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.
Vested: It’s not what you wear; it’s what you own
It’s a term thrown around a lot, and it sounds important: vesting. As in, being fully vested — that sounds pretty good and it is.
According to the IRS, being vested in a retirement plan means ownership. All employee contributions to a retirement plan are 100% fully vested — the employee owns everything he or she puts in.
However, employers usually provide a match of a certain percentage of employee contributions.
That equals a 9% contribution — still pretty good, especially over the long term.
They key idea, though, is that the employer sets a certain match percentage. The employer may also have rules about when their contributions are fully owned (or vested) by the employee.
The employer, along with the fund managers, decides how much of the match the employee owns and when.
Newer employees may start out at lower percentages, but they become fully vested in time.
For example, an employee may become 20% vested in the company match after two years, meaning the employee owns their personal contributions plus 20% of the company match. Many 401(k) plans work out vesting in tiers. The longer you stay with the company, the more of the company contribution you own. An employee might become fully vested in, for example, six years. Then the employee owns 100% of the matching contribution.
Sometimes 401(k)s are set up so that an employee becomes 100% vested at a specific time — say after 2 years. Then they own all the matching funds on one day.
Being fully vested
The good thing about being fully vested is that you own all the money you put in and all the money your boss matches. (Plus, you own all the money that grows over time.) That means you can take the money with you if leave the company or retire.
First steps to entry work in the merchant marine
The most critical phase of finding an entry-level job in the Merchant Marine is knowing how to qualify for mariner employment, according to BeaMerchantMarine.com.
And before any subsequent steps–including the Basic Safety Training license and Standards of Training and Watchkeeping Certification–you should apply for the Merchant Mariner Credential (MMC).
To do so, CareerTrend.com advises you to visit a U.S. Coast Guard Regional Examination Center or the U.S. Coast Guard National Maritime website for the MMC application, medical and drug test forms.
After your physical exam, have your doctor report the results on the medical forms, Personnel Physical Examination Report, Certification of Fitness for Entry Level Rating Form, and, if necessary, the Medical Waiver Submission Form.
Be sure you read and understand the U.S. Coast Guard Drug Testing Requirements document. Get a drug screen, and have its results reported on the DOT/USCG Periodic Drug Testing Form.
Complete the Application for Merchant Mariner Credential or Certificate of Registry. Based on your fingerprints, the FBI will conduct a thorough investigation of your background.
You must also swear to the validity of your statements, furnish information on any convictions, and provide three character references.
If you’ve ever sailed (even in your boat), complete the Small Vessel Sea Service Form. Any time spent on the water counts as sea time.
Because former military sea time counts toward upgrades in certification, or even licensing as an officer, ex-Coast Guard and Navy individuals should complete the Request Pertaining to Military Records form.
Finally, apply for a Department of Homeland Security Transportation Worker Identification Card. This document is required to obtain the MMC, which enables you to seek a job.
6 tips for safe cycling
Biking on city streets presents dangers to cyclists, motorists and pedestrians alike. To ensure everyone’s safety, here are six guidelines bicyclists should follow.
1. Wear a helmet
In the event of an accident, wearing a helmet greatly reduces your chances of suffering a serious head injury. Make sure that your helmet fits well and that the straps sit snugly against the sides of your face and under your chin. Also, be sure to choose a helmet manufactured according to strict safety standards (look for a sticker from a safety standards organization such as Snell, ANSI, ASTM, BSI, SAA or CPSC).
2. Inspect your bicycle
• Tire pressure
• The condition of the spokes
• The alignment of the wheels and the forks
• The tautness of the chain
• The functioning of the brakes.
Only ride bikes that are the appropriate size. Ensure that the seat and handlebars are set at the right height.
3. Make yourself visible
If you cycle at night or when visibility is limited, make sure your bike is equipped with a white front light, a red rear light or reflector, white reflective tape on the front forks and red reflective tape on the rear forks. As an extra precaution, consider wearing reflective clothing and equipping your bike with vertical and horizontal safety flags.
4. Make yourself heard
Bikes are extremely quiet, so it’s important to always announce your presence to other cyclists and pedestrians. Use a bell, horn or your voice to indicate that you’re passing or approaching.
5. Communicate your intentions
Know the hand signals for turning and stopping and always use them when changing lanes, making a turn or coming to a stop. This is for the benefit of motorists and other cyclists. Moreover, make sure to do a shoulder check before signalling and another one just before turning.
6. Remain alert
Distracted cycling is as dangerous as distracted driving. Don’t ever text or talk on the phone while riding your bike. And avoid wearing earphones as it’s important that you hear what’s happening around you.
By following these recommendations and abiding by the local traffic laws, you’ll reduce the risks involved in cycling.
Did you know?
When you’re cycling, you need to communicate with others on the road when you want to turn or stop. Here are the three main hand signals cyclists and drivers should know. (Figures represent cyclists as viewed from the rear.)
