Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

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Real reasons why elderly don't retire

Q.. I get so angry with older workers around here because they should retire and then we'd get promoted, but they stay on. Some are pushing 70 and no one's told them to leave. I know their 401ks have shrunk and they're worried they'll need the money, but shouldn't someone in Human Resources tell them to leave?

Ans. It's possible those senior workers are more efficient, productive, and disciplined than some of the younger people on the staff and management is satisfied with their work and feel their presence benefits the company. Also, it's not just their 401ks and retirement packages that are smaller. Many of them had hoped to sell their homes at great profit and add that to their retirement income. Also they too thought good times would continue and they didn't save as much as they would have without the boom-and they too used credit cards far beyond their ability to pay that debt. One more thing to consider is that many of those men had a mid-life crisis, left their wives, married younger woman and started new families. Now they're facing college bills for those later kids. So cut them some slack. They have to work too and they're not happy about the situation either.

Pass deceased wife's business to son

No such thing as a foolish question