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Part-time job during retirement is growing trendne of the things you might want to retirement nest egg or at least delay starting tothey were at the peak of their career and earn-consider during your first year of retire-withdraw savings creates an economic motiva-ing power.Oment is to get a job.tion to continue to work.Many companies found it economicallyDollarsWorking during retirement years is a grow-Many people who plan ahead for retirementadvantageous to terminate an expensive mature&ing trend that will likely continue. And there have the idea of continued employment. Oftenworker and hire one or two younger employeesare many good reasons for it.that is part-time but it could also be full-timeat a lower wage. SenseFor past generations the accepted retire-with less responsibility.Now someone in their 60s would like toment age was 65 years. It wasnt so much the Working part-time fits nicely with the cur-work but is not necessarily earning top dollarBy Petter Watsonage as it was workers entering their twilight rent job market. A recent report called Insideand assuming the stress of a high paying posi-years. They were starting to slow down.the Labour Market Downturn covers Canadastion.Many of todays retirees are far more youth-changing employment situation. It details howEmployers may be attracted to 60 year oldsful. More interests, more energy and many When winter starts and friends return to the job market recovered from the pre-reces-because they are qualified, experienced, andmore years to live.work, there is nothing to do. Suddenly they are sion level of late 2008 in just 27 months.self-motivated. By relative standards they areAccording to Statistics Canada the average bored. They miss the social interaction, the This job recovery was significantly fastermore flexible and less expensive than middle65 year old man will live to age 81 and women challenges and the satisfaction from employ-than after the recessions of the early 1980s andaged workers.to age 85. Ten per cent of 65 year old men will ment. early 1990s. And a trend has emerged that sup-So there is logic for companies to hirelive to age 91 and for women 10% will live to From a financial planning perspective there ports the kind of employment retirees oftenretirement age part-time workers. In theage 96. is an economic motivation to return to work. look for. future, individuals planning for retirementSuddenly life is a lot longer than you imag-Many have developed expensive lifestyles Full-time jobs are shifting to part-time. Formay start building in a part-time job that helpsined.requiring continued cash flow. a retired, or more correctly a semi-retired per-them with the financial and social aspects of Fidelity Investments Canada is tracking Combine that with the recent decline of son that is perfect. They continue to worktheir life.retirement trends and they have found spring peoples investment portfolios as a result of the while still having adequate leisure time to Submitted by Peter Watson,MBA, CFP,to be the perfect time to retire. Outside activi-recession and many want to have an additional enjoy other aspects of life.R.F.P.,CIM,FCSI. In 1991, Peter founded Peterties like gardening, going to the cottage or source of income during their retirement Semi-retired part-time workers might findWatson Investments in Oakville. Peter can beplaying golf are wonderful options to replace years.they are more competitive in the work placereached at 905-842-2100 or visit the websiteyour job.The possibility of adding more to your compared to their later working years whenat www.peterwatsoninvestments.com. Hopedale Shopping Centre 1515 Rebecca StreetSuite 220, 2nd FloorDr4RVBSF 0OF t 1PSU $SFEJU. Rosenblat905-827-0301D.D.S.OakdaleDental.ca&SJO .JMMT t 0BLWJMMFThere are so many tooth whitening products for sale, Q:1-800-338-2283how can I choose one that works best?Susan Leungwww.educate.comTooth whitening has really taken off in the past few A:Certified Teacher/Directoryears and you can sure tell by the many new products coming out all the time. They all work in the same way; peroxide is used to bleach out the colour of your ow do I Make the Most, Academically, of My Childs teeth. The difference is how it is applied to the teeth Qpring Break?and their strength and effectiveness. The bleach has to be in contact with your teeth for a period of time to thin 24 to 48 hours after learning new concepts, students often begin to forget work, so obviously tooth whitening toothpastes wont do much and can be very abrasive and wear down teeth ormation unless it is reinforced or applied immediately. Thats why, during A(smokers toothpastes). There are also paint on and strip school breaks, even the best students forget lessons they have learned duringapplying types. But these are all less concentrated and the school year. therefore slower and less effective and messier than the professional dental whitening systems we use for While a break from school is great for recharging your childs batteries, if studentspatients. And be warned, not all colours bleach out well arent using the skills they acquired at school, they could find themselves laggingand any crowns and fi llings will not change colour. behind once school starts again. Sylvan Learning offers great ways to help yourRegardless of what whitening method you use over time child continue to learn when away from the classroom.there will be a slow reversal of the whitening, especially if you smoke or drink coffee or tea. Thats why we offer Writing- encourage your child to start a diary or write letters to a grandparent to all our new and existing patients for this March only, or friend.the option to join our new Whitening for Life program. This allows patients to keep their teeth their brightest Mathematics - grocery shopping or cooking can reinforce measurement, money and whitest at no additional cost once we have whitened and computational skills. their teeth professionallly. (there are some conditions).Reading - At www.BookAdventure.com, children (K-8) create personalized books Whatever way you choose to whiten your teeth, have a lists from more than 7,500 recommended titles, take quizzes, and redeem points dental checkup fi rst, so you wont be disappointed.for prizes. The program is designed to motivate students to read more often, for To learn more about our Whitening for Life program longer periods of time, and with greater understanding.call us at 905-901-1929 For additional educational resources and Spring Break Programs please visit Dr. Steven Rosenblatwww.SylvanLearning.com or call905.469.6353Great things start with a smile!If you have any questions these professionals can answer, please write to: Ask the Professionals c/o The Oakville Beaver, 467 Speers Road, Oakville L6K 3S4 or fax to: 905-337-5568www.insideHALTON.com OAKVILLE BEAVER Thursday, March 3, 2011 16