Retirement Blog

Wednesday, August 17, 2011 3:30 pm
By Jennie L. Phipps · Bankrate.com

The financial repercussions of the Great Recession will last into retirement for many people because their retirement incomes are inextricably linked to the amount of money they earn in their working years. Everything from old-fashioned defined benefit pensions to balances in 401(k) plans as well as Social Security is tied to pay. The Urban Institute,

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Tuesday, August 16, 2011 1:41 pm
By Jennie L. Phipps · Bankrate.com

If you’re trying to sell to baby boomers or persuade boomers to see things your way, the worst thing you can do is to make them feel old. It’s a fact of life that banks, financial advisers, health care providers and a host of other businesses whose customers are at the retirement planning stage of

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Monday, August 15, 2011 12:52 pm
By Jennie L. Phipps · Bankrate.com

After a couple of years of agonizing over the state of the housing market, my husband and I are about to break ground on a retirement home on Lake Erie, south of Detroit. I bought the vacant lakefront property with money in my self-directed IRA from a bankrupt developer three years ago when real estate

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Sunday, August 14, 2011 7:00 am
By Jennie L. Phipps · Bankrate.com

Could going global with your retirement planning mean a bigger nest egg and greater security? Yes, thinking international is smart, says Aaron Katsman, a financial adviser with Portfolio Resources in Miami. Katsman, an American who is based in Israel, has clients worldwide. “My philosophy is that however people allocate their retirement funds, they have to

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Friday, August 12, 2011 3:02 pm
By Barbara Whelehan · Bankrate.com

The market malaise has not only wreaked havoc for you and me and everyone else involved in retirement planning — the big institutional heavyweights were also dealt heavy losses in recent weeks. In fact, an article in today’s Wall Street Journal suggests that mutual funds and pension funds are to blame for much of the

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Thursday, August 11, 2011 1:43 pm
By Jennie L. Phipps · Bankrate.com

End-the-Ponzi-Scheme, a regular reader who frequently comments, complained about the blog I wrote a couple of days ago. The blog said that the odds of being able to pull $1,000 per month from a $150,000 nest egg without running out of money after about a dozen years were 50/50.  End-the-Ponzi-Scheme said I didn’t provide enough

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Wednesday, August 10, 2011 11:07 am
By Jennie L. Phipps · Bankrate.com

Buying health insurance when you’re a few years away from Medicare eligibility can be a particularly difficult part of retirement planning. Here are some thoughts on the problem, including some insights from eHealthInsurance.com. Down the road, the new health care reform law may make buying private insurance easier, but so far it hasn’t made too

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Tuesday, August 9, 2011 3:08 pm
By Jennie L. Phipps · Bankrate.com

The market took a slide yesterday, leaving lots of people with retirement planning anxiety. Do we keep going along for the ride — or is now the right time to pull our retirement money out of the markets and put it under the mattress? I think Lowell Herr, a retired high school physics physics teacher

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Monday, August 8, 2011 1:25 pm
By Jennie L. Phipps · Bankrate.com

Are you working instead of contemplating retirement while your newly graduated offspring can’t find a job? It’s a fact of economic life in this downturn that baby boomers are working longer — hanging onto the jobs they have, says The Brookings Institution’s Senior Fellow in Economic Studies Gary Burtless, one of the nation’s foremost experts

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Sunday, August 7, 2011 7:00 am
By Jennie L. Phipps · Bankrate.com

Living in an assisted living or other kind of retirement facility costs an average of $2,500 to $3,500 per month if you don’t need extra care. Modifying your current home and staying put can have a significant upfront cost, but you only spend the money once. If you do it right, it can significantly extend

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