Retirement Blog

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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Friday, November 26, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

Thursday — before Thanksgiving dinner — I read the results of a survey of Canadians that concluded they were better prepared financially for retirement than they were emotionally. The survey by Investors Group concluded that: Only 20 percent of working Canadians 45 years and older have a strong commitment to activities outside of work. 30

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Wednesday, November 24, 2010 3:00 pm
By Barbara Whelehan · Bankrate.com

My husband and I have a favorite place in the whole wide world. It’s our own backyard. On weekends, weather permitting, we sit on the porch swing, enjoying a view of natural preserve and marshland, partially obstructed by scrub palms. We observe cardinals darting in and out of the scrub brush, and listen to the

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Wednesday, November 24, 2010 9:49 am
By Jennie L. Phipps · Bankrate.com

Prudential Retirement, which manages 401(k)s for 3.7 million employees, announced this week that it is adding an FDIC-insured savings option to its plans. The Federal Deposit Insurance Corp., or FDIC, insures bank checking and savings deposits up to $250,000 in most circumstances. The FDIC doesn’t insure the sorts of investments most likely to be found

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Tuesday, November 23, 2010 4:20 pm
By Jennie L. Phipps · Bankrate.com

Between now and Dec. 31 is open enrollment for Medicare. It’s a time for Medicare recipients to make changes in their plans. I’m also using this as an opportunity to talk about Medicare enrollment for new recipients, because many of the concerns are the same. I covered most of the important stuff yesterday, but I

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Monday, November 22, 2010 4:30 pm
By Jennie L. Phipps · Bankrate.com

The annual Medicare open enrollment started last week and runs through Dec. 31. Thinking about Medicare at this time is a retirement planning essential for anyone 65 or older. Here’s how to get your Medicare benefit right: Sign up on time. While initial sign up for Medicare doesn’t have a lot to do with open

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Sunday, November 21, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

I live in Detroit where practically everybody I know is entitled to a big pension. As someone who has been self-employed for the last 14 years, a substantial pension paycheck isn’t part of my retirement planning, and frankly, I’ve been a little jealous. According to a report from Investment Company Institute, my envy is misplaced.

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Friday, November 19, 2010 11:39 am
By Barbara Whelehan · Bankrate.com

We must be vigilant about our retirement accounts, protecting them from nefarious forces that threaten to inflict damage. Whether these forces involve market turbulence, fraudulent advisers or unfortunate circumstances such as job loss, it behooves us to keep careful watch over our assets. The U.S. Department of Labor reminds us this week that we shouldn’t

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