1.Whether you take early retirement or get laid off, if you are not financially or emotionally ready to fully retire, there are several ways to respond positively.

  1. We have had many layoffs in Houston over the last year or so, journalist Chris Tomlinson talked with Scott Bishop about it in this article Found in The Houston Chronicle.

2. Should you consider working for yourself and/or becoming a consultant?

  1. Do you want to be self-employed - What are the Advantages and Disadvantages?
  2. How do you set an hourly rate or charge for services?
  3. Do you need to incorporate - How should you choose an entity?
  4. What are the tax issues (or tax benefits) from being self-employed, and what is Self-Employment Tax?
  5. What are your options for self-employed benefit retirement plans or pension plans?

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