, you have several choices. You can pull out your digital camera, set up your shot and take the picture, if you already have the subject matter available.

Or you can hire someone to take the photo to get just the shot your are looking for. Of course, that may cost more than a few dollars.

The third alternative is to look for the photo your are seeking on one of the stock photos websites. There are quite a number available, but for the purposes of this newsletter, I want to discuss three:


  1. - This is one of the largest stock photo sites and is considered to be the original member-generated image and design community. They provide affordable royalty-free photographs, vector illustrations, video footage, audio tracks and Flash files. Istockphoto guarantees that the content, if used according to their rules, will not infringe on any copyright, trademark, or intellectual property right.

    Most rights to use the photos can be purchased at reasonable fees. A person buys stock then uses the stock as credit to purchase photos. This allows you to pay as you go. You have another option to subscribe to buy photos over a designated time period, such as, three, six or twelve months. Currently, the Pay-as-you-go plan has credits available as low as $0.95 USD/credit. The Subscription plan is as low as $0.24 USD/credit.

  2. - Another popular site is Dreamstime that states that it has over 8,300,000 images available with over 2,200,000 users. They do state that they have a large variety of Royalty-free images. This means you pay once and can use the image as many times as you like, subject to their restrictions.

    They indicate that their photos can be purchased for as little as $02/image or free. But of course, that depends on the purchase method you choose. Credit packages are available starting at 8 images for as low as $1.25/image. The larger the credit package is that you buy, the cheaper the price per image. For instance, moving to 25 credits for $24.99 allows you to purchase up to 25 images at as low as $1.00/image. Your image size dictates how many credits are required for a photo. Subscriptions are available too. Smallest time period of one month with a maximum download of 10 photos/day would run $128.99.

  3. - This is the site that I use quite a bit. Fotolia has a program quite similar to the others in that you can buy credits and then use them to purchase photos for your almost unlimited use. They position themselves as the first worldwide social marketplace for royalty free stock images allowing individuals and professionals to legally buy and share stock images and illustrations. It states that it offers individuals and professionals the greatest image collection in the world for free or as little as $0.75.

    You can buy credits with a minimum purchase of 10 credits and a maximum of 2,000 credits. The price of the photo depends on its mega pixel size. Subscription licenses are available as well.

My suggestion is to try these three stock photo site and sign up at each one or any other that you find interesting. Then browse through their photos to see if they are presenting one that meet your needs. Do they have the mega pixel size that you need? See if you find that you see future opportunities in the other photos on the site. Then you can make your choice or even use several sites.

The good news is that you have a great deal of choice in sites and more photos, illustrations, audio and video are being added all of the time.

4. Optimal Retirement Planner (ORP)

Recently, one of my readers, James S. Welch, Jr., wrote to me about the Optimal Retirement Planner. He suggested that we should review this tool as one that should be considered in one's evaluation of retirement scenarios.

James should know about the ORP, which is a linear programming based optimal retirement calculator. James was responsible for the development of the ORP. It demonstrates the making of a computational intensive application composed mostly of industrial grade, commercial mathematical software available to the retail market over the internet.

ORP has developed a cult following of users that find it useful for the strategic planning of optimal asset distribution during retirement.

James advises that the ORP can provide guidance for:

  • Pre retirement: How much to save in which retirement account.
  • Post retirement: The order to drawdown which retirement savings account while minimizing taxes and meeting IRS regulations.

The planner can be run in two different modes:

  • Simulation Mode: ORP generates a retirement plan for your particular set of choices, or
  • Monte Carlo Risk Assessment Mode: Demonstrates how your particular set of choices will behave in an uncertain economic environment.

I thought that this calculator was one that was worth reviewing by anyone evaluating retirement that I developed a page on my website for it. Click here to see Optimal Retirement Planner page.

Try it out and see what you think. Be sure to send me a comment or a rating in our retirement calculator review page.

5. Explanation of Google Ad Auction

We have all seen Google Ads on websites and on Google search engine results. I have placed some right under the video. Have you ever wondered just how do they figure out how Google goes about determining how to charge their customers for the placement of ads?

Google has developed a YouTube video that provides an explanation. In my opinion, it is well worth your while to view this video to get a better understanding of this process.

The video length is 9 min. 20 sec., so sit back and enjoy:

We hope you enjoyed this e-Zine and we look forward to providing more interesting and fun information on retirement topics.

Keep track of everything new at Copy the link below and paste it into your Google Reader, NetNewsWire or your favorite feed reader....

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