Retirement Blog

Friday, May 6, 2011 2:35 pm
By Barbara Whelehan · Bankrate.com

Alternative investments are all the rage among heavyweight investors. U.S. pension funds are boosting their allocations to hedge funds, according to a recent article on ai-CIO.com, a website that tracks news of interest to chief investment officers of pension funds, endowments and foundations. These guys are the so-called “smart money.” Individual investors can learn a

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Thursday, May 5, 2011 3:05 pm
By Jennie L. Phipps · Bankrate.com

The “Notch Babies” aren’t giving up. Notch Babies are the approximately 4 million people born between 1917 and 1921 — ages 85 to 90. In 1972, Congress linked Social Security to the Consumer Price Index to protect it from inflation. Someone made an error in the formula, so benefits were too high. The error was

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

At 88, Merton Bernstein, retired law professor and expert on Social Security, is a vocal and persistent supporter of the program and the benefits it offers people living in retirement. He’s all over the Internet, eloquently setting straight people who want to reduce Social Security benefits or who suggest that delaying eligibility is the right

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Tuesday, May 3, 2011 3:51 pm
By Jennie L. Phipps · Bankrate.com

A few days ago, a reader asked how much money she could earn in the year she reached full retirement age — 66 for her and most of the rest of us who are nearing retirement. The rules are straightforward and spelled out clearly on Social Security’s website, but here’s the short course: If you

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Monday, May 2, 2011 4:16 pm
By Jennie L. Phipps · Bankrate.com

I talked to Susan Spencer, executive editor of All You magazine, this morning. All You is the women’s magazine published by Time Inc. exclusively for customers of Walmart. Spencer said that this magazine finds that its 1.2 million readers are very eager for financial information, anything that will help them manage money and live better on

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Sunday, May 1, 2011 7:00 am
By Jennie L. Phipps · Bankrate.com

I have a new dog, Coby — a high-energy Jack Russell terrier-Pomeranian mix from the animal shelter. Coby made a noisy debut at the dog park, and one of the other dog owners recommended I give him Prozac, the highly popular anti-anxiety drug. Apparently, there’s a canine version because anxiety is a widespread problem in

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Friday, April 29, 2011 2:52 pm
By Barbara Whelehan · Bankrate.com

What’s one of the worst things you can do to foil your retirement plans? Answer: Take an early withdrawal from your retirement account. Despite the supposed fact that we’re in an economic recovery, a surprising number of people did just that, according to Bankrate’s Financial Security Index, released on Monday. In fact, 19 percent, or

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Thursday, April 28, 2011 4:18 pm
By Jennie L. Phipps · Bankrate.com

In honor of its 10th birthday, Liquidnet, a company that manages big pots of money for institutional investors, asked several experts in their investment sector to weigh in on the next 10 years of investing. Here are a couple of their thoughts that those of us looking hard at retirement might want to consider. Robert

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Wednesday, April 27, 2011 4:36 pm
By Jennie L. Phipps · Bankrate.com

Beginning May 1, Social Security will require all new recipients to get their payments by either direct deposit to a bank account or via a debit card. Recipients who are already receiving Social Security have until May 1, 2013, to convert to one of these electronic delivery systems. Cutting out paper checks and postal delivery

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Tuesday, April 26, 2011 4:19 pm
By Jennie L. Phipps · Bankrate.com

Here’s more bad retirement planning news for public employees and for retirees in general, especially those invested in municipal bonds. The nonprofit Pew Center on the States released a report this morning that said the gap between the retirement and health care benefits that states have promised their employees and the amount that they have

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