 Retirement Jobs — For those working past retirement age, RetirementJobs.com is a great resource. If you’re over the age of 50, you can join for free and browse job listings from major companies with hiring practices that are not age-discriminatory.  Along with a growing number of labor analysts, RetirementJobs.com's human resources experts observe that a long-predicted workforce change is now underway. The change, possibly the largest since women went to work en masse in the 1970's, is spurred by several factors. Among them: population shifts that have baby boomers turning age 65 amidst a dwindling supply of younger workers, health changes that have people living longer than ever, a new definition of retirement that includes a desire to stay active or a need to remain gainfully employed (see "What is a Retirement Job?"), and new research confirming what many may have known all along-- that, on top of experience, older workers bring valuable traits such as lower turnover, greater dependability, a stronger work ethic, and flexibility over work schedule and pay.  At RetirementJobs.com, their goal is to identify companies most-suited to older workers and match them with active, productive, conscientious, mature adults seeking a job or project that matches their lifestyle. Are seeking to supplement your income, a new challenge, a way to get out and meet people, or another reason? This article is reprinted from the About Us page at retirementjobs.com
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 When trying to save money, the first place to look is in your own backyard. Are you wasting money by being a less-than-savvy shopper or not using certain products the right way? Are you spending on something that you could get for free? Could your home be a source of income for you? Are there decent jobs out there for retired people? Use the resources below to find out some practical ways you can spend less, earn more, and ease your financial burden. Read through this article from U.S. News for simple ways to save 1. Shop for new Medicare coverage. It is a mistake to assume that last year's Medicare coverage is still the best deal for you. Health reform has accelerated changes that were already affecting Medicare policies and prices.
2. Try one shopping trip a week. This will limit impulse purchases, force you to do better meal planning, and also cut down on car expenses. 3. Bargain for lower interest rates. Why should everyone benefit from lower rates but you? If you have any debt outstanding, now is the time to seek a better deal. 4. Refinance your mortgage. With home loan rates at 50-year lows, take a careful look at refinancing. How much will it cost you? Divide this by the number of years you expect to stay in your home. Then look at how much your monthly payments would decline with a lower mortgage rate. How many years will it take you to come out ahead? If it's only a few years, get yourself into a bank or other mortgage lender now. 5. Pay annually if you can. Insurance and other annual services will let you pay the bill in smaller monthly installment payments. But while these monthly payments are not considered a loan, that is exactly what they are. You wind up paying the equivalent of interest in the form of higher payments. 6. Buddy up on groceries. Build a shopping list for that weekly supermarket trip with a neighbor or other friend. You'll get some good social time and save money by buying larger sizes and splitting them. 7. Buddy up on travel, too. Every time you find yourself going on an errand by yourself, ask if there might have been a friend you could have taken along. And for vacations, it's often possible to lower the per-person costs if you travel with friends. 8. Brew it yourself. OK. Every list needs something you can ignore. Go get that venti latte! 9. Don't buy movies and books. The library remains a great way to save a buck on books and movies. If you're comfortable with eBooks and streaming videos, check to see if your library has started offering digital lending. Many have. 10. Never pay a late fee. Make a list of when all your payments are due. If you use online bill payments and are not worried about overdrafts on your bank account, set your recurring bills for automatic payment and save time along with those late fees. 11. Unplug unused devices. I tried this and the results showed up right away in the next month's power bill. Most electronic devices use a bit of power even when you're not using them. Make it a habit to only plug things in when you're using them. Maybe your family room won't be lit up like Bourbon Street anymore with all those little lights. 12. Turn off heat to unused rooms. This is a no-brainer, but it's surprising how many obvious things we don't do. If you use hot-water radiators, make sure you bleed off any air pockets that have built up in them since last winter. 13. Use programmable thermostats. Why heat up (or cool down) your home when no one is there? It's one thing to turn down thermostats during the winter, but it's even better to program your home's temperatures to turn off the heat (without risking pipe damage) when you're not there or at night when you're sleeping. 14. Merge your home phone and cellular services. As the number of cell phones continues to soar past the total for landlines, the question of whether you really need both is getting louder. 15. Generic is good. Look for generic store brands and give them a try. And when it comes to prescriptions, there is even less reason to stick with branded drugs if identical generic versions are available. 16. Flaunt your age for discounts. If there is one virtue of old age that is worth exploiting, it is senior discounts. Look for them. Use them. 17. Make your own birthday and other event cards. The mark-up on greetings cards must be enough to make the folks at Exxon jealous. By crafting your own messages, you will save money. Even more, that personal touch will probably make a very favorable impact on the recipient. 18. Drink water, not soda. And I don't mean bottled water. Changing this single habit will help your wallet gain weight while the rest of you slims down. 19. No partial loads. Do not waste energy, water, and detergent by doing partial loads of dishes or laundry. 20. Barter. I truly believe the Internet was created to let us swap stuff. So, before you go out and buy a new appliance or hardware tool, see if you can find someone online willing to trade it for something you have. If you're not in a rush, go to Craigslist and set up automated email alerts for the items you're seeking. Senior Discounts — This collection of links comes from the Frugal Living section at About.com. Listed are places around the country – from movie theaters and fast food to airlines and car companies – that offer a discount to senior citizens.  Belk: First Tuesday of the month. 15% discount. Ages 55+.
