Updated August 1, 2019

colette and philip sitting by a pool at a house sit on cozumel mexico

Welcome, and thank you for stopping by. We are so happy that you are here and hope that you will find some useful and beneficial information within these pages.

Who We Are

We are Colette and Philip Pepperell and we started Create Retirement Income Online to help people, possibly like yourself, find ways to make some additional income for their retirement.

We are both in our 60’s and we have been married for 30 years. We have never had kids (by choice) but we have had dogs and right now we have a little chihuahua mix named Poucette.

We currently live on the beautiful Caribbean coast of México.  The language here is, of course, Spanish and we are now quite proficient in the language but continue to learn.

We love our current lifestyle. Our days are spent researching, writing, and working on this website. Because we want to live to a ripe old age, we also exercise daily and do a variety of activities such as weight-training, swimming, spinning, water aerobics, and Yoga.  We are also able to indulge our great passion, which is scuba diving.

Our Story

Philip is originally from Cardiff, Wales and Colette was born in San Jose, California.

We met in London in 1989 and were married later that year on the island of Barbados. At the time, Philip was a British Lawyer (Solicitor) and Colette was a Sports Injury Rehab Therapist.

We fell in love with the tropical lifestyle while in Barbados and the following year we visited the Maldive Islands in the Indian Ocean where, on the spur of the moment, we decided to get certified as Scuba divers.

Our First Life-Changing Event

Upon surfacing from our very first dive ever, we looked at each other and knew then and there, and in that very moment, that this was going to be our future. So it was. By the end of the following year, Philip had given up his legal partnership, Colette had sold her Sports Therapy Practice, and we were Open Water Scuba Instructors with our first jobs on the beautiful island of St. Lucia!

les pitons in st lucia with dive boat passing in front
Les Pitons, St Lucia

In between St. Lucia and Ecuador, we have lived and worked on many wonderful islands in the Caribbean and the Pacific including the Cayman Islands (two times), Belize, Maui, Saba, Saipan, Palau, the Turks and Caicos Islands, and the Bahamas.

During that time, we worked as scuba instructors, dive shop managers, hotel managers, personal trainers, massage therapists, skincare therapist (Colette), water aerobics instructors and dog trainers.

We have owned our own businesses, including Dayspas in the Turks and Caicos Islands and Arizona and a dog-training/in-home pet sitting business in Scottsdale, AZ.

In 2010, we left the Bahamas, where we were managing a luxury private island resort, to return to Arizona to take care of Colette’s mother who was recently widowed. She passed away in 2015 and, after some soul-searching, we realized we had not lost our wanderlust and so we accepted a hotel management position in Quito, Ecuador.

Unfortunately, and although the hotel was beautiful, and Quito fascinating, that position did not work out for us and so we decided to move to the Caribbean coast of México where we have now been granted permanent residency.  We love it here and have finally found our forever home!

Our Second Life-Changing Event

Okay, hands up any of you who don’t remember the financial crisis of 2008. Maybe it even affected you.

At that time, we were full steam ahead with our beautiful Dayspa in Arizona and, as it turned out, a little over-committed financially.

black board reading transform fear into action We lost everything and had to file for bankruptcy. It was absolutely devastating and it seemed like the end of the world to us, at the time.

But, what can one do but go on? Life throws all of us curve balls at some time or another. So we tightened our belts and pulled up our bootstraps and moved on.

After completing the bankruptcy process, we continued working for others, ultimately ending up in a very high-paying job, managing a luxury private island resort in the Bahamas. That was cut short when Colette’s father passed away and, as we mentioned before, we returned to look after Colette’s mother in Arizona until she, sadly, in turn, passed away a few years later.

Our Third Life-Changing Event

By now, we were ourselves approaching retirement age and we were confronted with the brutal truth that our prospective income was not going to be enough to sustain us through retirement. Despite the fact we had more recently been earning some decent money, we were simply unable to recoup our devastating losses from 2008.


So now what? What could we do to supplement our income and provide us with a comfortable retirement?

We considered virtually everything including starting another ‘bricks and mortar’ business. However, and despite being in excellent health, we recognized that our overall energy-level was not what it used to be. Also, a ‘bricks and mortar’ business is always going to involve a capital outlay and at our ages, we did not want to risk the savings we had left.

Then one day, and totally out of the blue, the thought occurred to us, what about working online? What a great idea! The only minor problem was that we had absolutely zero experience of this kind of work, had no idea how to start and had only minimal experience of the internet. We had not even owned our first computer until we were in our 40’s.

Despite the fact that the cards seemed stacked against us for getting into this line of work, we realized that if we could overcome those obstacles then working online would be the perfect solution for us.

So we sat down, analyzed our respective strengths and weaknesses, and for the next 6 months researched everything we could find to give us ideas. In our search within the digital world, we left nothing on the table including Multi-level-marketing (MLM), E-commerce, Freelance Writing, Travel Blogging, online Travel Agent and Affiliate Marketing.

On our journey, we encountered many questionable “opportunities”, as well as outright scams, with promises of great overnight wealth and ‘secret formulas’ to success.

