Retirement Blog

Tuesday, September 14, 2010 2:51 pm
By Jennie L. Phipps · Bankrate.com

Here is some high-end retirement planning advice — for people who are going to pay through the nose when the government gets done with tax reform. Cash-balance retirement plans aren’t for everyone, but if you own a small business or are a self-employed, high-earning professional, a cash-balance plan will let you put aside the most

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Monday, September 13, 2010 2:45 pm
By Jennie L. Phipps · Bankrate.com

Beetle Bailey mustered into the army 60 years ago this month. He’s still a private, still taking guff from Sarge, and his creator Mort Walker says neither he nor Beetle is likely to fade into retirement anytime soon. Walker, who turned 88 a few days ago, has been drawing the perpetual private since he was

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Sunday, September 12, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

A veteran’s retirement benefit called Aid and Attendance has been around for nearly 60 years, but is largely overlooked and could be a great retirement planning tool for people who don’t think they can afford long-term care insurance. Any veteran who served at least one day during World War II, the Korean conflict, Vietnam or

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Friday, September 10, 2010 4:47 pm
By Jennie L. Phipps · Bankrate.com

Today is National 401(k) Day. If you run out to buy a card, make it a sympathy card because the advent of the 401(k) as a primary retirement savings plan is nothing to celebrate. The 401(k) will turn 30 in January 2011. It was devised as a way for workers to augment conventional, defined-benefit plan

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Thursday, September 9, 2010 3:07 pm
By Jennie L. Phipps · Bankrate.com

You have a retirement savings account at work and every time you look at it you groan. Join the club. The brave new world of being your own retirement planning strategist can be ulcer-producing. Take it a step at a time. The first step toward smart retirement planning is opening a retirement savings account and

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Wednesday, September 8, 2010 3:54 pm
By Jennie L. Phipps · Bankrate.com

Sometimes, the best  retirement planning goes haywire. And sometimes that’s not such a bad thing. Over Labor Day weekend, I waved hello to my Detroit-area neighbor and remarked that I hadn’t seen much of him. He said that’s because he’s gone back to work after officially retiring in June 2009. My neighbor’s employer ran into

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

When Congress comes back into session in two weeks, the debate over tax rates promises to dominate political discussions through the end of the year. One of the hottest issues for anyone involved in retirement planning is the proposed increase in the tax rate on dividends. If Congress doesn’t intervene, dividends, which are now taxed at

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Tuesday, September 7, 2010 9:38 am
By Barbara Whelehan · Bankrate.com

Should you invest in a Roth or traditional? Whether we’re talking about a Roth IRA vs. a traditional IRA or a Roth 401(k) vs. a traditional 401(k), it’s not a slam-dunk decision because the benefits aren’t immediately apparent. With a Roth IRA or Roth 401(k), you invest after-tax money. It grows in the account and

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Tags: 401k, IRA, Roth, Roth IRA
Monday, September 6, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

This Labor Day survey is an inspiration for anyone focused on retirement planning. Extend Health, which helps companies advise employees on Medicare supplement plans, surveyed 471 retirees. Here’s what they learned. What do you love about retirement? I can do what I want with my time, 43 percent I don’t have the stress that was part

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Friday, September 3, 2010 12:44 pm
By Jennie L. Phipps · Bankrate.com

Lending money to your children can be a valuable part of retirement planning because it can help a family and avoid gift and estate taxes, according to Jonathan Bergman, vice president of Palisades Hudson Financial Group, a financial planning and investment firm in Scarsdale, N.Y. Let’s say your son and daughter-in-law are contemplating buying a

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