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Table Of Contents

Introduction
About This Book
Foolish Assumptions
What You’re Not to Read
How This Book Is Organized
Part I: Getting Ready to Retire . . . Not!
Part III: Finding Your Next Job
Part VI: The Part of Tens
Icons Used in This Book
Where to Go from Here
Chapter 1
Making that Critical Decision — Stay Retired or Go Back to Work
Needing or wanting to work
Assessing your talents
Figuring out what you want to do
Managing Your Money and Your Health
Taking inventory on what you have
Keeping yourself solvent
Sorting out the rules of Social Security and work
Staying healthy with and without Medicare
Going Job Hunting
Working Less Than Full Time
Revisiting Your Past or Starting Your Own Business
Working for your company — again
Following your dream of owning your own business
Expanding Your Horizons
Chapter 2
Facing the Financial Facts
Lost nest egg
Reduced pension payments
Didn’t save enough
Maintaining Your Lifestyle in Retirement
Budgeting for specific phases of retirement
Knowing what to budget for
Losing Professional Contact . . . or Just Getting Bored
Keeping your professional network alive
Finding a new network of retired professionals
Going back to school
Teaching others in your field
Determining Your Strengths and Weaknesses
Assessing Your Last Job
Uncovering Your Worker Type
Determining your working type
Understanding your worker type
Using How You Like to Work to Find the Ideal Job
Working autonomously
Needing direction
Working in teams
Applying Your Skill Sets
Carving Out Your Creative Talents
Seeking Help to Determine What You’d Like to Do Next
Talking with Someone One on One
Seeing the need for a career counselor
Finding a career counselor
Determining what to talk about
Testing Your Values, Interests, Personality, and Skills
Exploring your values
Determining your interests
Taking personality tests
Taking skills assessments
Networking with others
How to build your network
Online job networks for seniors
Joining a Support Group
Uncovering how support groups work
Finding support groups near you
Getting a Grasp on Managing What You Saved for Retirement
Exploring Your Retirement Accounts
Defined contributions versus defined benefits
Pensions (defined-benefit plan)
Employer savings plans (defined- contribution plans)
IRAs
Taking Out Your Money — the Official Rules
When you must start to draw money
How much you must withdraw
Investing the Money You Have
Avoiding common mistakes
Allocating your investments
Changing your strategies as you age
Determining Your Budget
Budgeting for each phase of retirement
Accounting for everything
Developing a retirement budget
Planning Your Withdrawal Strategies
Tracking everything
Exploring what you have
Allocating Your Assets and Withdrawing Safely
Checking out the chart
Following an example
Calculating Whether Your Income Is Enough
Dealing with Taxes
Taxation of your pensions
Taxation of your retirement savings
Working and Collecting
Following the rules
Figuring benefits if you retire early
Impacting Your Current Benefits by Going Back to Work
Understanding the Retired Earnings Test (RET) basics
Reviewing the rules
Calculating how much you can lose
Calculating your income
Taxes on pensions and retirement savings when collecting
What isn’t taxed?
Taking a Look at Pension Legislation
Checking out the past on pensions
Looking to the future
Going the way of dinosaurs
Understanding the fate of your funds
Retiring Early — Not Eligible to Collect Social Security
Taking pensions while still working for your company
Withdrawing employer retirement savings
Continuing to save
Delaying Benefits — Deciding Not to Collect
Improving future Social Security benefits
Understanding the benefit of delaying benefits
Calculating your best time to start collecting Social Security
Deciding not to wait any longer
Exploring Health Insurance Types
Group health plans
Losing a Group Plan
COBRA
Association health plans
AARP
Individual health plans
State guaranteed issue health insurance pools
Researching coverage exclusions
Finding insurance coverage
Uncovering hidden costs
Figuring Out When Your Health Coverage Will End
Getting Started with Medicare
Starting coverage
Missing Medicare deadlines
Facing penalties
Delaying coverage because you’re covered at work
Traditional Medicare — Parts A and B
Part A
Part B
Medicare Advantage Plans — Part C
Examining the plans
Figuring out which plan is best for you
Prescription Coverage — Part D
Demystifying the basic drug benefit
Obtaining Plan D prescription coverage
Ensuring the drugs you take are covered
Finding the right plan for you — it can happen!
Adding up the costs
Paying for Part D coverage
Paying for Things Medicare Doesn’t Cover
Medicare Advantage Plans
Medigap
Long-term healthcare
Getting Medicare Coverage, If You Don’t Qualify
Writing your resumé
Building Your Resumé
Keeping up with change
Tailoring your resumé
Preparing your resumé
Using the employer’s needs
Researching the employer’s needs
Emphasizing accomplishments
Avoiding dating yourself
Taking advantage of writing tips
Formatting Your Resumé
Using Your Network
Tapping the Internet
Scouring job-listing sites
Checking in on company Web sites
Looking through the Classifieds
Newspapers
Grocery stores
