Now that America's Senior Citizens' Social Security benefits are not subject to penalty for earning money after age 65, the Senior Job Bank arrives to offer a proven, free and easy-to-use web site for actually 'finding' the perfect employment opportunity through a worldwide source.

Take a look at these statistics:

At age 50:
75% of the population has less than $5,000 in the bank for retirement.

At age 65:
45% of Americans depend on relatives
30% depend on charities
23% are still working (most work until they are no longer physically capable)
Only 2% are self-sustaining.

Many workers look forward to their retirement
as a time to enjoy themselves.

They discuss and plan their retirement as a major event, during which they no longer have to worry about keeping time schedules and appointments. They now have the time to pursue the activities or hobbies they've always wanted to do but never had the time.

They may even sell their homes and/or move into a smaller home. Continuing work might be the furthest thing from their minds, unless, for example, they need extra income or have a strong desire to pursue a new career.

Some senior citizens would like to continue making use of their talents and abilities by working. They feel that they could be useful in helping train younger workers; by performing tasks that require a particular form of expertise; or by continuing the type of work they had been doing before they retired.

Some would like to continue working because the income gives them a greater sense of self-reliance. They prefer remaining as independent of their children and other people for as long as they can. By working, they can earn money to carry out the activities that interest them, such as traveling.

Other senior citizens desire to continue working because they need to augment their retirement income. Otherwise, they might have a difficult time making ends meet at the end of each month. A few senior citizens, for example, worry that they do not have enough savings to live through a crisis such as an illness that might involve a long period of hospitalization. Some might even have to work because their spouses are ill and are in need of medical care; they need the income to help pay for medical expenses.

However, four factors hamper their efforts to find employment:

1. Although many of today’s senior citizens are better educated and better trained than senior citizens of the past, they run into difficulties because companies that hire senior citizens may want them to perform tasks which are repetitive, even menial.

2. Finding employment opportunities has become more difficult for senior citizens. Many companies have cut back on their work force by requiring workers in their late 40s and 50s to take early retirement. Many companies have also begun opening up manufacturing plants overseas in order to cut production costs.

3. In looking for employment, senior citizens must compete with younger men and women who are also looking for work, as well as with other senior citizens.

4. Senior citizens often have difficulty finding employment opportunities that offer them the hours that suit them. Some employers require elderly workers to start work early in the morning, or to work late into the evening. Many seniors, now that they have retired, do not want to work at jobs that require them to wake up early or to return home late.

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