Retirement income sources comparison

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Boomers In The Work Force

If you follow the baby boomer demographics and you are a baby boomer (born between 1946-1964) you begin to wonder about a lot of things because the numbers are staggering when it comes to our generation. We are 76 million strong. (39)They numbers say that 64 million baby boomers (over 40 percent of the US labor force) will be eligible to retire in large numbers by the end of the decade. Statistics also show that the average retirement age today is 63 because baby boomers are staying on the job longer, either by choice or because they need to stay employed. (57)The increase in retirement age from 55 to 63 represents a trend for baby boomers and requires a change in our culture to recognize that retirement age is an arbitrary number and must be adjusted to respect the choice many make to stay in the work force. (45)As a society we must change our vocabulary and shift the paradigm that life begins to decline once a person enters the fifth decade of life, to life for many is just getting started in the fifth decade. If we replace the word retirement with “transitional phase”, for example it creates a different image in our minds and leaves more room for individual design of that phrase rather than a “one size fits all mentality”.(75)The word retirement leaves no room for variation on that theme in terms of employment and it is very cut and dry… either you are working or you are retired. Why can’t employers work with employees of retirement age to develop a transitional plan that allows the worker to remain productive and the employer to continue to benefit from the knowledge and skills provided by the experienced employee? (68)

What Should a Reference Page Look Like?

There are multiple documents involved in the job-search process: your résumé, your cover letter and your follow-up or thank-you letter. If you haven’t done so already, consider adding one more item to your application package: a reference page. Since prospective employers almost always ask for references, it’s smart to have a list immediately available for them to look over.Employers use a number of strategies to get to know job candidates and make a determination about the candidate’s suitability for employment. Contacting references is a key part of the process. However, listing references on your résumé is a bad idea. It’s better to use every inch of your résumé to showcase your skills and education; putting references down could appear as filler. The best way to share your references is by showcasing them on their own page.A reference page is much simpler to write than a résumé or cover letter, but don’t overlook its importance. This step requires nearly as much thought and analysis. You must use care, thoughtfulness and communicate openly with the people you’ve chosen as your references. More than one person has lost out on a position for failing to properly vet references. While you don’t want to be portrayed as a saint without imperfections, you want to make sure your references share your goal of helping you find new employment, and keep that in mind when speaking to potential employers.The accepted standard is three professional references, such as supervisors and co-workers, and three personal references. Personal references, which allow prospective employers to see another side of you, can be people you know from volunteer activities, church, or school. Avoid choosing personal references that are too personal, like spouses and parents.Once you’ve contacted your references, obtained their approval, and collected their information, you need to create your reference page. Don’t simply type out the information; remember you’re creating a package of documents to represent you to your employer. The same level of care you put into your résumé and cover letter should go into your reference sheet. As a résumé writer, I give the reference page the same heading as the résumé, and use the same font. I use bold text and italicized text sparingly, to emphasize job titles or places of employment, and follow the same format for each reference:NameTitleOrganizationAddressE-mailPhone/FaxAs with your other job-search documents, you want to make sure you proofread, focusing on the contact information for each reference. A misused letter or number could result in missed communication, causing embarrassment for you along with a possibly missed opportunity.Try to view the reference page as one more item to represent you to employers, and give it the same care and attention you give the rest of your application package.