Sunday, December 7, 2014

Seasonal & Temporary Jobs

Many boomers and retirees are now working temporary and seasonal jobs as well as project assignments.

There is a big demand in this area as employers generally do not have to pay benefits. Any time employers find hiring from a certain demographic is more cost effective you can be sure this will be given a great deal of attention.

Research has shown that the profitability per employee has risen substantially during the past five years and much of this is due to employers increased hiring on a temporary or project basis.
The percentage of the workforce that is temporary has increased from around 17% in 2009 to 25% in 2014. Because of this increase, there are many more temporary jobs or project assignments available to job seekers of all ages. These kinds of jobs are particularly attractive to older workers as benefits are not as necessary as they were when these workers were still raising a family and before some could take advantage of Medicare.

Click here
for more information on how to find temporary jobs and project assignments along with a list of the temporary jobs most in demand.

Seasonal/Winter, Summer Jobs

In addition to temporary jobs many boomers and retirees are now working seasonal jobs. These kinds of jobs are often misunderstood and when RetiredBrains asked readers to identify a number of seasonal jobs most could only point to holiday jobs; mostly in retail or jobs for accounting professionals during tax season.

If you are interested in checking out what kinds of seasonal jobs might work for you, click here.

Where should I retire? Questions to ask

What are the 3 most important questions to ask and discuss with your spouse prior to deciding where you might retire?

1. How is your health and the health of your spouse?
2. What is the state of your finances and financial commitments?
3. What is your desired lifestyle; what’s important to you and your family?

If the location you are thinking about does not address these three areas of concern, then you should consider staying put. Of course there are many other factors that could be taken into consideration but concentrating your efforts in these three areas will make it easier for you and your spouse to find the best alternative.  Of course you can always relocate if you find you have chosen the wrong place or your needs change. That being said it is generally better to rent as opposed to purchase to test out your selection.
Things to consider when choosing a location in which to live during your retirement years:
  • Live within walking distance of basic amenities, such as health facilities, drugstores, supermarkets and banks.
  • Live within short driving distance of a hospital that has specialists in any area where you have major problems, such as heart, kidney, vision, arthritis, Alzheimer's, etc.
  • If volunteering is of interest to you, pick a community where there are opportunities.
  • If continuing your education is important to you, check the opportunities before moving.
  • If the arts are important, check the availability and locations of symphony, ballet, art museums, etc.
  • Check the crime rate.
  • Check the availability of public transportation so you can easily reach stores and the many other places you need to visit as you may not always be able to drive.
  • Choose a place that is on one level, has halls wide enough for wheelchair access, doorways at least 36 inches wide and has an outside entrance without steps.
  • Choose a place that has nonskid floors
Remember that what seems great for you and your spouse when you are in your early 60s may very well not work at all later in your retirement years.
More and more Americans are choosing to stay in or near the place where they currently live. There are financial, lifestyle and medical advantages to do so. For details on some of these advantages and modifications to your home you should consider review our information on aging in place.

If your health or the health of your spouse is or is likely to be a problem, aging in place should be given strong consideration. In any case chose a location that is convenient to appropriate medical care.

For more information on retirement locations check the resources here: which include:

Identity Theft & Avoiding Scams

Best tip to avoid many identity theft problems
If you are not planning on opening new sources of credit or obtaining new credit cards place a credit freeze on your account with the three main credit agencies listed below. This will prevent the identity thief from obtaining new credit  in your name.

Identity theft and scams that target older Americans are much more common than those against younger Americans. According to a survey by the Investor Protection Trust, one out of every 5 citizens over the age of 65 has been the victim of a financial scam, and according to the Better Business Bureau 10% of the U.S. population fall victim to consumer scams annually. This information is intended to assist those who have been scammed as well as to provide information and resources to help you avoid being scammed in the future.

First the obvious: If you have been scammed or are a victim of credit-card fraud, notify all credit card companies and tell them to issue you a new card. Place a credit-card freeze on your account with the three main credit agencies. You must also remember to place a credit freeze on the account of deceased persons. If you fail to freeze their credit a thief can steal their identity and apply for credit in that person's name. The companies and their contact numbers are Equifax, 800-525-6285; Experian, 888-397-3742 and Trans Union, 800-680-7289. 

For more resources go to where you will find information on:
·  Craigslist Scams   

To read a MarketWatch article on avoiding scams and getting help if you are scammed go to:

Friday, December 5, 2014

Best Work at Home Jobs for Boomers & Retirees

Many boomers and retirees are looking for ways to make extra money to help make ends meet.  If you are looking for ways to join the tens of thousands of Americans who work at home in areas like
  • Telemarketing
  • Direct Selling
  • Writing or Editing
  • Working as a Virtual Agent
  • Doing Medical Transcription
  • Tutoring
  • Selling On-Line (eBay, Craigslist,
  • Freelancing 
Check the information out here (

Visit the RetiredBrains Website

If you're looking for a job, caring for an aging parent, are worried about memory loss, have arthitis pain, planning a vacation or even want to continue your education, the information you need is at