Retirement Blog

Thursday, December 9, 2010 4:20 pm
By Jennie L. Phipps · Bankrate.com

Ward Carroll, editor of Military.com, graduated from the United States Naval Academy and spent the better part of 20 years in the back seat of a Naval jet (picture Goose in “Top Gun”) before leaving the Navy in 1998 to take a job as a GS-13. It was a real letdown for a guy used

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Wednesday, December 8, 2010 4:39 pm
By Jennie L. Phipps · Bankrate.com

When I got out the holiday decorations, I found some pictures of my grandmother baking bread. They were shot sometime in the early 1970s, a few years before she died at 94 in a nursing home, complaining with every breath. It was hard on her, and hard on the rest of us who didn’t have

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Tuesday, December 7, 2010 4:48 pm
By Jennie L. Phipps · Bankrate.com

Minneapolis tops the list of the nation’s 30 largest metropolitan areas in terms of retirement readiness, according to a retirement planning survey released today by Ameriprise Financial. The survey measured the likelihood of residents in each metro area to have considered how much money they’ll need to save for retirement and how effective they say

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Monday, December 6, 2010 4:01 pm
By Jennie L. Phipps · Bankrate.com

The first decade of the 21st century is ending. Like it or not, you’re not getting any younger. Here are six retirement planning steps to take before 2011. No procrastinating! 1. Get the full 401(k) match from your employer. Before you get that last paycheck of the year, call HR and tell them to move

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Sunday, December 5, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

The deficit reduction panel, otherwise known as the National Commission on Fiscal Responsibility and Reform, released its final recommendations this week. One of the things it took aim at is tax-advantaged 401(k) savings accounts, an important part of most people’s retirement planning. The proposal would: Consolidate retirement accounts (401(k)s, IRAs, SEPs, etc., into one retirement

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Friday, December 3, 2010 3:17 pm
By Barbara Whelehan · Bankrate.com

“The Moment of Truth” has rattled a lot of special interests. That’s the name of the final report issued Wednesday by the Debt Commission. Eleven of the 18-member National Commission on Fiscal Responsibility and Reform cast their votes in support of the plan this morning, short of the 14 votes needed to issue a formal

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Thursday, December 2, 2010 4:54 pm
By Jennie L. Phipps · Bankrate.com

It’s hard for most of us to get a grip on how important it is to save for retirement, especially when retirement is 30 or 35 years away. Tom Totten, CEO of Nyhart, an actuarial and employee benefits consultancy based in Indianapolis, experimented with ways to get employees of one of his clients to understand why they

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Wednesday, December 1, 2010 4:52 pm
By Jennie L. Phipps · Bankrate.com

Working longer seems like a simple way to stretch retirement resources, but a lot of people obviously find this an unacceptable retirement planning option. At least, it appears that way based on a very unscientific measurement: the number of posted comments and e-mails I get every time I suggest it. Richard Johnson, senior fellow at

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Tuesday, November 30, 2010 3:30 pm
By Jennie L. Phipps · Bankrate.com

Estimates of retirement health care costs are daunting. Better factor them into your retirement planning. No matter who is doing the estimating, the bottom line is similar — about $250,000 for a couple retiring at age 65 and relying on Medicare, plus Medigap insurance. I broke the specifics down earlier this year, but here’s an

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Monday, November 29, 2010 4:44 pm
By Jennie L. Phipps · Bankrate.com

Now’s a good time to examine your 401(k) as the year ends and you get one year closer to retirement. Scott Holsopple, the CEO of Smart401k, a firm that works with individuals and employers, offers these suggestions for anyone managing a 401(k): Review your retirement accounts. How much have you saved so far? Review your

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