Retirement Blog

Thursday, February 9, 2012 9:23 am
By Jennie L. Phipps · Bankrate.com

The National Association of Home Builders is holding its annual convention in Orlando this week, and one of the major themes is the growth of the age-55-plus market. It’s a bright spot in a business that has been dismal for five years. W. Don Whyte, president of Kennecott Land in South Jordan, Utah, and chair

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Tuesday, February 7, 2012 12:23 pm
By Jennie L. Phipps · Bankrate.com

Sarah Toevs, director of the Center for Aging at Boise State University, calls the baby-boomer bulge “Humpty-Dumpty,” after the egg-shaped population bulge all those births caused. She sees Humpty as a retirement-planning problem of major proportions. For at least a millennium, the population has been distributed with a large base of young people at the

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Monday, February 6, 2012 4:32 pm
By Jennie L. Phipps · Bankrate.com

I grew up in West Virginia in a family where “waste not, want not” was practically a religious tenet. It has taken me at least 50 years to get over the notion that leaving food on my plate isn’t a sin. So I found the study that retirement services provider ING US released last week

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Sunday, February 5, 2012 6:00 am
By Jennie L. Phipps · Bankrate.com

Last week, the U.S. Treasury Department proposed changing Internal Revenue Service rules to make it easier for people saving for retirement — or actually living in retirement — to use some of the money in their 401(k)s to buy annuities that guarantee monthly payments until they die. These changes are a real retirement-planning boon. Here

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Friday, February 3, 2012 5:01 pm
By Barbara Whelehan · Bankrate.com

401(k) fee disclosures have been delayed once again. A couple of years ago, we were promised that by January of 2012, we would be told how much our 401(k) plans cost. Then last July, the Department of Labor issued a final regulation, postponing the effective date for 401(k) fee disclosure to April 1 of 2012

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Thursday, February 2, 2012 4:01 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning gurus often say flatly that you MUST replace 80 percent of your income and you can ONLY spend 4 percent of your nest egg annually. These are great rules of thumb, but for some people, they don’t make a lot of sense. I propose a different rule, one that works for almost everyone 

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Wednesday, February 1, 2012 12:30 pm
By Jennie L. Phipps · Bankrate.com

If Medicare is a vital part of your retirement planning, pay attention to what is happening with the fight over health care reform. In November, the U.S. Supreme Court agreed to consider the constitutionality of the Patient Protection and Affordable Care Act, better known as health care reform or ObamaCare. The court will decide three

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Tuesday, January 31, 2012 3:33 pm
By Jennie L. Phipps · Bankrate.com

Hurray for the Pension Benefit Guaranty Corp., the federal pension insurance agency that protects consumers from losing their corporate pensions. The PBGC  isn’t rolling over and accepting bankrupt American Airline’s move to dump its pension obligations on the PBGC. Instead, the PBGC filed liens today against American Airlines after the airline failed to make all

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Monday, January 30, 2012 5:22 pm
By Jennie L. Phipps · Bankrate.com

I heard a retirement planning horror story this morning, and I’ll share it with you. Because the law changed this year, making things simpler and more financially advantageous for employers, more companies with frozen defined benefit retirement plans are offering employees and former employees a lump-sum payout. If you decide to accept their offer –

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Sunday, January 29, 2012 6:00 am
By Jennie L. Phipps · Bankrate.com

If you are old enough to be worried about retirement planning, then you already know women are different than men. Ameriprise Financial has been studying that truth, and it has come up with at least five ways women plan for retirement differently than men. None of them should surprise you. Women want to stay close

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