Retirement Blog

Friday, December 30, 2011 3:29 pm
By Barbara Whelehan · Bankrate.com

Are the American people hard and tough about their personal finances, or soft and flabby? Are they taking control of their financial lives or letting them spiral out of control? As we face the New Year, there’s no better time to do a self-assessment and make some resolutions. In recent weeks, several financial companies took

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Thursday, December 29, 2011 12:50 pm
By Jennie L. Phipps · Bankrate.com

I was listening to a video aimed at human resources personnel whose job in 2012 is to help employees understand their 401(k)s and other retirement planning topics. The speaker was totally focused on this niche audience, but at least some of what he had to say is useful for the rest of us as we

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Wednesday, December 28, 2011 10:48 am
By Jennie L. Phipps · Bankrate.com

My greatest fear is that I will lose my marbles and that every day will be a new adventure. There was a study not long ago that suggested that as we age, we lose the ability to manage money. The implication was that by the time we are a couple of decades into retirement, we

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Tuesday, December 27, 2011 4:04 pm
By Jennie L. Phipps · Bankrate.com

If you want a great retirement plan, become a Southwest Airlines pilot. It grabbed the top spot on the list of the 30 best 401(k) plans rated by BrightScope, a company that analyzes corporate retirement plans. Companies were ranked by how quickly employees are able to save enough to retire. Retirement is defined as accumulating

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Monday, December 26, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

If you think you and your spouse are the only couple who don’t see eye to eye about retirement, don’t feel so special. A new study for Fidelity Investments found that most couples have major retirement planning disagreements. The study found: Forty-seven percent of couples approaching retirement don’t agree on whether they will continue to

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Sunday, December 25, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

My husband and I are at the beach for the holidays. We thought it would be just us this year because our kids were all planning to do something else — like visiting their in-laws or working. Frankly, we weren’t unhappy about their plans. For the last couple of years, we’ve gone to great lengths

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Thursday, December 22, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

So much of the promotion and advertising surrounding retirement focuses on scaring baby boomers straight, persuading them that they need to save money and buy insurance — or else. It’s a constant barrage of negativity. That’s why Prudential Financial’s new ad campaign — on TV, on billboards and online — is so appealing. Prudential’s retirement

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Wednesday, December 21, 2011 2:27 pm
By Jennie L. Phipps · Bankrate.com

Being poor isn’t part of anybody’s retirement planning, but it happens, and for those people, government programs are key to surviving in retirement. One of the programs left hanging by the high-stakes game of chicken that Congress is playing is a fund called QI, short for Qualified Individual, that pays Medicare Part B premiums for

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Tuesday, December 20, 2011 3:42 pm
By Jennie L. Phipps · Bankrate.com

If you have a special needs child, grandchild or other loved one you plan to give a significant gift to this holiday or as part of your retirement planning, Shomari Hearn, a certified financial planner with Palisades Hudson Financial Group’s Fort Lauderdale office, advises that you give these gifts carefully. Hearn, who is an expert

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Monday, December 19, 2011 5:01 pm
By Jennie L. Phipps · Bankrate.com

The unemployment rate for people older than 55 is 7.3 percent — relatively low compared to that of younger people, but a recent report from the Congressional Research Service said once older people have lost a job, it is hard for them to find another. About 50 percent of out-of-work people older than 55 have

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