At the end of the day and based on our own experience and interests, we decided that Affiliate Marketing would be the best for us. But it was a close race because along the way we came across so many other viable options that would also have worked for us.

The Reason We Created This Website

hand holding sign saying your success is our goalWe spent a great deal of time researching a huge variety of online opportunities and, even though we have found our niche, we enjoy the research so much that we just cannot stop doing it. What we want to do is to pass on to you the results of that research and hopefully help you find the most suitable opportunity for generating additional income for your retirement.

There are many incredible online opportunities out there but there are also a lot of pitfalls, dead-ends, and outright scams. Please let us help you maneuver your way through the vast, and sometimes bewildering array of information both on the web and elsewhere.

What You Will Find on This Website

On this website, you will find a wide variety of articles. Some will be more general in nature (see Money Making Ideas for Retirees) and their purpose is to give you a notion of the huge variety of opportunities that are available and to get the thought process going. Other articles will focus on one specific opportunity and will explain in some detail exactly what is involved, how you get started, and what additional training may be required. Yet other articles are in the form of a review, for example, of a particular training program.

If you are interested in a particular opportunity but would like more information, we invite and encourage you to let us know this either through the ‘Comments’ box at the end of every article or, if you prefer to keep your question private, by emailing us through our Contact Us Page. Either way, we will respond to you as quickly as possible and most likely within 24 hours. Likewise, please let us know, by email, if there something you are interested in but which we have not covered to date. We will right away respond with whatever information we have immediately to hand and, if we feel it is something that would be of interest to others, will likely follow up with a full article on the subject.

Why Work Online?

That’s an easy one;

  • Minimal physical effort requiredlaptop with sign saying work anywhere
  • Super low start-up costs compared to a ‘bricks and mortar’ business
  • Work from home
  • Work from anywhere in the world with an internet connection (a huge plus for us)
  • Be your own boss (which we love)
  • Flexibility in setting the hours you choose to work

What We Do

As we mentioned previously, we ultimately decided that Affiliate Marketing provided the best opportunity for us, based on our experience, interests and financial goals.

For anyone not familiar with the term, this is a form of online marketing where one entity (A) promotes the product(s) of another entity (B) and when a third entity (C) purchases one of those products A receives a commission from B. In this example A is the affiliate, B is an online merchant and C is a member of the public, i.e. a customer.

affiliate marketing flow chart


Clearly, there is a lot more involved but, hopefully, you get the general idea. Read more about affiliate marketing here.

Affiliate marketing is working out extremely well for us but it is not necessarily for everyone. As with everything in life, there are pros and cons.

The pros:

  • All the advantages of working online (see above).
  • All you need to get started is a computer, an internet connection, and a hosted website (see below).
  • Unlimited earning potential (over time).
  • Because the internet never sleeps, you truly can set your own schedule.
  • Real opportunity to earn passive income.

The cons:

  • As with any new business, it will take time for income to start coming in, but at least you have minimal expenses in the interim.
  • It involves a lot of work, particularly at the beginning.
  • Unless you are already familiar with affiliate training, there is a lot to learn and some training is recommended (see below).

As we mentioned above, to get started in affiliate marketing all you need is a computer, an internet connection, a website, and hosting for that website. In addition, unless you are familiar with, at least, online marketing, you will need some help/training. The computer and internet connection you likely already have but everything else you can get or arrange through the online platform that we use.

Who We Do It With

We are members of Wealthy Affiliate which is an online platform providing extensive training in all aspects of affiliate marketing. In addition, it provides tools and step-by-step guidance for you to build your own website and a hosting service for that website. It also has a very active and supportive community of members who freely offer their advice and guidance on any issues you may have. Many of those members are themselves close to, or already in, retirement and can easily relate to the issues that others in the same situation might have.

Wealthy Affiliate does offer a free membership and which is great because it allows you to take it for a test run before you commit to full (‘Premium’) membership. Theoretically, you can stay on the free membership indefinitely, and successfully operate your affiliate marketing business, but there are so many benefits that come with Premium membership that most free members convert to Premium very quickly. Several pricing options are offered.

chart showing wealthy affiliate pricing options

Even at $49.00 per month, this is a great deal for what you are getting (see below) but if you opt for the yearly plan you are, effectively, only paying $29.92 per month, which is incredible.

What most members do (ourselves included) is start with the free membership then switch to monthly for one or two months and then convert to either six-monthly or annual. Going monthly for a month or two allows you to check out the benefits of Premium membership just to be sure it is right for you. Also, if you switch to Premium within seven days of starting as a free member then your first month of Premium is just $19.00, rather than $49.00.

As a monthly Premium member you can cancel at any time so if at the end of that first month, you were to decide that affiliate marketing is not your cup of tea, after all, you can cancel and all the entire venture has cost you is just $19.00!

