Checkout these sites for job opportunities for older workers:

Enrge.us
This website specializes in helping retired government workers find jobs in the private sector. Workers can post resumes for free which potential companies can then view (for a fee). There are no job postings allowed by the companies.

ExecSearches.com

Helps government, nonprofit, education and groups
“fill executive, midlevel and fund raising positions”. People seeking jobs can receive emails alerting them to potential openings that fit their needs and skill levels.

RetiredBrains.com
Allows job seekers to search for part-time or temporary jobs. Also, project assignments or full-time positions.

Retireeworkforce.com
Features 3 dozen or so companies posting job openings. No fees for job seekers.

Retirementjobs.com
No charge for job seekers. Employers pay a fee to post openings and access to the websites database. They screen and identify employers that offer an “age friendly environment”.

Seniors4hire.com
Job seekers can post resumes and job wanted ads.

Workforce50.com
No charge to job seekers. Job seekers can store up to 3 resumes on the website. Offers a large number of resources and articles for job seekers.

YourEncore.com
This website was founded by Proctor and Gamble and EliLilly. They specialize in placing retired scientists and engineers with employers that join the website. Jobs are primarily for part-time technical assignments.

When you need your money short term, think in terms of a money market. You can make some interest and still have access to your money when you need to. These types of accounts are great for emergency funds.

Checkout the rates in your area:

Bankrate

Checkout this blog for rate information:

Daily Banker

I currently have a money market and it is slowly paying less and less interest. I started at 4.75% interest and it dropped to 4.410% on January 1st and it reset again on January 22nd to 3.928%. The interest rate reductions are killing my return on investments. It is time to start looking for another account.

This is an excellent book that provides you with a no nonsense comprehensive plan to get yourself out of debt and to increase your wealth. You just need to learn how to say NO.

Book	Audio

Here are some of his key points:

1. Debt is bad. Don’t get into it. Buy with cash.
2. Here’s how to payoff debt: Concentrate on the smallest debt first. Pay what you can on it, over the minimum payment. Once the smallest debt is gone, add that former payment to the next outstanding debt payment and so on. (The “debt snowball”) is what he calls it. Psychologically this will help you get your debt paid off. He says don’t concentrate on the interest rate, just the size of the loan.
3. After all debts are gone, set aside 3-6 months of expenses for your emergency fund.
4. After the emergency fund, start investing in mutual funds.

1. Ditch Your Debit Card

It seems counterintuitive, but when you’re paying with plastic, credit cards are the way to go. At least that’s if you have the willpower to charge only what you can afford to pay off each month. Credit cards offer more consumer protections — from extended warranties on purchases to zero liability on unauthorized charges — than debit cards. If you can’t be trusted to bring the balance back to zero on a monthly basis, at least pick up a pen to sign for your debit card purchases instead of entering your personal identification number. You’ll gain a few more protections and earn double the rewards.

2. Boost the Earning Power of Your Checking and Savings Accounts

It may seem like small potatoes, but you can beef up your checking and savings accounts by seeking out the best interest rates available and avoiding the nasty bank fees that can quickly drain your balance. Here’s how to bolster your banking returns.

3. Don’t Forget to Save For Retirement

If you aren’t getting the full company match for your 401(k), then you’re giving up free money. (Go ahead, scoff, but 20% of workers don’t contribute enough to do so, according to Hewitt Associates.) Not only will increasing your contributions make a significant difference in your retirement savings, but you can do so without noticeably depleting your paycheck.

4. Pick the Best Credit Card

A low interest rate is the obvious must-have, but it’s also worth looking for a credit card that offers other benefits you might use. A good rewards program and cardholder perks can make a world of difference.

SmartMoney.com New Year’s Resolutions