Is Your Career Still on Target?

After working for most of your adult life you may be asking yourself, “Now what do I do for fun?” Many of us have already stopped at this crossroad and are still looking for the answer. Well, I found the answer for some of us, that is, I found someone who can help find the answer. Her name is Jane Trevaskis and she has spent most of her adult life finding answers for other people, redirecting human interest, and lately wrote a book titled,” Is your career still on Target?” After hearing about the book (in progress) about a year ago, I was anxious to get my hands on a copy and see what all the buzz was about.

The book is written in a workbook style with exercises in research, personal interviews with yourself and friends, a polite way of getting you to write down your strengths and weaknesses, followed up with how to negotiate in today’s job market and finally what to do after your hired. As you go through the workbook you will find some outstanding resources for help with your particular interest.

So, if you’re about to change careers or have been out of the work force for awhile, this quick study work book could help you identify your wisdom areas and get you back in the game. You can order the book from her web site http://www.career-on-target.com and as a gift you’ll receive a free half hour session with Jane to help set up your next career path. Jane Trevaskis can be reached through her web site http://www.success-catalyst.com/ for additional coaching information and to consult with her about your next move.

Other readings about the job market for the 50+ crowd.

AARP 2005 Best Employers

Senior Job Bank

Business Week

REVERSE MORTGAGES – Introduction

REVERSE MORTGAGES – Introduction

Older homeowners can tap into more of the equity in their homes with a reverse mortgage. If you're 62 or older you can use a reverse mortgage to tap into some of the equity in your home in the form of a loan without having to sell or give up title. Why would the older homeowner want to do this?

1) Needs to: retrofit the home to stay in it, cash to pay bills, add on an addition for visiting family to use or house a caretaker and other needs.
2) Enhanced lifestyle – funds are used to purchase things like a Recreational Vehicle, houseboat, or even a motorcycle.

The best feature: The loan doesn't have to be repaid until you move, sell or upon your death. When the loan is repaid, any remaining equity is distributed to you or your estate if deceased. In addition, the repayment amount can never exceed the value of the home. And because the money received is in the form of a loan, it's not considered taxable income, which means it won't affect your Social Security or Medicare benefits.

Borrowers can take the loan in the form of:
1) A line of credit, a lump-sum payment,
2) Fixed monthly payments or,
3) A combination of the above.


The amount of money you can borrow depends on your age, the current interest rate and other loan fees. It also takes into account the appraised value of your house and the mortgage limits for your area set by the Federal Housing Administration.

To determine how much you could borrow or just to learn more, read about it on these websites:
http://www.reversemortgage.org/
http://www.aarp.org/revmort

Information provided by:
H. Duane Cunningham
First Horizon Home Loans
Direct Line: (703) 728-4219
20098 Ashbrook Place # 250
Ashburn, VA 20147
www.firsthorizonusa.com/duanecunningham