This is what you get as a Premium member;

  • Guidance on choosing an appropriate area for you to focus your business (your niche)
  • Step-by-step instruction on building your website (this is so easy and can be achieved in, literally, minutes)
  • Hosting for up to 50 websites
  • 24/7 tech support for your website (typical response time is usually measured in minutes)
  • Two complete training programs (Online Entrepreneur Certification and Bootcamp) that can be reviewed or repeated multiple times – choose to do one or both
  • Hundreds of additional training tutorials and videos covering every aspect of affiliate marketing
  • Weekly live webinars
  • Writing tools to help with content creation
  • Over 1,000,000 free images for use in your posts and pages
  • Social media support
  • Keyword Research tools
  • Community support

For more information on Wealthy Affiliate read this.

You can sign up for the free membership here.

A Final Word or Two

We hope you find the content on our website interesting and helpful. As we mentioned previously, please don’t hesitate to contact us if you have any questions or comments. You can do that either in the ‘comment’ box below and at the end of every article or by emailing us from our ‘Contact Us’ page. We look forward to hearing from you.

couple in deck chairs holding hands and facing ocean at sunset

We wish you every success in finding that waiting opportunity that will allow you to live a happier and more secure and comfortable retirement.

We are with you on the journey,

Colette and Philip

philip and colette



The greatest years of your life are still ahead!

10 thoughts on “Welcome”

    • Hello.

      Could you please be more specific as to what you are referring to when you say “lots of nonsense”? Is it our reference to the Consumer Institute report which concluded that 99% of the members of network marketing companies either make no profit or actually lose money? Or is it the AARP study that found that 74% of the study participants actually made no income at all, as in zero, zilch? Do you contest these findings by two highly reputable and independent bodies and, if so, in what respect?

      We make no secret of the fact we do not like network marketing companies and while we have found that some are not so bad as others we have yet to find one we can actually recommend. Too many people have lost their life savings, or worse, by investing in them.

      Our website is dedicated to helping people (particularly seniors) find ways of making an online income and there are a wide variety of programs and platforms that we do recommend and which offer a far greater chance of financial success. However, we would be doing our readers a great disservice if we did not also flag those programs that are either outright scams or where the chances of financial success are minimal. By the way, only on two notable occasions have we referred to a network marketing company as a scam.

      You are presumably a network marketer yourself and if you are one of the few within that one percentile that do actually make a profit from network marketing then kudos to you, you have definitely beaten the odds. However, until we find a program that offers substantially more than a 1% chance of making a profit we will continue to call them out.

      We do thank you for taking the time to post your comment and look forward to hearing from you with some specifics on what you call “nonsense” and/or any observations on what we have said here.

      Colette and Philip

  1. Thank you and Blessings.

    I went thru a really bad divorce lost everything. Never thought I would be where I am today at 51 years old. Starting over… You gave me hope.

    Your story has inspired me.

    • Dear Wanda,

      Your words have touched us. We understand what it is like to lose so much.

      There is nothing else to do but to move forward and start again. That it what we had to do.

      We see that you have decided to give Wealthy Affiliate a try. Take your time and look around and don’t hesitate to ask questions either of the Wealthy Affiliate community or us. You can contact us either through our website here or through Wealthy Affiliate.

      We look forward to helping you in any way we can.

      Best wishes,

      Colette and Philip

  2. Hi Colette and Philip,
    You absolutely know what you are talking about. It sounds like life has thrown you a number of curve balls and you caught each one, examined it and learned from your experience.
    This is incredible and I a so so happy to have met you and learned from your experiences.
    I am very interested in WA and what it can do for me. I am retired with my husband now.
    I am going to read more of your information and decide what direction we can take.
    Thank you so much for your wonderful insight and willingness to help others.

    • Hi Laura and thank you for your kind comments.
      Having gone through the mill ourselves, we really do understand what is like to be facing retirement without sufficient income and can truly empathize with others in the same situation.
      Wealthy Affiliate truly has been there for us. We have learned so much in the time we have been members and continue to learn more every day.
      Please don’t hesitate to reach out to us if you have any questions.

      All the best,

      Colette and Philip

  3. Hello Wanderlusters

    What a wonderful and chequered/checkered history you have, and you have recorded it beautifully.

    As a fellow WAer and one of those ‘retired’ folk you refer to I can only endorse what you have to say about WA and, well, everything else you have mentioned.

    Wishing you all the best with helping others.

    PS Do we ever really retire?
    Do we really when there is still so much fun to be had in doing what we love?

    • Dear Lawrence,

      There is no such thing as retirement, really, is there? Staying active and engaged as we progress through life is vital to our health and often necessary to our bank balance.

      We really appreciate your comment here and wish you continued success with your online journey.

      Your friends,

      Colette and Philip

  4. Hi Friends,

    Fabulous advice and a Great Website!
    Very helpful information to anyone who wants to create a passive income online for their retirement years, and everything you recommend in regards to affiliate marketing is spot on!

    It’s a low-cost great way to earn a good living or supplement your retirement income, however way you choose. Wealthy Affiliate is the best training for affiliate marketing and online earning have seen.

    • Hello, Kaju!

      Thank you very much for your kind words.

      So many people are fearful of retirement because they are concerned they will not have enough income to live comfortably and many postpone it more or less indefinitely.

      Wealthy Affiliate, with its excellent training, tools, and support, is a perfect platform for people to learn about Affiliate Marketing and then conduct their new online business in the most effective way possible.

      Colette and Philip


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