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248 posts tagged with retirement.
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Rent vs. Buy: Retiree edition!

Single retiree is selling a big paid-off house and asked me and huzzeh for help deciding whether or not it makes sense to rent an apartment or buy a condo. What questions should we consider to help make this decision? [more inside]
posted by elizeh on Apr 18, 2013 - 17 answers

Financial Planner or Advisor in San Francisco

Do I need a (fee-based) financial planner, advisor, or tax accountant? Recommendations for one in San Francisco? I'm almost 30, almost debt-free, and feeling out of my depth as I try to figure out what to do about non-retirement savings. [more inside]
posted by polexa on Apr 16, 2013 - 5 answers

Federal Civilian Pension after divorce. (US)

Asking for a friend. YANHL. A couple has divorced, wife has a local civil service pension and husband a federal civilian pension. The judge ruled they would split each pension 50/50, instead of letting them keep their own. She has sent her court order to his pension board and has received acknowledgement. She has been unable to get any answers from the pension board about what happens now. He has left federal service but has not retired. Does she have to wait until he retires to start receiving her monthly checks from the federal system? Can she start getting them when he reaches retirement age even if he's not retired? Who can she contact that will answer her questions? Would CC'ing her Senators/Rep on her emails help or hurt? Thanks.
posted by 1066 on Apr 4, 2013 - 6 answers

With the Dow so high, is now a good time to start a Roth IRA?

Hello! I'm in my early 30s and am finally financially stable enough to start socking away some cash in a Roth IRA (my employer does not offer any retirement plans). However, I'm a little worried that, with the market being at such a high, that something will happen due to all the current BS going on with Congress and the market will crash again, and I will lose a good chunk of money. Is this fear totally unfounded? Should I just start my Roth and hope for the best?
posted by emily37 on Apr 2, 2013 - 20 answers

Saving for retirement with no employer retirement program

How to save for retirement when my employer offers no retirement savings program and I cannot contribute to an IRA tax-free? Details inside. [more inside]
posted by Conrad Cornelius o'Donald o'Dell on Mar 23, 2013 - 12 answers

401k/Roth undisclosed "Forfeiture Fee" halves retirement rollover. Help!

I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
posted by iheijoushin on Mar 11, 2013 - 8 answers

Your dream retirement, given these circumstances?

If you were single, 53 and healthy and with an adult child roaming the Earth, where would you retire and why? Only limiting factors are 200K US in a retirement account and a pension of 40K US (with a COLA increase of $1600 each year).
posted by 1066 on Mar 9, 2013 - 28 answers

Who's the kid here?

My mom has what seems to be undiagnosed borderline personality disorder. For the last many years, she's burned bridges at work and let her self-loathing get the best of her, to the point that she's chronically unemployed, has alienated most of her friends, and has exhausted all her financial resources. She's hit rock bottom, with $0 in the bank and debts to pay. And she's turned to me for help, saying she doesn't know how to take care of herself. I'm 26. I'm struggling to pay back my own student loans. Please help me help my mom. This is in Canada. [more inside]
posted by anonymous on Feb 20, 2013 - 22 answers

How to age gracefully, or how do the elderly transition into retirement?

As I assist my recently retired parents, I'm finding I know very little about the practical parts of traversing this phase of life. How do I help them manage their financial future, particularly with life insurance? I've read previous posts but special *elder* snowflake.. [more inside]
posted by loquat on Feb 7, 2013 - 5 answers

Tell me about your awesome Roth IRA.

I have a chunk of money just sitting in an account that doesn't even earn interest. I'd like to park it into an IRA, but would like to avoid spending many hours researching them. I'd love to just pick a place, transfer the money over, and be done with it. What bank/financial institution currently offers the lowest fees for the best results? Do you have one that you adore, and offers a good deal? [more inside]
posted by chowflap on Jan 28, 2013 - 18 answers

Figuring out where to start with my finances

I am suddenly making a grown-up salary, with a retirement plan and everything. I need to talk to a financial professional about optimizing my taxes and retirement and building a perfect(-ish) machine that I don't need to think about too much. I don't actually know what this person is called. Am I looking for an accountant? A financial advisor? A financial planner? Or something else? Please help me overcome my laughable naïveté. Thanks! [more inside]
posted by the brave tetra-pak on Jan 4, 2013 - 9 answers

Saving for retirement as a graduate student.

I am a new graduate student and was hoping to put some money into a Roth IRA to start saving for retirement, but just read that contributions must be made from earned income and now I'm not sure if that is the best plan for my circumstances. [more inside]
posted by anonymous on Dec 26, 2012 - 7 answers

Gift ideas for a 6-month tour, a 6-month tour...

