Retirement Blog

Friday, June 25, 2010 10:25 am
By Barbara Whelehan · Bankrate.com

I’m at the Morningstar conference, trying to get a sense of the outlook for the markets, the economy and where to put money. Hundreds of financial advisers from around the country attend the conference. The overcast skies in Chicago seem to affect the moods of several speakers, mainly money managers. Jeff Gundlach of DoubleLine Capital

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Tuesday, June 22, 2010 10:03 am
By Barbara Whelehan · Bankrate.com

Besides the first letter of the Greek alphabet, alpha is a highfalutin term bandied about by geeky financial types. It’s a risk-adjusted measure of excess return on an investment. Investors who believe they can beat market indexes — in other words, most mutual fund managers — strive for alpha. An article called “Playing the right

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Friday, June 18, 2010 9:56 am
By Barbara Whelehan · Bankrate.com

In preparation for Father’s Day, the National Foundation for Credit Counseling sent out a release stating that 41 percent of Americans learn personal finance skills from their parents. That stat comes from its 2010 Financial Literacy Survey. My parents have opposite money personalities, and I’ve learned from both of them. The other day my dad,

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Tuesday, June 15, 2010 2:04 pm
By Barbara Whelehan · Bankrate.com

I recently received an article called “The Year of the Roth” by Terry Coxon of Casey Research┬áthat cites all the pros of doing a Roth conversion. But toward the end it gets into a discussion about something called an “open opportunity IRA” that lets you cut your tax bill by a huge margin. Here’s how

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Friday, June 11, 2010 2:39 pm
By Barbara Whelehan · Bankrate.com

What’s the biggest source of tension in a relationship? Three in 10 couples cite money as the main stressor, well ahead of the usual suspects: intimacy (11 percent), children (9 percent) and in-law conflicts (4 percent), according to the latest American Express Spending & Saving Tracker survey. But the most surprising thing to me is

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Tuesday, June 8, 2010 2:10 pm
By Barbara Whelehan · Bankrate.com

While consumers take steps to rein in their own debt levels and shore up their savings, the U.S. continues wending its way on the path to profligate spending, as if there’s no tomorrow. The media have brought to our attention that the national debt recently passed the $13 trillion threshold. But David Walker, who served

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Tags: Debt, Taxes
Friday, June 4, 2010 12:00 pm
By Barbara Whelehan · Bankrate.com

We watch in horror as BP officials try one solution after another to stem the Deepwater Horizon oil gusher in the Gulf. At the same time, some rather callous investors are asking: Is this a good time to buy BP? True, the stock closed yesterday at $39 and change, down significantly from its pre-crisis level

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Tuesday, June 1, 2010 2:55 pm
By Barbara Whelehan · Bankrate.com

Have you noticed that the financial Cassandras are out in droves, sounding shrill warnings of imminent disaster? They say you’re delusional if you believe we’re in an economic recovery. Or, you’d better liquidate right now unless you’re prepared to get flattened in yet another stock market crash that promises to be worse than the last.

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Friday, May 28, 2010 12:51 pm
By Barbara Whelehan · Bankrate.com

Back in 1973, I took a year off after graduating from high school to work in downtown Chicago. The human resources person reeled off the benefits at the title insurance company where I was hired as a clerk typist. “And we have a pension plan,” she said. My eyes glazed over and I remember thinking,

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Tags: 401k, pensions
Tuesday, May 25, 2010 3:31 pm
By Barbara Whelehan · Bankrate.com

The issue of 401(k) fees is in the spotlight again. A 401(k) fee disclosure provision has been added to the new stimulus bill, the $190 billion American Jobs and Closing Tax Loopholes Act that the House is supposed to vote on this week. Among other things, the new jobs bill extends unemployment insurance to nearly

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Tags: 401k, Investing
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