As you grow older, demands on your time change. You're probably retired and your children are most likely grown. Volunteering is a way to fill your time.

To learn more, write for a free publication called "A Guide to Volunteering for Older Americans" (item 638Z). Send your name and address to Consumer Information Center, Dept. 638Z, Pueblo, Colo. 81009.The booklet lists 10 organizations with volunteer programs and includes addresses and phone numbers for state offices providing information on volunteer opportunities in your area.

Volunteers come from all walks of life, with a diversity of interests, skills, talents and abilities. And you can volunteer in any number of ways. The most important step is deciding what interests you. The more you enjoy your volunteer activities, the more personal satisfaction you'll feel.

If you were a teacher, for example, you may decide to work with children with learning disabilities. History buffs may delight in sharing their knowledge and insights with visitors at a local museum.

But you don't have to stick with what you know. Just because you're a former health care worker doesn't mean you have to volunteer in that field. You might just as soon plant flowers in a downtown park or tutor in an adult literacy program.

You don't need to be an expert or have formal training to be volunteer. There are a variety of positions available. Many organizations need help answering phones or filing records. Others may be looking for driver to deliver meals to the homebound, or escort patients to doctor's appointments. You can share your interest in crafts with the residents of a nursing home, or take part in the children's storytime at the library. No matter how you decide to volunteer, your time is sure to be welcomed.

You need to consider how much time you're willing to use doing volunteer work. Do you want to work a few hours each morning, or would all day Saturday be better? Are you volunteering for a specific period of time - say six months or over the summer - or will you be available indefinitely?

You need to find out how your schedule fits with the organization you're volunteering for.

Some other questions you might want to ask:

Will you be given a written job description?

Is liability insurance provided in the event of an on-the-job injury?

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Will you receive training, guidance or additional education?

Do you need a car?

Will you be reimbursed for out-of-pocket expenses?

When you write, you'll also receive a free copy of the "Consumer Information Catalog" that lists more than 200 free and low-cost federal publications on a wide variety of subjects.

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