Should You Have a Mortgage in Retirement? – Guest Post

mortgageShould You Have a Mortgage in Retirement?

Conventional wisdom says to pay off your mortgage by the time you reach financial independence. Why is that not always the best approach?

It seems to make sense – a mortgage paid off before retirement reduces your monthly expenses and reduces the amount of debt you hold. So common is this desire that Wikipedia has an entry on mortgage burning. When then must you carefully evaluate whether this approach works for you?

The decision involves more than math. Possessing a high confidence that you will earn more (after-tax) on your money than you pay in mortgage interest indicates you should keep the mortgage. Yet that ignores the psychological benefit you get from a paid-in-full home. And if you have a high aversion to debt, would you prefer to be mathematically correct or to sleep well?

You should not ignore other financial goals. After paying off the mortgage, can you still deal with unexpected expenses, health care needs, home renovations, or helping out family members? Do you still have high interest rate credit card debt that should be paid off? Do you feel comfortable with the size of your retirement nest egg or should you direct funds there instead?

Gauge your feelings toward alternative approaches. Some clients view their mortgage as paid off as long as they have the assets available to pay it off at any time. Some would consider the more consumer-friendly reverse mortgage. You may even have the ability to shore up other weaknesses in your financial picture while reducing the debt on the home.

To learn more, check out these recent articles:

This decision is not easy. Various economic, psychological, and outside factors all play a role in the right decision for you. Consider seeking out guidance from a qualified financial adviser to avoid missing out on creative solutions to this challenge!

Think about your own situation. Is a mortgage in retirement a burden or a liberating opportunity to use those assets elsewhere?

Biography

EllioElliott Weirtt Weir, MBA, CFP® has been working with families to help them navigate retirement since 2004. He started III Financial in 2012 to focus on helping address the financial realities faced by people over age 50, without the sale of products or the large asset fees of money managers. He is also the editor for the Society of Financial Service Professionals “Retirement Counseling” newsletter.

Elliott earned his MBA in 2002 through the McCombs School of Business (University of Texas at Austin). He enjoys watching the US National soccer team, tinkering with technology alongside his son Travis, keeping up with his son Tyler, and going to see movies with his wife of 17 years, Carrie.

For more, please read his full bio.

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Unretirement by Chris Farrell – Book Review

Unretirement – How Baby Boomer Are Changing The Way We Think About Work, Community and the Good Life

unretirementUnretirement: How Baby Boomers are Changing the Way We Think About Work, Community, and the Good Life by Chris Farrell, was released in early September of 2014.  Chris Farrell is economics editor of Marketplace Money, a nationally syndicated one-hour weekly personal finance show produced by American Public Media.

The concept of retirement is a relatively new one. In the United States, it first was mentioned in 1935 when Social Security was created. It then became a really viable concept in the 1950s, when Florida and Arizona were being developed. Affordable housing and warm weather attracted thousands to live there in their golden years.

Chris Farrell writes in Unretirement that, for many baby boomers, the concept of retirement will be replaced by unretirement. It is the concept that, if we want to live longer, happier, and more prosperous lives, we need to work past the traditional retirement age of 65.

It should come as no surprise to most baby boomers that 80% or more of us will not retire as planned. This is where the concept of unretirement comes into play.

Chris Farrell writes:

The last third of life is being reimagined and reinvented into “unretirement.” If the popular images of retirement are the golf course and the RV, the defining institutions of unretirement are the workplace and the entrepreneurial start-up. The unretirement movement builds on the insight that a better-educated, healthier work force can continue to earn well into the traditional retirement years.

The author hypothesizes that, if baby boomers delay retirement to 70 years of age, most baby boomers will have a secure retirement.

Here is the challenge, will baby boomers be able to find adequate paying jobs to be able to work till 70 years of age. I wrote in my previous The State of Baby Boomers in America that in many baby boomers are retiring early because either they cannot find work or unable to work due to health issues.

