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Jobs after 60

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Chances are that by the time a person reaches 60, they might relish a second career, something different that could bring in reasonable money while still being engaging.

Although getting a job after 60 is difficult, there are still some opportunities, according to US News.

– Teaching: Popular among women age 62 or over, teaching has attracted more than 10 percent of women who launch a second career. About 3 percent of older men have also entered the field, according to the Urban Institute. At this point, there are plenty of those jobs to go around. The Bureau of Labor Statistics projects an increase of up to 8 percent in teacher jobs by 2026. And the pay is actually pretty good: from $56,000 at elementary level to $59,000 for high school.

– Colleges: Professional schools and community colleges are two important areas for retirees. About 4.1 percent of men and 1.4 percent of women took postsecondary teaching jobs. The BLS estimates a 15 percent increase in postsecondary teaching by 2026. Median salary is $76,000.

– Administrative Assistants: Scheduling, information resources, accounting and bookkeeping are some of the areas an assistant in the office can help with. Also, there is a booming business in virtual assistants and virtual office staff to answer phones. This could even be a self-employment opportunity.

– Home health aide: A job that can require strength and a commute, home health and personal care aides are in demand, with an expected 15 percent increase coming during the next 10 years.

– Real estate: With lifetime contacts in a community, a senior can go into real estate with a built-in array of possible clients.

– Sales: These jobs run the gamut from product demonstrators and promoters to cashiers and retail sales workers. While representatives of major manufacturing companies earn top dollar, most sales jobs offer at least a respectable second income.

Interesting Things You Need to Know

Three wedding photography trends you need to know about

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Whether you spend two weeks or two years planning your wedding, it’ll be over in the blink of an eye. To ensure you capture the event with beautiful photographs you’ll appreciate for a lifetime, take a look at these three inspiring wedding photography trends:

1. Drone photography. If your wedding is taking place in a beautiful outdoor location, a drone can create awe-inspiring photos that are impossible to get from the ground. Since photography drones are basically miniature helicopters with cameras attached to them, be sure to hire an experienced and licensed operator to avoid disaster.

2. Smoke bombs. Photographers are now incorporating colorful puffs of smoke that add an unexpected and untraditional element to wedding photos. Available in any color, smoke bombs can be used in different ways to add touches of whimsy or drama to your pictures.

3. Photojournalistic photos. Also called reportage style photography, these photos have a more candid and natural look than traditional shots. While your photographer will likely still cue you for some pictures, they’ll be using smaller, less obtrusive cameras to capture intimate moments from your wedding ceremony and reception.

No matter what type of pictures you eventually want to see framed on your mantle, the key to having beautiful photographs you and your partner will love is to work closely with your photographer.

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Interesting Things You Need to Know

Glossary of investment terms you should know

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Are you too embarrassed to ask about the difference between stocks and bonds or what it means to “diversify” your investment portfolio? Here’s a brief glossary defining some key investment terms.

Bonds: bonds are formal “IOUs” that specify how a loan will be repaid over time. Government bodies and corporations borrow money from investors to fund projects and pay them interest until the bond reaches maturity and is repaid in full.

Diversification: a diversified investment portfolio means having a mix of different assets to reduce risk. For example, you own stock in a variety of companies and also have bonds; you won’t lose everything if one company fails.

Liquidity: liquid investments can be cashed in or sold quickly. This is important if you’re investing on a short-term basis.

Mutual funds: with mutual funds, investors pool their money together into one professionally managed investment. An investing expert then determines where the money should go to generate the greatest returns for the investors.

Return on investment (ROI): the profit you make on an investment. It comes in two forms: income generated, including interest and dividends, and increases in values, which means you can sell your shares for a profit.

Stocks: stocks represent partial ownership of a company. When you buy stock, you become a shareholder and earn money when the company does well.

Now that you know some of the basic terminology, it’s time to get your feet wet and start investing.

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Interesting Things You Need to Know

What to do if you find a lost animal

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If you come across a cat or dog that looks lost, here are three things you should do.

1. Use caution to catch and contain it. Approach the animal slowly and carefully, speaking in a calm, gentle voice. The best way to contain dogs is with a leash or inside a fenced yard. Cats should be put in a cat carrier, a secure box with air holes or in a room in your house. If the animal is behaving aggressively, don’t try to catch it: call animal control or the police right away.

2. Look for an ID. If the animal has an identification tag, you’ll be able to contact the owner immediately and arrange its return.

3. Contact a local animal shelter. If the animal doesn’t have an ID tag, take it to an animal shelter. The animal shelter will scan the animal for a microchip, which typically contains the owner’s contact information. Even if it doesn’t have a microchip, the animal has the best chance of being reunited with its owner at the animal shelter, as it’s the most obvious place to go looking for a lost pet.