To signal a right turn, you have two options. One method is to simply extend your right arm horizontally. Alternatively, you can bend your left arm upward at the elbow so that your hand points up, with the palm forward.
To signal a left turn, simply extend your left arm horizontally (in other words, point left, but with an open palm).
To signal that you’re stopping, bend your left arm downward at the elbow so that your hand is pointing to the ground and the palm is facing backward.
A history of roads in Virginia: “The Most Convenient Wayes”
The Virginia settlers, who arrived at Jamestown Island aboard three small ships on May 13, 1607, had little need for a road system. Barely more than 100 in number, their first concerns were disease, hunger, shelter, and protection from the often hostile Indians who had lived on the land for generations. In those first rigorous years, survival demanded the full energy of the colonists in the wilderness. The waterways were there for transportation—the great rivers that emptied into the Chesapeake Bay and that were to become known as the James, the York, the Rappahannock, and the Potomac.
As the colonists hunted for food and cautiously began exploring the forest, they discovered a crude network of paths made long before by Indians and wild animals. The colonists used these, and many of the paths were to shape the Virginia road pattern for years to come.
The settlers also found roughly built bridges made of tree trunks and limbs, which they at first believed to be Indian-planted traps rather than bridges. By 1610, with new arrivals from England, the colony numbered 210. The road along the River Bank, probably a former Indian path, was used to haul supplies from the ships to the Jamestown Fort.
The Greate Road appears to have been Jamestown’s main street, and it was of early commercial importance. It crossed the isthmus connecting the island with the mainland at Glass House Point, where in 1608 glass was manufactured for export. Faint traces of the road are evident today at Glass House Point.
Eventually, the Greate Road extended on the mainland to Middle Plantation, a settlement to become known as Williamsburg and destined to be the capital of the Virginia colony and the hub of the colonial road system.
The first bridge recorded as having been built by the English settlers was constructed in 1611 at Jamestown Island. It wasn’t really a bridge, but a wharf about 200 feet long from the bank of the James to the river channel, where the settlers docked their ships. The colony’s first agricultural crops raised for export were rolled to these ships.
John Rolfe had begun experimenting with the cultivation of tobacco in 1612 and two years later exported a shipment to England. In less than 20 years, tobacco exports had reached 500,000 pounds annually; tobacco would remain the foundation for the Virginia economy throughout the colonial period. Inevitably, the success of the tobacco crop was to influence the colony’s transportation needs as well.
The tobacco fields spread on the mainland, and a number of the old Indian paths became tobacco rolling roads. The name came from the practice of packing the harvested tobacco in barrels called hogsheads and rolling them to the wharves, frequently a distance of miles. The rollers ordinarily tried to follow the high ground and avoid the fords, or shallow stream crossings, because water leaking through the barrels would damage the tobacco.
The practice of following the old paths and branching off from time to time on higher ground accounts for many of the early meandering country roads. After two decades, the colony’s population was near 5,000 and growing. The frontier had been pushed well beyond its original boundaries, and while much of the settlers’ travel was still by boat, an increasing proportion was on land.
Next up: America’s First Road Law
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Virginia Department of Transportation
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1401 E. Broad Street
Richmond, VA 23219
Truckers and the transport industry: the backbone of America
Trucking is the most common method of transport in America and is responsible for moving 70 percent of all freight within the country. There are currently just under four million long-haul truckers employed in the United States.
Truck drivers have a rigorous schedule and spend up to 300 days per year on the road. Many work up to 70 hours a week, although they’re only allowed to drive for 11 hours a day.
Some truckers are paid hourly, but most are paid by the number of miles driven. This means that traffic, adverse weather conditions and mechanical breakdowns all have a financial cost for truck drivers.
Drivers travel roughly 125,000 miles per year, which amounts to almost 350 miles per day. When it comes to schedules and seeing their families, drivers with seniority may have a regional route that allows them to return home weekly. Newer drivers, however, may be away from home for up to three weeks.
Truck drivers and other transport workers do important work that keeps our communities running. About 75 percent of American communities are entirely reliant on trucks for transporting food, clothes and supplies. So, the next time you see a trucker, thank them for the important role they play in keeping our country running smoothly.
How often should you cut your hair?
The ideal frequency with which you should cut your hair depends on its length, the chemical processes it’s been through and whether or not you’re growing it out.
Structured styles like pixies and bobs need to be cut every four to six weeks to maintain their shape. Medium to long hair that’s in good condition can be trimmed every 12 weeks.
If you’re growing your hair, have it trimmed every eight weeks. While this may seem counter-intuitive, frequent cutting keeps your hair strong and prevents it from breaking.
Hair that’s been dyed, heat damaged or undergone other chemical processes should be cut often to restore it to health. If your ends are dry or broken, get a trim every six to eight weeks until the damage has been removed.
Keep in mind that everyone’s hair grows at a different rate. You may find that your own strands need a trim sooner than is suggested here. Talk to your stylist to determine the right haircut frequency for your particular strands.