The author states:

Employer stereotypes that view older workers as lacking creativity won’t hold up to scrutiny. The prejudice that older workers aren’t productive will be proven false. The competition for talented employees will push managers to abandon long-held hiring hurdles against aging workers. Seniors will recharge the nation’s entrepreneurial energy.

What do you think?

Baby boomers have redefined society to match their needs and wants. The author states that baby boomers will redefine the concept of retirement to create unretirement.

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This will likely mean that most will work at both traditional and non-traditional jobs well after the age of 65. We will not necessarily work in the same industry or use the same skill sets, but will reinvent the concept of retirement to live longer and happier lives…because we continue to work.

I thoroughly enjoyed this book and agree with most everything the author hypothesizes. It paints a rosy picture going forward that looks very different from what we planned or assumed just ten years ago.

Marc Miller Career Design Specialist

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and their guest post

Why Save For Retirement If You Don’t Plan On Retiring

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The State of Baby Boomers in America

Baby Boomers in America

Baby Boomers in AmericaBaby Boomers in America are in the process of dividing into multiple groups as we all approach the traditional retirement age of 65. Unfortunately, I see a very disturbing trend that I would like to discuss in this post.

Baby Boomers in America and Encore Careers

Recently, Encore.org announced their 2014 Purpose Prize Award winners. The purpose prize is given to six inspiring social innovators over 60 who are working to advance the social good in their communities and the world. These are tremendously inspiring stories of people who have decided to dedicate their later years to social good. They should be an inspiration to all baby boomers in America.

Baby Boomers in America and Entrepreneurship

We are seeing entrepreneurship grow among baby boomers in America. Self employment rates among those over 60 is growing exponentially. This is both good and bad.

Some (I include myself in this group) have reached a point in their lives where pursuing entrepreneurship can be a reality. It might be kids out of the house, paying off the mortgage, or just tired of working for the man that makes this plausible.

For others, it is a necessity. I refer to these as necessity entrepreneurs, or “buying a job.” They cannot find a job due to age discrimination or their industry or profession has disappeared.

Many are not really oriented to being an entrepreneur, and their best option is to buy a franchise or buy a business in a box. I have seen many people successfully do this. Are they happy? Well…they are financially independent…but happy? I just don’t know.

Baby Boomers in America and Malaise

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Over the last couple of years, I have talked to a lot of baby boomers in America who are in a holding pattern, or malaise. Many have lost their jobs and have not been able to find work. They are in a financial position where they can afford to retire, but they are young enough that they really do not want to retire.

They view retirement as defeat. They are scared that, if they retire now (typically in their late 50s or early 60s), they will run out of money before they die.

Many of the people I have talked to have always worked for someone else. They are not suited to starting their own businesses. That is not how they are wired.

Most of them will never work again. In my humble opinion, this is one reason the labor force participation rate is declining.

Baby Boomers in America and Poverty

Baby boomers in America are retiring into poverty in large numbers is my greatest concern. I have talked to a lot about baby boomers in America who applied for social security at the age of 62 because that was their only source of income. They cannot find work and probably will never work again.

In the coming weeks, I will be reviewing the book Unretirement: How Baby Boomers are Changing the Way We Think About Work, Community, and the Good Life by Chris Farrell. Chris Farrell is economics editor of Marketplace Money, a nationally syndicated one-hour weekly personal finance show produced by American Public Media.

Chris hypothesizes that, as the economy continues to grow, it will reach a point where companies will have to hire older workers to fill their needs. He also states that that will only happen if—and this is a big if—companies change their hiring practices that currently exclude hiring older workers.

I hope he is correct!

Conclusion

I have concluded that these last two groups, baby boomers in America and malaise or poverty, will make up the majority of baby boomers in America in the next ten years. I find this very disturbing!

What group do you fall into?

Am I wrong in my findings? I would love for someone tell me what I am missing!

Marc Miller Career Design Specialist

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Please check out this months sponsor III Financial

and their guest post

Why Save For Retirement If You Don’t Plan On Retiring

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Repurpose Your Career: A Practical Guide for Baby Boomers

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Check out the BoomerJobTips Page for the latest curated content relating to baby boomers or join us on the BoomerJobTips LinkedIn Group

Why Save For Retirement If You Don’t Plan On Retiring

Why Save For Retirement If You Don’t Plan On Retiring

RetirementClose your eyes and envision how you will be spending your time when you are 65, 70, or 75 years old (for some of you that will not be hard!). What do you see?

