So here's the new question: "What do you want to do now that you're more than grown up?"

Travel is a common answer, as are catching up on books and movies, exercising and gardening. But a life of golf and gourmet cooking may not be enough for some people of retirement age. Education, volunteering and — believe it or not — more work is what a lot of seniors are pursuing in this second stage.

Adult-education programs are thriving around the country. There are endless options:

*Classes at the local senior center or community center.

*Museum programs.

*Correspondence or on-line courses.

*Degree programs.

*Foreign-language study institutes.

*Computer courses.

*Classes at synagogues or Jewish institutions.

Many colleges and universities offer tuition discounts to persons over age 65. Other schools have special summer programs and have both accommodations and courses for students not necessarily enrolled in traditional degree programs.

Grade schools desperately need older people volunteering in the classroom. But that's not the only place where seniors can add their expertise, skills and wisdom. Hospitals, political campaigns, food banks, museums, parks, theaters, zoos and a host of other organizations in your community could use your help. And, the benefit to you is that you meet new people, add new skills to your personal portfolio and even prolong your life expectancy.

If you're at a loss as to where to donate your time, several organizations can help give you a start:

*National Senior Service Corps (Foster Grandparents, Senior Companions and Retired and Senior Volunteers): Call (800) 424-8867.

*AARP (American Association for Retired Persons) Volunteer Talent Bank: Call (202) 434-2277.

*Points of Light Foundation: Call (800) 879-5400 for a Volunteer Action Center in your area.

*Habitat for Humanity: (800) HABITAT.

*SCORE (Service Corps of Retired Executives): Contact the local office of the U.S. Small Business Association office for information about mentoring small businesses in your area.

*National Association of Partners in Education: Call (703) 836-4880 if interested in tutoring or offer career counseling.

*The Peace Corps: Call (800) 424-8580.

Rejoining the work force, or "unretirement," is a growing trend. Some look for paid employment to enhance their finances; others want to spend less time in the house and find work an essential part of their life.

There are many organizations that can help older job hunters. One is AARP Works, a series of eight job search workshops developed by the Work Force Programs Department of the AARP. Call your AARP regional office for information. For additional resources, call your state or local agency on aging or the Eldercare Locater at (800) 677-1116.