Retirement Blog

Tuesday, May 31, 2011 3:56 pm
By Jennie L. Phipps · Bankrate.com

Should Congress put limits or even completely do away with the tax incentives that make saving within a 401(k) or some other tax-advantaged retirement plan attractive in order to cut the deficit? The Congressional Joint Committee on Taxation and the Treasury Department’s Office of Tax Analysis conclude that these retirement planning programs will cost the

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Monday, May 30, 2011 3:00 pm
By Jennie L. Phipps · Bankrate.com

Traditional defined benefit pensions, which for most of the last century were a fixture of American life, are about to become a relic of the past. The Standard & Poor’s 500 reported Thursday that among its companies, pensions and other post-employment benefits remain underfunded by $210 billion. “Even with a 15 percent  equity return and

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Saturday, May 28, 2011 7:00 am
By Jennie L. Phipps · Bankrate.com

My grandma was 65 when I was born. With her white hair in a bun, black lace-up shoes and an apron covering her cotton house dress, I thought she was ancient. Although she lived to be 94, her retirement was narrowly defined by a meager income and attitudes that kept her close to home. Today’s

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Friday, May 27, 2011 1:07 pm
By Barbara Whelehan · Bankrate.com

At a minimum, most people have some retirement expectations. Higher up are retirement hopes and dreams. At the helm are retirement fantasies, which are like dreams in a runaway car with no brakes to stop them. I asked my husband where in the world he would want to retire outside the U.S., and his answer was

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Thursday, May 26, 2011 2:03 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning is a challenge worldwide. The world’s population of people older than 65 will increase from 550 million today to more than 1.4 billion by 2050, according to a report by HSBC Bank published today. The white paper also said that people everywhere have blinders on about this issue. They know they are going

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Wednesday, May 25, 2011 3:39 pm
By Jennie L. Phipps · Bankrate.com

The Great Recession combined with the onslaught of aging baby boomers is causing a lot of people to delay retirement, and ultimately, that is likely to have a huge impact on our economy, points out a study released this morning by the nonprofit economic research firm, The Conference Board. Researcher and lead author Gad Levanon

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Tuesday, May 24, 2011 2:25 pm
By Jennie L. Phipps · Bankrate.com

Today is Bob Dylan’s 70th birthday. His songs helped shape my life. I know exactly where I was when I first heard many of them. The lyrics still figure into how I look at the world. But I think it is time for Bob to quit touring. He never had a melodic voice — it

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Monday, May 23, 2011 3:24 pm
By Jennie L. Phipps · Bankrate.com

As part of our retirement planning, my husband and I are designing a new home. We’re including a couple of offices because I’ve worked from a home office for 15 years, and my husband contemplates working from home when he finally retires from his full-time job — if that ever happens. My husband will be

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Sunday, May 22, 2011 7:00 am
By Jennie L. Phipps · Bankrate.com

The British are considering a 140-pound weekly per person, flat-rate pension available at age 66 to almost all residents of the UK – you wouldn’t even have to be a citizen. It would replace a much more complicated retirement system that required 30 years of contributions and very unpopular means testing. If you convert 140 pounds to

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Friday, May 20, 2011 2:31 pm
By Barbara Whelehan · Bankrate.com

By now you’ve heard that judgment day is at hand. The rapture is scheduled to unfold on Saturday, May 21. And with all the natural disasters and global political unrest we’ve had lately, it doesn’t seem so far-fetched. In preparation for this event, I have made no retirement planning changes whatsoever. In fact, I expect to

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