In meetings with families, it is much less common for me to hear about walking away from their job for a life of golf, TV, and bridge games. More often, the conversation steers toward working with a non-profit, consulting part-time, teaching, or even starting a business around a passion or hobby. The idea of phasing into retirement with a reduced or modified work schedule also appeals for several reasons.

Yes, Baby Boomers are taking the term “retirement” and making it their own. How can you get and stay motivated to save much for the future if you envision yourself with some sort of income until the day you die? Simply put, because life happens. What does that mean?

You may be unemployed. Around 70% of employed Americans plan to work beyond age 65, but only 28% of current retirees actually did. They were no longer working due to factors beyond their control – health problems, layoffs, or family obligations.

  •  Plans change. Think back 10-20 years ago. Did you have a clear picture of what life would be like today? (if you did, contact me – I could use a good oracle). You may decide that you want something completely different to fill your remaining years, and that may take more money than you thought.
  • The power of “walkaway freedom”. You could call it “financial independence” or “financial freedom”, but they all refer to the day when you no longer work because you need the paycheck. If you become fed up with work, you have the luxury of walking away and still maintaining the lifestyle you desire for your remaining years.
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Now close your eyes again. Envision having enough money set aside to support your family even if you cannot work anymore, to give you flexibility to change your mind, and to give you the power to choose to work or not.

THAT is why you should get started on a solid path, regardless of your age! This is what I want to work toward with my clients.

So what can you do?

Get a solid idea of the expenses you anticipate in the future (and taking 80% of your current income does not count). I wrote a couple of posts regarding retirement expense myths and expenses you may not think about.

  • Research what kinds of opportunities exist for a retirement career. Check out Encore Careers (encore.org), Your Encore (www.yourencore.com), and Retirement Jobs (www.retirementjobs.com) to see what types of work you might enjoy.
  • Consider working with a Certified Financial Planner®. Creating income in retirement is a complex problem, but there are also many opportunities to reduce investment expenses while remaining conservative. You can read more about what to look for in an adviser here as well as the CFP® Board’s “Let’s Make a Plan” site.

Who do you know that might enjoy re-framing their mindset on saving for the future? Be sure to share this with them!

Biography

EllioElliott Weirtt Weir, MBA, CFP® has been working with families to help them navigate retirement since 2004. He started III Financial in 2012 to focus on helping address the financial realities faced by people over age 50, without the sale of products or the large asset fees of money managers. He is also the editor for the Society of Financial Service Professionals “Retirement Counseling” newsletter.

Elliott earned his MBA in 2002 through the McCombs School of Business (University of Texas at Austin). He enjoys watching the US National soccer team, tinkering with technology alongside his son Travis, keeping up with his son Tyler, and going to see movies with his wife of 17 years, Carrie.

For more, please read his full bio.

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Like what you just read? Share it with your friends using the buttons below?

Subscribe

When you subscribe to this blog you get full access to Career Pivot’s Whitepaper Library

————————————————

Check out my book which is available on Amazon.com!

Repurpose Your Career: A Practical Guide for Baby Boomers

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You can also download my latest white paperThe Multi-Generational WorkplaceMaking Generational Diversity Work

Check out the BoomerJobTips Page for the latest curated content relating to baby boomers or join us on the BoomerJobTips LinkedIn Group

Volunteering to Get a Job – Guest Post

Volunteering to Get a Job

VolunteeringThe advice to “volunteer to get a job” when you’re looking for employment shows up everywhere. It’s one of those pieces of advice that sounds easy when it’s on paper, but job seekers who have actually tried to follow the advice discover that it’s anything but. Often, the non-profits you’d like to volunteer for, don’t have volunteer positions. Even if they do, they’re often for low level jobs like envelope stuffing that wouldn’t help you even if you did put it on your resume.

