Retirement Blog

Sunday, September 25, 2011 9:59 am
By Jennie L. Phipps · Bankrate.com

Medicare open enrollment comes earlier and ends earlier this year than it has previously. It starts Oct. 15 and runs through Dec. 7. For most people living in retirement, this is the only opportunity to change plans, so even if you are happy with your plan, it can be wise to examine your options and

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Friday, September 23, 2011 6:35 pm
By Barbara Whelehan · Bankrate.com

President Barack Obama’s plan to reduce the deficit by $3 trillion over 10 years includes provisions that would trim the health and retirement benefits of federal employees — military and civilian. Guess what else it would do? It would reduce the amount government pays toward the annual compensation for top executives of publicly traded companies.

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Friday, September 23, 2011 7:02 am
By Jennie L. Phipps · Bankrate.com

The U.S. Census released some of the first statistics from the 2010 count, including population and income information about the population of people older than 60. It provides a snapshot of people living in retirement and the information will undoubtedly be used by many businesses and institutions considering retirement planning issues. There are an estimated

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Wednesday, September 21, 2011 10:02 pm
By Jennie L. Phipps · Bankrate.com

I love talking about retirement and retirement planning with Merton Bernstein, retired law professor and expert on Social Security. He’s gotten grumpier and grumpier about some current attitudes toward Social Security. He thinks many politicians just don’t understand the issues. “It’s stupid politics by my judgment,” he says. Bernstein, 88, who has been a recipient

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Wednesday, September 21, 2011 4:12 pm
By Jennie L. Phipps · Bankrate.com

The U.S. Department of Labor withdrew its proposal yesterday to make investment advisers responsible for the advice they provide to savers in 401(k)s and other workplace retirement plans. The rule change would have required investment professionals to act as fiduciaries, a role that makes them legally responsible to act in the best interest of their

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Monday, September 19, 2011 3:47 pm
By Jennie L. Phipps · Bankrate.com

How much money to save for retirement is a moving target, but making a basic calculation is an exercise that is worth doing — especially if you have time to commit to a savings plan and make up any short falls. Russell Investments, a Seattle-based global consulting and asset management firm, devised a formula primarily

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Saturday, September 17, 2011 9:04 am
By Jennie L. Phipps · Bankrate.com

It looks like there will be a Social Security cost of living adjustment, or COLA, in 2012 — positive retirement planning news for many. Bill McBride, a retired financial executive, blogs at CalculatedRiskBlog.com about economic trends. On Friday, he calculated the early line on Social Security COLAs and concluded that based on Friday’s report from

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Friday, September 16, 2011 3:18 pm
By Barbara Whelehan · Bankrate.com

Last week the nation’s third-largest public pension fund announced it had established a pension abuse reporting hotline. The California State Teachers’ Retirement System’s new hotline enables anyone to anonymously report cases of suspected pension abuse, such as incidents of “pension spiking.” That’s a slick retirement planning maneuver practiced by some public-sector employees to work overtime

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Thursday, September 15, 2011 7:46 pm
By Jennie L. Phipps · Bankrate.com

Growing up, I lived with one of my grandmothers every summer, and during the winter, I lived down the street from the other. Both of them were huge influences in my life. My own children — because of death and distance — scarcely knew their grandparents — a hole in their lives that they probably

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Wednesday, September 14, 2011 4:05 pm
By Jennie L. Phipps · Bankrate.com

I have an ex-husband who spent every penny that he got his hands on, so I understand why 53 percent of married Americans and 69 percent of single people told Charles Schwab when it surveyed them that it is easier to do retirement planning when there is no spouse in the picture. “It’s all about

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