Retirement Blog

Friday, January 6, 2012 5:19 pm
By Barbara Whelehan · Bankrate.com

As you prepare for retirement, are you more concerned about money — how to convert your savings into a lifelong income stream — than about the radical change of lifestyle you will experience when you quit your job for good? Apparently, many retirees are having difficulty coping. The January issue of Investment Advisor reveals a

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Thursday, January 5, 2012 2:11 pm
By Jennie L. Phipps · Bankrate.com

For many people who are employed in public service jobs, this year’s retirement planning dilemma is the downsizing of retirement benefits. These cuts usually don’t affect people already retired or retiring soon — although reductions in interest rates and inflation adjustments may. For some public employees close to retirement age, retiring right away will net

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Wednesday, January 4, 2012 5:09 pm
By Jennie L. Phipps · Bankrate.com

The Community Living Assistance Services and Supports Act, or CLASS Act, has been dismissed, but that doesn’t diminish the need to consider long-term care as a part of retirement planning. CLASS was part of the health care reform law. It would have created a national voluntary long-term care insurance program, providing working adults with a

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Tuesday, January 3, 2012 2:15 pm
By Jennie L. Phipps · Bankrate.com

Whenever my husband speaks about fully retiring, he brings up the name of an old friend who hung up his work boots when he turned 65 — without doing an ounce of retirement planning. This man had spent the last 30 years of his life as a top-level corporate executive, working constantly. He retired with

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Monday, January 2, 2012 6:00 am
By Jennie L. Phipps · Bankrate.com

Only 19 percent of small businesses offer their employees a 401(k) or other employee self-funded retirement plan, according to a survey last fall by Nationwide Financial of more than 500 small business owners. A 401(k) savings plan seems like an inexpensive perk — a few hundred to a few thousand dollars for the paperwork. Without

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Sunday, January 1, 2012 6:31 am
By Jennie L. Phipps · Bankrate.com

I got an invitation recently to link on Facebook with someone who, when I was a young pup, considered an old dog. I worked with him more than 30 years ago and believed then that he was way over the hill. Obviously, I was wrong. My Facebook friend is not only still kicking, he’s also

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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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