Senior centers
Churches or synagogues
Counting on Your Support Groups
Health centers
Surviving the Interview — Especially Those Tough Questions
Getting Ready for the Interview Mentally
Understanding the need to stay calm
Reducing stress before an interview
Reviewing the Basics for Answering Interview Questions
Answering Basic Questions
Getting to know you
Testing your knowledge of the company
Sizing up your longevity
Dealing with the Tough Questions
How to deal with qualification questions, like . .
How to deal with longevity questions, like . .
Preparing an Interview Checklist
Overcoming Myths About Older Workers During Your Job Search
Going Toe to Toe with Training Myths
Emphasizing your ability to learn
Leveraging your longevity
Poking Holes in Productivity Myths
Pointing out your increased productivity
Advertising your adaptability
Capitalizing on your creativity
Coping with Cost Myths
Keeping reality in check when it comes to your paycheck
Telling the truth about benefit costs
Accident costs are higher for older workers
Seeking Part-Time Work
Considering your needs and wants
Using online resources
Finding work if you’re a scientist or engineer
Searching for jobs if you’re a retired government expert
Telecommuting — Not Telemarketing!
Understanding telecommuting
Finding a telecommuting job
Most Popular Part-Time Jobs for Older Workers
Bank teller
Customer greeters
English instructor
College or university faculty member
Floral assistant
Home care aides
Mystery shopping
Teacher’s assistant
Tour guide
Switching to Part-Time
Developing a restructuring plan
Proposing the change
Sharing Your Job
Finding the right fit
Creating a winning job-sharing team
Telecommuting from Home
Convincing Your Boss
Taking steps in the right direction
Finding help online
Proposing an Independent Contractor Arrangement
Going Back to Work as a Temporary Worker
Using a Phased Retirement Arrangement
Understanding Consulting
Checking out the advantages
Reviewing the required skills
Seeing how consultants work
Learning how to listen
Starting to Talk with Your Employer About Consulting
Researching Compensation Issues
Researching fee structures
Setting your fees
Negotiating Contracts
Confidentiality
Expenses
Deadlines
Getting Paid
Activity log
Invoices
Being Your Own Boss After Retiring — Try Consulting
Assessing Your Skills to Be a Consultant in Your Industry
Picking Your Niche
Building and Using Your Network
Finding contacts for your network
Getting to know your contacts
Becoming a known entity
Becoming someone to recommend
Understanding Your Non-Compete Clauses
Pricing Your Services
Networking with others to gather pricing details
Setting your price
Writing Your Contracts
Finding an attorney
Understanding contract parts
Designing your contracts
Writing Proposals
Setting Up a Successful Consulting Business
Developing a business plan
Networking effectively
Following-up regularly
Building your own business
Starting Your Own Business
Supplementing your retirement
Funding your retirement
Getting started — developing a business plan
Marketing your business
Funding your business
Deciding your business location
Buying an Existing Business
Deciding what type of business to buy
Finding businesses for sale
Assessing the value of a business
What is franchising?
Finding franchise opportunities
Key things to consider before signing a contract
Funding requirements
Popular Senior Learning Opportunities
Elderhostel
TraveLearn
Osher Lifelong Learning Institute (OLLI)
SeniorNet
Local community colleges
Learning online
Learning Abroad
University of Strathclyde’s Senior Studies Institute
Adult Residential Colleges Association (ARCA)
Archaeology Abroad
Adult cultural program — France
Taking art in Italy
Learning a language
Becoming a Teacher Yourself
Starting Your Own Learning Group
Forming a book club
Putting together a travel group
Starting an investment club
Understanding That You Have Something to Offer
Being a Volunteer in the Business World
SCORE
Volunteers in Medicine clinics
Small-business incubators
Helping Out in Your Community
Executive Service Corps Affiliate Network
Environmental Alliance for Senior Involvement
Experience Corps
Generations United
North Carolina Center for Creative Retirement
OASIS
Senior Corps
Volunteering Internationally
Earthwatch Institute
Global Citizens Network
Global Volunteers
Globe Aware
Landscope Expeditions
LiFeline
Orphanage Outreach
Volunteering Virtually
Business Services
Cars
Consulting Services
Education
Entertainment
Financial Services
Healthcare
Industrial Equipment
Pharmaceuticals
Retailing/Direct Selling
Administrative Skills
Decision Making
Financial Skills
Industry-Specific Skills
People Management
Physical and Emotional Stamina
Problem Solving
Self-Motivation
Sales and Marketing
Time Management
Advocate
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Working After Retirement for Dummies

Working After Retirement for Dummies

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Published by Jan te Rietstap

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Published by: Jan te Rietstap on Dec 01, 2011
Copyright:Attribution Non-commercial

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07/01/2012

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