In this post, I’d like to show you what those other books and articles simply don’t talk about: The nitty-gritty of how to actually get resume relevant work through volunteering, using a process I call the skill-bridge technique.

Step 1: Decide What Skills You’d like to Develop

The first step to getting resume relevant work is to figure out what skills you’d like on your resume. Make a list of all the skills needed for your desired job title, and find the weak points on your resume. What skills are critical for the job but for which you don’t have much (if any) experience?

Step 2: Figure out what the organization needs

The next step is to do a bit of networking. This can be through volunteering at the organization in the low level jobs mentioned earlier, or through going to events that people from the non-profit will be at in high attendance. The goal is to have conversations with people who work there, and figure out two or three issues that are on everybody’s mind. What are the top problems, challenges, and opportunities that the organization is facing?

Step 3: Show the organization how your skills can solve their problems.

The final step takes a little bit of creativity. The goal is to figure out how you can use your desired skills to tangibly effect the problems, challenges, and opportunities that you identified. Then, ask one of your contacts at the company for the email address of a decision maker. Send them a short email saying that your contact gave you their information, and create a crisp, clear proposal showing how you can help solve their problem using your skill (for free).

Conclusion

If all goes well, you’ll take on a relevant project that will not only fill in the gaps on your resume, but also give you passionate advocates and connections who know you can solve problems, and will assist you in your job search.

Interested in seeing how a real life job-seeker used this strategy to go from administrative assistant to business analyst? Listen to the original interview here!

About The Author:

Matt Goldenberg is the creator of the Skill Bridge Technique and the founder of Self-Made Renegade, a website for liberal arts grads and career changers who’d like to get their dream jobs.

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Repurpose Your Career: A Practical Guide for Baby Boomers

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Check out the BoomerJobTips Page for the latest curated content relating to baby boomers or join us on the BoomerJobTips LinkedIn Group

BoomerJobTips – Curated Content for July 12

BoomerJobTips Update

BoomerJobTipsWelcome to this weeks BoomerJobTips Update the central point to get current career information for the Baby Boomer Generation!

Check BoomerJobTips Daily for the latest curated career content. Content is curated from hundreds of the leading career websites with a focus on baby boomer career issues.

Most Popular

Social Media

Baby Boomer

Job Search

Career

Career Pivot

Another way to look at the same links AND MORE from BoomerJobTips.

Join us on the BoomerJobTips LinkedIn Group

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The Career Playbook Series: Boomers + Second Half Plays

PlaybookCareer Playbook

Do you have a playbook for your career? I wish I’d had a playbook when I started my career!

What about now?

Do you feel a little lost and not sure where to go next?

For many of us who are over 50 years of age, the concept of career has changed. It is now just about making enough money to pay the mortgage and put food on the table.

The work world has changed. The concept of being hired for a full time job and receiving a steady paycheck is rapidly disappearing.  For most baby boomers, this is really scary.

(More : Over 50 and long term unemployed – What do you do?)

What if you had a Baby Boomer Career Playbook that laid out your options going forward?

I was recently introduced to Carleen McKay who is with Ageless In America and the San Diego Mature Workforce Coalition.

Carleen has launch the first of a series of playbooks. It is called The Career Playbook Series: Boomers + Second Half Plays.

The concept behind this playbook is to give you real life examples of what you could do if you exited the traditional world of full time employment.

The book contains real stories from real people (names were changed to protect the innocent!).

You do have options rather than going to work full time for an employer! For many, going to work full time is no longer an option.  This book provides powerful stories and lessons about baby boomers who have taken a different path.

  1. Portfolio Workers – Juggling preferences
  2. Starting Over – When the job you once held no longer exists
  3. Starting Out – Entering the workforce for the first time at 50+
  4. Learners – Repositioning through learning
  5. Virtual Workers – Working from here, there and anywhere but an office
  6. “Freelancers” – Temps, free agents, contractors
  7. Interim Executives – Leaders of change
  8. Global Workers – Working from everywhere
  9. Job/Work Cyclers – Managing multiple changes
  10. Barterers – Collaborating and gain-sharing
  11. Good Workers – Doing what matters for others
  12. Subject-Matter-Experts – Focusing on expertise
  13. The Buyers – Small businesses or franchises
  14. The Innovators – Entrepreneurs and solopreneurs

Download it now! It is free!