You just retired from being a high school English teacher and are now about to embark on a long mutiple country voyage on a boat with your husband. What would be an awesome gift for you from a former student, assuming space on the boat is limited? [more inside]
posted by steve.wdc on Dec 13, 2012 - 14 answers

Timing The Market Is Always a Bad Idea, Right?

I know timing the market is stupid. My previous attempts at it have never worked out in my favor. My 401K is all index funds. However, with the possibility of Congress going over the 'Fiscal Cliff," it is a horrible idea to go all cash until they get it sorted out? [more inside]
posted by COD on Dec 4, 2012 - 23 answers

How to get my finances in order this late in the game?

Starting from scratch at 45 years old, what's the best strategy for saving money & planning for old age? [more inside]
posted by anonymous on Nov 10, 2012 - 11 answers

How much is enough (retirement savings)?

How high was your gross income when you felt able to make the maximum contribution to your 401(k)/403(b)? Is contributing close to half of my already modest income a bad idea? [more inside]
posted by anonymous on Nov 9, 2012 - 15 answers

Can I quit my job?

Should I quit my job? Much more inside. [more inside]
posted by anonymous on Oct 4, 2012 - 18 answers

Retirement Hideway?

Anyone have recommendations on a hidden paradise to retire to in 10 years? [more inside]
posted by anonymous on Sep 7, 2012 - 28 answers

give me a home

Thinking of retiring in 10 years. Where? [more inside]
posted by wandering_not_lost on Aug 25, 2012 - 7 answers

Would You Move for Better Schools?

Moving to a better school zone. Should I do it? Tough decisions concerning moving, staying put, and financial future. [more inside]
posted by anonymous on Aug 25, 2012 - 19 answers

Not looking for a detailed plan, just a quick

Saving for retirement - the advice and calculators out there are too complicated and I constantly question my assumptions. Is there a good rule of thumb to use until I visit an advisor? [more inside]
posted by Tehhund on Aug 3, 2012 - 17 answers

Is it worth it to contribute to my company's 401k?

Is it worth it to contribute to my small company's John Hancock 401K, given the high expense ratios and no employee match? [more inside]
posted by anonymous on Jul 21, 2012 - 6 answers

I'm considering leaving the public sector for private. Please help me learn the smart way to negotiate employment offers and understand the real value of my current package.

I've been working in local government in a mid-level administrative job for six years. My satisfaction level is low, but the benefit package is generous (we're a small local entity contracting benefits through CalPERS), and the job is as secure as anything for the foreseeable future. Would I be crazy to leave it? [more inside]
posted by anonymous on Jul 10, 2012 - 5 answers

What's the long term & retirement like for freelancers?

What is the long-term freelancer outlook like? Where "long term" equals 10 years in until retirement? [more inside]
posted by circular on Jun 27, 2012 - 2 answers

Retirement fund fun!

My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
posted by erstwhile on Jun 15, 2012 - 9 answers

Early retirement account withdrawal

Need to pay off upcoming credit card bill. Can I use any of my retirement accounts to pay them off without incurring any fees? [more inside]
posted by AngryTypingGuy on Jun 11, 2012 - 5 answers

retirement kung foo ideas

I'm retiring after 35 years in 6 months.Any suggestions on good sites for retirement talk, hobbies,vocations etc...thanks
posted by malhaley on May 8, 2012 - 7 answers

I'm Partial to the Salmon and Shrimp Flake, Myself

Inspired by this post about retirement savings, I'm using my question to ask something I've always wondered about: where did the trope about senior citizens eating cat food come from? [more inside]
posted by sfkiddo on Apr 30, 2012 - 10 answers

Working around the world, how to plan for retirement?

My job is contract based, and tends to lead me around the world. How does one plan for retirement with such a job? [more inside]
posted by TrinsicWS on Apr 26, 2012 - 6 answers

Australian with US investments

What sort of things should an Australian living in Australia know about owning an investment (e.g., an index fund) in the USA? The investment would be part of a retirement fund that has a low (15%) tax rate in Australia.
posted by Joe in Australia on Apr 23, 2012 - 2 answers

Two Careers & Retirement

Three questions: (1) How many current civil service employees are also reserve/national guard members, (2) How many current civil service employees were also active duty military service members, and (3) How many of both groups retired from the military? I've been to DOD, the Census, OPM ... I'm not having much luck.
posted by CollectiveMind on Mar 16, 2012 - 5 answers

Social Security retirement benefits question

Need help navigating the tedious Social Security retirement benefits maze for my mother. [more inside]
posted by SheIsMighty on Feb 3, 2012 - 6 answers

Living the good life in 2029

[Brainy accountant-type filter] 37yo expat Canadian has a public service pension plan and too many options! [more inside]
posted by superfish on Jan 31, 2012 - 5 answers

Oh god. Another RRSP post.