Best Western: At least 10% off regular room rates. Late checkouts and other offers also available. AARP or Ages 55+. Budget Rent a Car: Up to 20% off rates (both standard and promotional). Must be AARP member. Burger King: Discounts vary by location. Often a free or discounted drink. Chick-Fil-A: Offer varies by location. Chili's: A 10% discount at participating locations. Ages 55+. Choice Hotels - Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion, Cambria Suites, MainStay Suites, Suburban, Econo Lodge, Rhodeway Inn: Everyday. 10% discount with Mature Travelers rate. Ages 50+20-30% discount with advanced reservations (Sixty Plus Rate). AMC Theaters: Discount on Tuesdays. Ages 60+. Amtrak: Everyday. 15% discount on adult rail fare with some exclusions. Ages 62+. Applebees: A 10% discount with free Golden Apple Card. Arby's: A 10% discount at participating locations. Ages 55+. Avis: Up to 25% off. Must be AARP member. Banana Republic: 10% discount everyday. Ages 50+. Discount and age may vary by location. Denny's: AARP members get a 20% discount off the total check amount from 4pm-10pm. Coffee is $1 a cup round the clock for members and guests. DoubleTree: Ages 62+ are eligible for the senior rate. Enterprise: 5% off rental, plus free upgrade; 20% in Florida. AARP members only. Farm Fresh: 5% off Tuesdays and Thursdays.55+. Goody’s: Join Club 50 Plus (free), and get 20% off every Tuesday. Goodwill: 10% discount one day a week for ages 55+. Specifics may vary by location. Greyhound: 5% discount on unrestricted passenger fares. Ages 62+ Hampton Inn: AARP members get up to 10% off best available rate. Hardee’s: Offer varies by location. Harris Teeter: 5% off every Thursday (with store card). Ages 60+. Hertz: Up to 25% off rates for AARP members. Holiday Inn Express: Get a discount at participating locations. Ages 62+. Hyatt: Save up to 50% at participating hotels. Ages 62+. IHOP: A 10% discount at participating locations. Ages 55+ Jiffy Lube: Many locations offer a discount for ages 55+. Kellogg's: Special coupons just for AARP members. Kohl’s: Every Wednesday. 15% discount. Ages 62+. Kroger: Day and age requirement varies by location. 10% off total order. Landry Restaurants: Bubba Gump, Chart House, Claim Jumper, Landry's Seafood, Rainforest Cafe, Saltgrass Steakhouse and more. 10% off food and drinks for up to six people. Excludes alcohol. La Quinta: AARP members save up to 10%. Also a senior discount rate for ages 65+. Long John Silvers: Discount for ages 55+ at participating locations. Marriott Hotels: A discount of at least 15% for ages 62+. Good seven days a week. McDonald's: Everyday. Discounted senior coffee. Michael's: Save 10% on regular and sale-priced purchases with AARP card. Some exclusions apply. Motel 6: 10% discount at over 900 locations. Ages 60+ Mrs.Fields: A 10% discount at participating locations. Ages 60+. National Car Rental: Everyday. Call 1-800-CAR-RENT for details. Ages 50+. AARP members save up to 25%. National Parks: Free entrance to national parks with purchase of $10 Senior Pass. Norwegian Cruise Line: 5% discount for AARP members. Must book nine months in advance. Radisson: 10% off the standard rate. Ages 60+. Regal Cinema: A discounted senior movie ticket for ages 60+. Ross: 10% off on Tuesdays for ages 55+ at participating locations. Shoney’s: Everyday. 10% discount. Ages 60+. Starwood Hotels - aloft, Elements, Four Points, Sheraton, St. Regis, W Hotels, Westin. Up to 20% off best available rates. AARP members or 50+. Steinmart: A 10% discount the first Monday of every month. SuperCuts: $2 off hair cut. Ages 60+. Taco Bell: Free drinks for seniors at participating locations. Tanger Outlets: Free coupon book for AARP members. Includes discounts of up to 20% off. TCBY: A 10% discount at participating locations. Ages 55+. Teleflora: A 20% discount everyday for AARP members. Wendy's: A free drink at some locations. Ages 55+. Wyndham - Baymont, Days Inn, Howard Johnson, Hawthorn Suites, Knights Inn, Microtel, Ramada, Super 8, Travelodge, and Wingate by Wyndham. AARP members get up to 20% off of the best available rate. Non-members ages 50+ get 10% off. |
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