Other Playbooks

Carleen is helping others create playbooks. Here are two playbooks that are in the works:

The Playbook for The Young Women of STEAM (Science Technology Engineering Art Math)

Less than half of young people entering STEM careers are young women.  Role models and the stories of successful Millennial women in these careers are, in my opinion, the prime motivator to encourage women into the careers that will dominate the future.

 The Playbook for Interns

It’s intention is to encourage internships in order to ensure employ-ability upon college graduation.  While written primarily for anticipated graduates; all stages of internships will be addressed.

Take a moment and download The Career Playbook Series: Boomers + Second Half Plays and let me know what you think.

Does this help you along in your career journey?

Marc Miller Career Design Specialist

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Check out the BoomerJobTips Page for the latest  curated content relating to baby boomers or join us on the BoomerJobTips LinkedIn Group

Should Baby Boomers Care About Their Personal Brand?

Personal BrandBaby Boomers, should you care about your Personal Brand?

I have written a couple of posts on this topic in the last few months:

Each time I have posted links to these posts on a variety of LinkedIn groups.

I have received comments like:

Why do I have to post on social media? Face to face communication is far more important.

You cannot build real relationships on Social Media!

First, that’s actually not true. I know many people who have met clients, customers and collaborators on social media such as Twitter and LinkedIn. They begin by commenting on one another’s posts, having online discussions and getting to know one another. Then, after a period of this, one or the other recommends they meet off line. Frequently, the relationship they built online proves to be something fruitful for both of them.

I also have many clients who work on large multi-national teams. They rarely meet face-to-face with their teammates. One of them has been running worldwide events for a large multi-national corporation from his man-cave for the last several years. His only interaction with his teammates was over the phone. And, like many people who get entrenched in a company, his business relationships were entirely with people who worked for the same multi-national corporation. It was an all-consuming culture.

He is now looking for employment. He knows his stuff. The problem is no one knows that he knows his stuff.  Had he been interacting with other people who do similar things in other companies, he would be a known entity. He would have connections outside of his own company.

Now he has to start promoting his skills. He has to be a salesman where he is the product.

Does this sound familiar? Had he been building relationships, reputation, answering questions for peers on social media, he would have a personal brand as an expert in this field.

That’s why Baby boomers should pay attention to Personal Brands!

We, baby boomers, were raised to be employees and were expected to go to work for father like corporations that would take care of us.

Those days are gone forever!

Dan Schawbel’s new book Promote Yourself: The New Rules for Career Success is counter to the way many baby boomers were raised. Promote yourself? Many of us were taught that our work should speak for itself. Or we should let others speak for us. People who promoted themselves, unless they were really, really good at doing it subtly, were seen as arrogant.

The world has changed.

You now need to look at yourself as a product. A well-defined product that can be promoted worldwide!

That well-defined product is defined by your personal brand.

Can you afford to ignore developing and promoting your personal brand?

If you want to stay employed for the next twenty years (which many boomers will need to do) your personal brand cannot be ignored.

Should baby boomers care about their personal brand?

You tell me!

This post is part of a new regular series on the Personal Branding Blog.

You can read the original post on the Personal Branding Blog.

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Check out the BoomerJobTips Page for the latest  curated content relating to baby boomers.

Marc Miller Career Design Specialist

Forbes Top 100 Career Websites List Dissected

Forbes Top 100 Career WebsitesForbes Top 100 Career Websites List

Ever since Career Pivot appeared on the Forbes Top 100 Career Websites List I have wanted to closely dissect this list to better understand the industry and trends. Here is what I found!

I created my own categories and I placed each website in one and only one category. Therefore, my analysis is strictly subjective!

