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Retirement Job Image #1

 The New Retirement Means Having a Retirement Job

It used to be that retirement meant leaving the workforce completely. In a recent survey, individuals very close to retirement (age 55 to 61) were asked what their retirement plans were. Their responses were surprising: 95 percent of individuals close to retirement age expect to work in a retirement career or job when they are retired.

Note that these individuals don't intend to work full-time throughout their retirement, A retirement job is clearly an important part of their retirement plans, however. Jobs during retirement are also a significant part of life for people who are already retired as well.

Almost a fifth (19 percent) report being employed either full-time, part-time, or self-employed. And two fifths (40 percent) of retirees have had at least one retirement job since retiring.

As the following retirement quote indicates, retirement without any type of work is not satisfying to everyone, even to those who may not get that much fun at work, but would rather return to the workplace than stay retired.

"It [retirement] was absolutely boring. You can't go and say, 'I'm retired now. That's it!' It won't take long and you're really gone for good and someone  throws the last shovel of dirt on a coffin with your name on it.  That's the moment you're really retiring - when you die."
- Ozzy Osbourne

It is not only boredom in retirement that will compel many retirees to look for a retirement career or some sort of retirement work. Social Security is not enough to subside on. (What's more, Social Security has only one minor flaw — there ain't no retirement money in it!) For those who didn't adopt any saving tips for retirement and absorbed too much debt due to poor debt management, slaving away at a job at 80 0r 85 may be the only option.

Clearly retirement jobs are integral to the new retirement. Retirement work life is very different from the typical corporate grind, however. Most retirees shun responsibility and stress. Instead, they are looking for flexibility and freedom in their jobs during retirement. This is why a self-employed retirement may be attractive to certain retirees. 

If you are going to work in retirement, I suggest that you don't work at a real job. See my Top-10 Reasons to Never Work at a Real Job.

Eighty-six percent of those working in retirement work just enough to keep themselves busy, challenged and engaged, but not so much that it infringes on their leisure time. In other words they are looking for fun retirement jobs and the best retirement careers they can find. Of course retirement businesses are another option.

This is how I intend to work in retirement and I will be doing what I am doing now, writing and self-publishing best-selling books such as The Joy of Not Working and How to Retire Happy, Wild, and Free.

 

  Retirement Book

Many baby boomers, unfortunately, may find they have to work in retirement because they did not plan and save properly. But retirees don’t work just for money. They also work to create social connections, enhance learning, and elevate their self-image. Interestingly, half of all those surveyed say they would have a fun retirement job even if they were paid very little or nothing at all.

Other surveys show that nowadays many individuals plan to continue working in some capacity after they retire. They want to work fewer hours, be their own boss, or switch to a career they find more personally rewarding, even if it pays less. Indeed, choice retiree jobs have become desirable and hard to get in some cases due to the recession.

The reasons that many retirees keep on working at least part-time in a retirement job are numerous including this one given by Timothy Ferris.

One week into retirement, you'll be so damned bored that you'll want to stick bicycle spokes into your eyes. You'll probably opt to look for another job or start another company. Kinda defeats the purpose of waiting [for retirement], doesn't it. 
-
Timothy Ferris in The 4-Hour Workweek

Retirement Job Image #3A

Jobs for older workers are expected to increase in certain occupations in the future as employers hire seniors, baby boomers and retirees who come with experience and intellectual capital - but often without a need for expensive benefits - for temporary jobs and project work.

If this trend develops, you may be able to create your unreal retirement job or dream career for retirement.

Almost three out of five new middle-class retirees will outlive their financial assets if they attempt to maintain their pre-retirement standard of living, according to a new study conducted by Ernst & Young LLP on behalf of Americans for Secure Retirement.

Jobs During Retirement Image

If you are a baby boomer quickly approaching retirement, you may be concerned whether you are saving enough for retirement. If you feel that you will be financially embarrassed in retirement, then starting a fun retirement business or creating your own dream retirement job is the way to go.

It's better to be out of money than out of new creative ideas on how to make money.
- Spiritual Rule of Money

To be successful at a retirement business, you must spot and capitalize on the many opportunities that the world has to offer. Paying attention to the world around you - looking at commonplace things and seeing the miraculous - will lead you to opportunities that others don't see.

Of course, the critics and negative people - which constitute the majority in Canadian and American society - will not spot the opportunities around them. Even if they do, they will not do anything with them.

I received this e-mail from Nicola in Australia (she did not want me to post her last name or e-mail);

 

 Career Success Without a Real Job Image #A  

 
Thanks Ernie for your great book Career Success Without a Real Job.

After a pretty disastrous few months of rotten health at the beginning of this year, I read your book while recuperating. I loved the story of the bloke who sold splinters of the Brooklyn Bridge. It was an opportunity there for anyone with eyes to see, but only he was prepared.

After reading and seriously thinking about your book, my eyes were "sharpened up" looking around for opportunities. I didn't strike an instant goldmine, but have found something that really suits me.

In a room of about 20 mums at playgroup, only two of us paid attention to a newcomer telling us about her amazing new kitchen appliance. And only I grabbed the opportunity, seeing the huge scope of possibilities for this appliance in our state. That was almost three months ago.

My little business is up and running, and taking off like a rocket. It means I can continue home educating our 4 children, and do the business work in evenings and weekends. I'm not a natural sales woman, but I have a high quality, unique appliance that can help people eat healthier and cheaper. I feel good that I have an "ethical" product.

