paycheck

Increasingly more Americans are working past the age of 65. At Vita Needle Co. in Needham, Mass., nearly half of the employees are senior citizens, some working in the factory even into their 90s.

For the seniors, work gives them a sense of purpose. For the company, hiring seniors is good business.

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Sales at That's My Room in Salt Lake City have slowed to less than $5,000 a month. Despite making cutbacks, the owners say, they haven't taken a paycheck since the store opened a year and a half ago — right when the recession hit.

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Jonathan Clements, author of a new book about helping ordinary people make money, says financial advice is often too narrowly focused on stocks, bonds and mutual funds without considering the individual's entire financial life.

A job with a regular paycheck, he says, is like getting interest from a bond.

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