General Career Coaching/Services

The largest category with thirty websites on the Forbes Top 100 Career Websites list were those that provide general career coaching or provided a career related service. This included websites:

I selected the websites somewhat at random but it gives you a good flavor for the wide variety of services they provide. Most contain a free component but every website is intended to sell some career service.

The thing that I found interesting is most, if not all, of these websites did not exist prior to 2006. This is an industry that has grown up in the last ten years to service the growing population that need career related services.

Job Boards

This category really surprised me!! I fully expected to see CareerBuilder, Dice.com, Monster, SimplyHired, Indeed, TheLadders, and USAJobs. There were over 25 websites on the Forbes Top 100 Career Websites list that fit this category. Some were really interesting:

  • CareerBliss - CareerBliss empowers you to choose happy with company reviews and ratings, salary info and jobs
  • CoolWorks – Summer Jobs and Seasonal Jobs in Great Places
  • FlexJobs – Telecommuting Jobs and Professional Part-Time Jobs
  • Modern-Day Nomads – Top Travel Jobs & Inspiration for Globetrekking, Creative Professionals
  • Startup Hire - Search thousands of jobs at the world’s best startups and find your place to shine

Above is just a sampling of some of the really interesting job board websites. There are many more specialty job boards.

Gen Y/Millenials

A significant number of websites targeted the Gen Y or Millenial generation. I have a son who is a very early Millenial and he graduated college in 2006 exactly four years after graduating from High School. (Very unusual for this generation!!) The great recessionstarted in the fall of 2008 with the collapse of Lehman Brothers. He has grown up to be a fine young man and he is off my payroll!

In thinking about this generation, the vast majority are graduating into the worst job market since the great depression.On top of that, their baby boomer parents told them to follow their passion. The jobs and careers would follow.

Boy did that not happen!

Heck there are five websites on the Forbes Top 100 Career Websites list with Internin their name! A few examples of these websites include:

  • Boredom to Boardroom – Helping young professionals build successful careers with an inside look into HR and the corporate
  • Levo League – Levo League is a social good startup designed to elevate young women in the workforce by providing the career resources needed to achieve personal and professional success
  • The Branding Muse – The Branding Muse provides actionable advice and resources that eliminate confusion and helps students, working professionals and entrepreneurs develop their personal brand

Communities

There were eleven websites on the Forbes Top 100 Career Websites list that I classified as community websites. Their purpose was to create a community that would help itself. Some of these are free and some have a monthly charge. This includes websites:

General Resouces

There quite a few general resource websites that you will recognize like Salary.com, Glassdoor, Recruiter.com and About.com Careers section.

What about Baby Boomers?

Well, this is what surprised me. There were only two websites on the Forbes Top 100 Career Websites list that are explicitly dedicated to Baby Boomer issues. Career Pivot and My Lifestyle Career.

There is Encore.org where their focus is on encore careers for social good. You could bundle them into this category and say three websites. None the less, it appears to be an under served market.

I want to pose the question – why are there so few online services focused on the Baby Boomer generation?

Let me know what you think? I will be writing about this next week!

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Repurpose Your Career: A Practical Guide for Baby Boomers

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Check out theBoomerJobTips Page for the latest  curated content relating to baby boomers.

Marc Miller Career Design Specialist

BoomerJobTips – Curated Career Content for September 22

BoomerJobTipsBoomerJobTips Update

Welcome to this weeks BoomerJobTips Update the central point to get current career information for the Baby Boomer Generation!

Check BoomerJobTips Daily for the latest curated career content. Content is curated from hundreds of the leading career websites with a focus on baby boomer career issues.

Most Popular

Job Search

Social Media

Baby Boomers

Career Pivot

Another way to look at the same links AND MORE from BoomerJobTips.

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Like what you just read? Share it with your friends using the buttons below?

Subscribe

Check out my book which is available on Amazon.com!

Repurpose Your Career: A Practical Guide for Baby Boomers

You can also download my whitepaperDon’t Retire Even If you Can and What to do Instead – A Baby Boomer Manifesto

Check out the BoomerJobTips Page for the latest  curated content relating to baby boomers.

Marc Miller Career Design Specialist