Retirement Blog

Friday, November 18, 2011 5:24 pm
By Barbara Whelehan · Bankrate.com

The financial industry seems bent on shaming Americans about their retirement readiness — or lack thereof. About a half-dozen new retirement surveys were released this week alone. Fellow retirement blogger Jennie Phipps wrote about one by Ameriprise Financial yesterday and another by Wells Fargo on Wednesday, the latter of which revealed that a quarter of

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Thursday, November 17, 2011 2:03 pm
By Jennie L. Phipps · Bankrate.com

Where you live appears to have some influence on how prepared you feel for retirement. For the second year in a row, Ameriprise Financial surveyed people in the 30 largest metropolitan areas and concluded that overall they are feeling significantly less confident about retirement than they did a year ago. The survey measured: Likelihood consumers

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Wednesday, November 16, 2011 4:30 pm
By Jennie L. Phipps · Bankrate.com

It looks like retirement is no longer all about sea cruises and rocking on the porch. According to new retirement planning research released today, most people think their last decade or two will be spent on the job. About 25 percent of people between the ages of 25 and 75 with household income under $100,000

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Tuesday, November 15, 2011 4:26 pm
By Jennie L. Phipps · Bankrate.com

Here’s an unsettling retirement planning thought. With our own children grown or nearly grown, we may think that our responsibilities have ended for seeing that the school systems are successfully educating young children and high schools are turning out graduates who are prepared for work or further training. But Nicole Smith, senior economist at the

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Monday, November 14, 2011 3:56 pm
By Jennie L. Phipps · Bankrate.com

If you’re feeling nervous about investing your retirement savings in this unstable investment environment, Jerry Golden, who is an actuary as well as a registered investment adviser, thinks you should calm down. He advises people doing retirement planning to remember they are going to get Social Security, and “Social Security is one of very few

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Sunday, November 13, 2011 6:00 am
By Jennie L. Phipps · Bankrate.com

I live in a little town in Michigan, which has been hard hit by the state’s economic problems, making retirement planning a crap shoot for some of its residents. When I went to vote last week, the mayor, who was up for election but running unopposed because nobody wants the job, was standing outside the

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Friday, November 11, 2011 11:00 am
By Barbara Whelehan · Bankrate.com

Got a question or complaint about your workplace retirement plan (or, for that matter, your health plan)? Now you can go to a new consumer assistance Web page, compliments of the Department of Labor’s Employee Benefits Security Administration, or EBSA, and get a reply within three days. Hopefully, it won’t be an automated response like,

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Thursday, November 10, 2011 12:47 pm
By Jennie L. Phipps · Bankrate.com

Remember the first time you heard the Beatles sing “When I’m 64″? When I get older, losing my hair, Many years from now … Will you still need me, will you still feed me, When I’m 64? Paul McCartney wrote it when he was 16 and first recorded it in 1966. I was 15 when

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Wednesday, November 9, 2011 5:29 pm
By Jennie L. Phipps · Bankrate.com

While the congressional supercommittee fights over ways to cut the deficit, the elephant in the room is Social Security, which is 21 percent of the federal budget, but it’s a key part of almost everyone’s retirement planning. Using Social Security’s own actuarial numbers, the National Center for Policy Analysis, a free market-leaning nonprofit, analyzed four

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Tuesday, November 8, 2011 4:37 pm
By Jennie L. Phipps · Bankrate.com

If the recent stock market volatility is driving you crazy, SeekingAlpha.com contributor David Crosetti has some comforting advice. He thinks people on the verge of retirement or already retired should “relax and enjoy the ride.” He says an investor who is 65 years old today can easily meet the 10-year buy-and-hold test because he is

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