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Interesting Things You Need to Know

Seven ways to save money without sacrificing your dream wedding

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Traditional weddings can cost an arm and a leg, and sometimes leave the couple in debt before they even begin their lives together. Here are seven ways to save money while still having the wedding of your dreams.

1. Limit your guest list: only request the presence of the people that matter to you. Avoid inviting distant relatives you never see.

2. Find a beautiful location: art galleries and botanical gardens are venue options that won’t need extra decorations.

3. Choose a restaurant: not only will the food be better, but you’ll also have all the tables, chairs and linens you need.

4. Only serve beer and wine: or if cocktails are your thing, create a signature drink to offer your guests.

5. Get a deal on the dress: buy your dress at a sample sale, or consider renting or buying a used one.

6. Minimize your florist bill: use candles as your centerpieces instead of flowers.

7. Make your own wedding album: find a photographer that will give you all of the day’s pictures on a flash drive and use an online tool to create your own photo book.

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Interesting Things You Need to Know

A beginner’s introduction to cryptocurrency

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Cryptocurrencies like Bitcoin and Ethereum are digital currencies that allow people to make anonymous transactions electronically without involving third parties, such as banks, credit cards or companies like PayPal. This is appealing because third-party institutions often charge fees and slow down the transfer process, especially for large, international transfers. Cryptocurrencies eliminate the need for a middleman by using a peer-to-peer network that relies on cryptography — the practice of encrypting information so that only select people can read and process it.

These currencies are not only virtual but also decentralized, meaning that no government or central authority controls how much is in circulation. Instead, circulation is monitored by the user community, and transaction data is stored on computers across the world.

How blockchain works
Rather than using intermediaries, cryptocurrencies use blockchain technology to record and verify transactions. A blockchain is a list of all transactions that occur using a cryptocurrency, with each block representing a specific transaction. It can be accessed by anyone using the currency but is encrypted so your private information stays secure.

When you start using a cryptocurrency, you receive a digital wallet and a public and private key. Your private key is a string of letters and numbers that you use to sign a transfer to confirm that it’s from you. Once entered, it becomes encrypted, but other users can use your public key to check that you’ve signed it with your unique signature.

So, how exactly do transactions get recorded on the blockchain? When you enter your private key to send cryptocurrency, it spurs an encryption process that generates a complex math problem. Blockchain users compete to solve the problem by running high-powered computers that eventually find the solution to the algorithm. Solving the algorithm results in a new block being added to the chain.

The users competing to solve algorithms are called miners because the user who solves the problem first is rewarded in new digital coins. Each time a block is added, more cryptocurrency is generated. Mining cryptocurrency thus verifies transactions while rewarding the people responsible for keeping the blockchain updated.

Investing in cryptocurrencies
Financial experts are divided on whether cryptocurrency is the future of money or just a passing fad. In any case, at the moment cryptocurrency is a high-risk investment. Since digital currencies have no fixed worth or government backing, their value is purely speculative and can fluctuate wildly, even within a few days. If you buy cryptocurrency, spend only what you’re prepared to lose.

Instead of buying cryptocurrencies, some experts recommend investing in companies that are developing blockchain technology. Blockchain has applications beyond cryptocurrency, and many people think that even if cryptocurrency doesn’t last, blockchain could transform how we do business in the years to come. If you’re looking for investment opportunities, consider buying stock in companies that are finding new uses for blockchain.

Did you know?
Microsoft, Subway, Expedia and PayPal are some of the major companies that are now accepting certain cryptocurrencies as payment. Customers can pay for goods and services out of their digital wallets when making online purchases.
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Interesting Things You Need to Know

What you need to know about pet insurance

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Innovations in veterinary medicine, including advances in medical techniques and the development of better prescription drugs, allow for superior pet care. However, more expensive vet bills are a byproduct of these innovations. Pet insurance, therefore, is an increasingly popular purchase among dog and cat owners.

Types of pet insurance
There are three types of pet insurance coverage: accident only, accident and illness, and comprehensive. The comprehensive option covers not only accidents and illnesses, but also various health treatments such as vaccinations, worm and parasite prevention, spaying and neutering, dental care and even behavioral therapy training classes.

Is pet insurance right for you?

When deciding if pet insurance is right for you, there are numerous factors to take into account. For starters, consider your pet’s breed: some breeds are more susceptible to specific health conditions than others. Your pet’s age is another factor to take into account as ageing dogs and cats are more susceptible to injury and age-related illnesses.

When deciding on a pet insurance policy, do the appropriate research but also consult your veterinarian to find out what particular health needs your pet may have.

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