The following commentary comes from an independent investor or market observer as part of TheStreet's guest contributor program, which is separate from the company's news coverage.NEW YORK ( TheStreet) -- Need to work longer before retiring? Older worker, beware! A bull's-eye is being stenciled on your back. This can put a crimp in the best-laid plans. Fifteen percent of the unemployed are over 55. Of those out of work for more than a year, the over 55 represent 45%. This means only about 10% have found another job. These lucky workers though may not be dancing in the streets because most have taken wage cuts.