Retirement Blog

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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Tuesday, September 13, 2011 5:10 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning is an almost impossible challenge for an increasing number of Americans. The U.S. poverty rate rose to 15.1 percent in 2010, the U.S. Census Bureau reported today. Those receiving Social Security should look at that number and feel blessed. The census calculates that Social Security is keeping another 20 million people out of

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Monday, September 12, 2011 4:08 pm
By Jennie L. Phipps · Bankrate.com

If you could enjoy your retirement but continue to work occasionally on your own schedule would you want to? One health care system in Michigan is solving its staffing problems by hiring back its retirees. The benefit from its point of view is experienced workers are available to fill the scheduling gaps that usually don’t

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Sunday, September 11, 2011 10:37 am
By Jennie L. Phipps · Bankrate.com

Home health care technology for people who are living in retirement ought to be a business opportunity that’s taking off like a rocket, but that apparently isn’t the case. Consultancy McKinsey & Co. analyzed what they saw as an enormous missed opportunity and offered a few insights that might be useful for those of us

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Friday, September 9, 2011 3:34 pm
By Barbara Whelehan · Bankrate.com

We’re always getting barraged by bad news about how ill-prepared we are for retirement as a nation. Well, here’s some relatively good news: Americans are on track to replace roughly 64 percent of their incomes in retirement. That takes into account current and future savings as well as Social Security, according to chartered financial analyst

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Thursday, September 8, 2011 3:49 pm
By Jennie L. Phipps · Bankrate.com

Estate planning is an important part of retirement planning. My mother-in-law died in January, and we’re still struggling with closing the estate. The holdup is her late husband’s life insurance policy. He died a couple of years before she fell ill, but she never claimed the proceeds of the policy — probably because it wasn’t

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Wednesday, September 7, 2011 4:02 pm
By Jennie L. Phipps · Bankrate.com

It’s hard to understand every aspect of  President Barack Obama’s complex health care reform plan and how it will effect all of us. But it seems clear that there are some aspects of it that provide important benefits to those of us doing retirement planning. If the Patient Protection and Affordable Care Act is repealed,

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Tuesday, September 6, 2011 4:34 pm
By Jennie L. Phipps · Bankrate.com

Solo 401(k)s are a great retirement planning tool for people who have self-employment income. You can save a tax-deferred $16,500 in 2011, or $22,000 if you’re at least 50 years old — or you can make it a Roth plan. Plus, as your own employer, in 2011, you can contribute the lesser of up to

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