Canadian RRSP filter: Does the Home Buyers Plan actually make sense? Can you crunch the numbers on my behalf? [more inside]
posted by Mrs. Rattery on Jan 24, 2012 - 12 answers

Where do fashionable women in their 60s shop?

My retired 60-something mother is a bit too fond of turtlenecks and "mom jeans". I'd like to steer her toward labels and stores that will be more flattering. I'm looking for something similar to Lucky Jeans or Ann Taylor, but for older women. What do you recommend?
posted by klao on Jan 14, 2012 - 27 answers

Service Purchase for Retirement

I work for a public library and have 18 years of service. I can retire with full benefits at 30 years. I have the option of paying the state a lump sum of $10,000 to service purchase my four years in the Marines. This means I can retire earlier. I have to think this has to be worth it. It will put a dent in my 401k but to retire at 51 rather than 55 seems like a hell of a good deal for $10,000. Thoughts?
posted by zzazazz on Jan 4, 2012 - 19 answers

Help my old man enjoy his golden years...

My dad is retired, 78, pretty on-the-ball - but he's a little depressed about his waning years. Any advice? [more inside]
posted by so_necessary on Dec 23, 2011 - 12 answers

Is there a benefits to keeping money in a 401k account after the job is terminated?

I have $1000 in a 401k from a job at which I no longer work. The Personal Rate of Return right now is at -40%. Should I still roll this out into an IRA account or is there a benefit to keeping it in that 401k account?
posted by elif on Nov 1, 2011 - 6 answers

Has your retirement account taken a hit like mine?

I just checked my retirement account. Last year, I lost about 7% of the total after ten years of contributions. Is this happening to everybody? [more inside]
posted by flowerofhighrank on Oct 8, 2011 - 20 answers

How to best buy bonds for a retirement portfolio?

How do I pick bonds for the bonds portion of a retirement portfolio? [more inside]
posted by pwnguin on Oct 6, 2011 - 10 answers

What did Clark Howard say about lifecycle funds?

Clark Howard fans--If you watched last week's show, what was his advice on diversification with lifecycle mutual funds? [more inside]
posted by parkerjackson on Oct 3, 2011 - 2 answers

What's the best way to save for retirement as a freelancer?

What's the best way to save for retirement as a freelancer? [more inside]
posted by sharkfu on Sep 28, 2011 - 6 answers

Where do older expatriates live?

Does anyone know of a place where expatriates live that's cheap, has good weather, and most importantly has other expats over 60 living there? To clarify 'cheap', Mexico sounds a bit too pricey for my resources. [more inside]
posted by nickji on Sep 18, 2011 - 9 answers

Where, oh where did my retirement go?

How do I find my old retirement account? [more inside]
posted by mrfuga0 on Sep 13, 2011 - 11 answers

What should my older outdoorsy dad do to void loneliness over the winter?

What can my divorced older parent do to get away from home and avoid loneliness, particularly in the winter? He likes eating and the outdoors, but isn't religious. A warm spot with built-in company of some type would be ideal. [more inside]
posted by procrastination on Sep 13, 2011 - 20 answers

How to get 401K money back from former employer when you also need good recommendation from them during your job search?

How to get 401K money back from former employer when you also need good recommendation from them during your job search? [more inside]
posted by anonymous on Sep 6, 2011 - 25 answers

Curl up and die or get COBRA?

Do I retire and just quietly die? Or can I get health insurance? [more inside]
posted by anonymous on Aug 22, 2011 - 16 answers

Where to start investing at 45?

My boss is a 45 year old director who has never bothered to invest or start a portfolio. Where should I have him get started? [more inside]
posted by JJkiss on Aug 8, 2011 - 11 answers

Stocks and bonds and downgrades... oh my.

What is the most prudent way to reallocate one's 401(k) in light of the US downgrade and recent market crash, assuming one has a moderate number of years until retirement and wishes to get a return on investment greater than the typical return of money market funds?
posted by I EAT TAPAS on Aug 8, 2011 - 5 answers

Which is worse - less savings or more debt?

Should I cash out my IRA to significantly reduce my credit card debt? [more inside]
posted by anonymous on Jul 27, 2011 - 12 answers

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