How come the other 19 people in the room didn't also see this opportunity?

Keep up the good work. I hope many others will be emboldened to take the steps they need to make their lives more satisfying.

Nicola
Australia 

 



So why didn't the other 19 people spot the opportunity that Nicola saw? Simply, because they have a thinking problem. Fact is, opportunities for retirement businesses and retirement jobs are all around you.

Also just because there is presently an economic downturn happening does not mean that there is no opportunity to create a new retirement career or capitalize on a self-employed retirement. What do Microsoft, Hewlett-Packard, and Disney have in common? They all started during economic downturns, as did more than half of the 30 companies that comprise the Dow Jones Industrial Average. An recession is a great time to create your own dream retirement job or start one of many retirement businesses to help the economy.

Keep in mind that you don't have to go halfway around the world and spend a ton of money to spot opportunities for retirement jobs and retirement businesses and take advantage of them. Opportunities for creating new sources of income are all around us, including our backyards.

Robert G. Allen and Mark Victor Hansen, co-authors of The One Minute Millionaire (Harmony, 2002), claim that they will be able to spot at least fifteen money-making opportunities in your living room alone.

Indeed, opportunities for creating your own great retirement jobs and retirement businesses are all around you. I discuss this at length in Career Success Without a Real Job.

 Retirement Jobs and Retirement Businesses Image
Don't Rush into a Retirement Business -
 Starting One Is a Lot Harder than It Sounds

According to a recent survey by South Korean consulting firm ChangupKorea, not unlike North Americans, many people in South Korea find it difficult to settle down to an inactive life after retirement. So they either search for retirement jobs or decide to start up some sort of retirement business. 
 
About 20 percent of retirees manage to find a so-called retirement job and about 30 percent start a retirement business. 
 
The remaining 50 percent take their time and either eventually start their own retirement business or end up doing something else.
 
The Graduate School of Industrial and Entrepreneurial Management at ChungAng University polled 105 South Korean individuals between the ages of 48 to 60 employed and found that 23 percent wanted to start their own restaurants, while 11 percent favored educational services. Ten percent were interested in opening their own Internet shopping sites, and 9 percent wanted to go into business as brokers or start patent-related companies.

There is a warning when starting a retirement business, however, whether in South Korea or in North American. The problem with starting a retirement business is that in South Korea only about 35 percent of start-ups that employ fewer than five workers last five years. The success rate in North America is no better.
 
The head of  head of South Korea's Small Business Institute, Lee Kyung-hee, declares, "Each year, an average of 1 million Koreans start their own small businesses, but 890,000 of them fold within a few years, so the success rate is only around 10 percent."
 
Given the low success rate of retirement businesses, I would suggest that the best retirement businesses are ones that have a low or no capital cost, such as an Internet business which is perfect for retirees wanting a home . At least if it fails, all that you have lost is your time, and a bit of your ego. 
 
Get Real !  - It May Be Easier to Create Your Own Dream Retirement Job Than to Find a Job in Your Field !
 
Many laid-off baby boomers hope that they will find new jobs in the same career category with the same salary as they had in their former line of work.  A lot of these people are fooling themselves, however.
 
A rapidly changing world means that the skills of some laid-off workers can become obsolete in a year or two.  What's more, corporations don't value experience as much as some people think.
 
Still more, almost half of the layoffs in the U.S. in the great recession involve jobs that have disappeared permanently.  To deal with the recession, even some of the Fortune 500 companies are outsourcing work that was previously done in the U.S.
 
Catherine Rampell, in The New York Times  points out: “The shift from temporary layoffs to permanent job loss has been especially pronounced [in this recession]. In fact, the share of the unemployed who lost their jobs permanently is at its highest level since at least 1967, the first year for which the Labor Department has these numbers available.”
 
That means that reducing unemployment will depend to a greater extent than ever on creation of jobs that didn’t exist before the recession. That points to the need for career reinvention, acquiring new skills, education and degrees, for creating interesting retirement jobs and new careers for retirees. Says Rampell, “Some workers may need to move to new places in order to start a different career.”
 
So, get real! It may be easier, in fact, to create your dream retirement job or create your own second career after retirement than to find a fun retirement jobs in the field in which you used to work.
 
In short, the best way for baby boomers to have a so-called retirement job will be to try a new line of work or to create their own dream job through solo-entrepreneurship, that
      

Retirement Job Hunting Over 50 Resources

Approaching retirement and not sure if you want to quit working? Check out these retirement job resources that list  best post retirement jobs and fun jobs for retirees loaded with opportunities perfect for the skills and maturity you can provide!

  • Jobs During Retirement on the Real Success Resource Center: Besides the traditional Top Ten Retirement Jobs and the Top Ten Cool Retirement Jobs listed, perhaps a job of the future is your best bet at a second career after your official retirement from your main career. 
  • Best Retirement Jobs on The Retirement Cafe: Retirement jobs and retirement businesses for retirees too broke or too bored with being retired. Reasons why retirees have a retirement Job or create a retirement business.
  • Dream Retirement Jobs on Squidoo: Looking for interesting and rewarding work opportunities after retirement but aren't sure what to look for? This webpage provides some retirement job resources that can help.
    Free Online Employment Networks for Retirement Jobs and Retirement Businesses
  • Retired Brains
  • Work Force 50
  • Retiree Work Force 
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