Retirement Blog

Wednesday, September 22, 2010 3:50 pm
By Jennie L. Phipps · Bankrate.com

I told my husband last night that I was going to write about ex-spouses being able to claim Social Security benefits on their ex’s work record and he got pale. But here’s some retirement planning good news. It wouldn’t cost my husband any money whatsoever if his ex-wife filed for Social Security based on his benefits.

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Tuesday, September 21, 2010 5:21 pm
By Jennie L. Phipps · Bankrate.com

A lot of the talk  about retirement planning focuses on big dollars — $1 million 401(k)s and maxing out Social Security by holding out until age 70, when you could potentially collect nearly $50,000 per year. For most people, retirement doesn’t work out this way. According to the U.S. Census Bureau, in 2008, the median

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Monday, September 20, 2010 4:12 pm
By Jennie L. Phipps · Bankrate.com

70-year-old Dodger manager Joe Torre is walking away from his job with no new offers in sight. “It’s a decision you make without a safety net,” he told the national press. He says he’s healthy and willing to work, but we know the market for 70-year-olds isn’t great, even for those who are nine-time baseball

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Sunday, September 19, 2010 10:00 am
By Jennie L. Phipps · Bankrate.com

About two-thirds of America’s grandparents have give financial support to their grandchildren in the last five years — 40 percent for general uses and 26 percent for education, says recent research from the MetLife Mature Market Institute. The poll found that the less money people have, the more likely that they are going to be spending

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Friday, September 17, 2010 2:07 pm
By Jennie L. Phipps · Bankrate.com

Disability throws a wrench into many people’s retirement planning. Three in 10 workers will become too disabled to work before they are ready for retirement, the Social Security Administration calculates. A study by Northwestern Mutual, which sells annuities and disability insurance, finds that a two-year disability at the age of 50 can reduce total investment

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Thursday, September 16, 2010 3:13 pm
By Barbara Whelehan · Bankrate.com

This week a lot of the retirement news involved gigantic, scary numbers. On Wednesday morning, the crew on CNBC’s Squawk Box broke the news that American workers are $6.6 trillion short of what they need to retire. That number assumes a 3 percent rate of return on assets, no changes in pension coverage and no

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Wednesday, September 15, 2010 3:02 pm
By Jennie L. Phipps · Bankrate.com

Insurers are pushing hard for the inclusion of annuities in employer-sponsored retirement plans. This week, representatives from all the largest insurance and other financial service companies are testifying before  the Labor and Treasury departments on whether new laws should encourage an annuity option in 401(k)s. Spokesmen for MetLife and Prudential Financial made the case that

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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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