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-- An attorney subscriber
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42 Matching News Items |
| 1. |
Pros and Cons of Government 457(b) Retirement Plans
Bankrate, via MSN News 
Apr. 12, 2023
"The 457(b) retirement plan offers many advantages to government workers, including tax-deferred growth of their savings, but these plans do come with some drawbacks. Here's how the 457(b) plan works and what you need to watch out for."
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| 2. |
Why Retirees Are Unretiring: Not Just About the Money
Bankrate
Feb. 24, 2019
"[M]ore than half of workers approaching retirement in the next five years believe they will likely return to work ... The twist on retirement is already peppered into companies' mission statements.... [T]he reasons people go back to work transcend income."
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| 3. |
Not Saving More for Retirement? You Should Be Feeling Left Out
Bankrate
Aug. 15, 2017
"23 percent of all U.S. adults say they've ramped up retirement saving during the past 12 months -- the best showing in six years of polling. And it's younger millennials between ages 18 and 26 who are the most likely (at 30 percent) to say they're saving more.... A strengthening job market and auto-enrollment into company retirement plans have helped millennials get a head start on retirement saving, while older generations have had help fortifying their nest eggs from a steady-as-she-goes economy."
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| 4. |
State of Emergency: Your Employees' Rainy Day Fund
BenefitsNav
Sept. 29, 2016
"While this dedication to increasing retirement readiness is extremely important, you may be losing sight of another important aspect of your employees' financial well-being: Emergency Savings. In a recent survey from Bankrate, it was found that 63% of Americans would not have enough in savings to pay for a $1,000 emergency."
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| 5. |
Health Insurance: How Much Do We Hate SHOPping for It?
Bankrate
Dec. 2, 2014
"52 percent of Americans making $50,000 a year or more would rather have a plan with a low premium but high deductible, while just 39 percent of those earning less would make the same choice. 46 percent of young people between the ages of 18 and 29 prefer a plan with a high monthly premium and a low deductible, compared with just 33 percent of those 50 or older. 16 percent of seniors 65 or older say they like neither option, versus just 3 percent of the youngest respondents."
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| 6. |
Many Uninsured Still Unaware About Obamacare
Bankrate
Mar. 17, 2014
"One in three Americans who lack health coverage plan to remain uninsured, citing cost as their chief obstacle ... Fewer than a third (30 percent) of the uninsured realize that federal tax credits available through the new Obamacare health exchanges can make health insurance affordable to lower-income individuals and families."
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| 7. |
Obamacare Support Weakens, Workers Pinched
Bankrate
Jan. 8, 2014
"64 percent of those earning between $50,000 and $75,000 per year say they've had more money withheld from their pay for health insurance, compared with only 38 percent of people making less than $30,000. 34 percent of rural Americans with health insurance through work say they have less choice of doctors, while just 18 percent of urban dwellers and 16 percent of suburbanites say that. 20 percent of part-time workers say they've lost coverage for a spouse or child, versus just 5 percent of those employed full-time."
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| 8. |
Would You Move for Better Health Insurance?
Bankrate
Dec. 3, 2013
"More than 1 in 4 Americans would vote with their feet and relocate to another county or state to obtain better or cheaper health coverage ... Health insurance would be a reason for 28 percent to move, with 9 percent saying it would be a major reason and 19 percent identifying it as a minor reason. Interest was even keener among the young and those with lower incomes."
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| 9. |
Who Gains from 401(k) Fee Lawsuits?
Bankrate
Oct. 8, 2013
"It's ironic that employees of large companies are suing their employers, because large companies tend to offer the cheapest plans ... So in the International Paper settlement, is $30 million enough to make restitution? If [the plaintiff's attorney] gets 30 percent, that's a $9 million payday for him and his firm. If the balance were to get evenly distributed among 70,000 401(k) participants (which is not how it will be apportioned), each of the participants would get $300 in their account. It's not a big payday for plan participants, that's for sure."
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| 10. |
MAP-21 Funding Rules Signal Kiss of Death for Pensions
CNBC
May 4, 2013
"A little-known rule change that allows companies to contribute fewer dollars to pension funds is signaling just how meaningless the retirement vehicle has become. 'This proves that pensions are pretty much dead,' said Greg McBride, chief economist at Bankrate.com. The change is just another charade to mask the underfunding of pensions and increases the odds of having less money for retirement.'"
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| 11. |
Road Map to Buying an Annuity
Bankrate
Jan. 24, 2013
"Before you buy an annuity, [Anna Rappaport, chair of the Committee on Post-Retirement Needs and Risk for the Society of Actuaries,] emphasizes taking these initial steps. [1] Set aside a robust emergency fund.... [2] Consider Social Security as an annuity replacement.... [3] Pay off your mortgage."
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| 12. |
Retirement Savings Picture Improves a Bit
Bankrate
Aug. 20, 2012
"Eighteen percent of Americans are saving more for retirement this year than last year. Another 18 percent are saving less than last year, but that's a big improvement. The median retirement savings balance is $120,000 for those between ages 55 and 64."
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| 13. |
The Case for Starting Social Security Payments at Age 62
Bankrate
May 31, 2012
"Is it a mistake to allow people to claim Social Security at 62 -- even at a reduced rate -- when we are living longer than we did when the program first started? The Center for Retirement Research at Boston College examined this question and came to the surprising conclusion that the actuarial assumptions made in 1960, reducing the amount of people who claimed at 62, are still a fairly accurate reflection of the cost -- even though we're living 20 years longer."
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| 14. |
Pension Abuse Reportedly Widespread
Bankrate Sept. 18, 2011
[W]hat about the pension abuses that occur routinely in the private sector -- abuses that benefit the sponsoring companies but hurt their workers? I'm referring to the abuses exposed in 'Retirement Heist: How Companies Plunder and Profit from the Nest Eggs of American Workers' by award-winning Wall Street Journal reporter Ellen Schultz.
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| 15. |
Survey Shows Hint of Financial Optimism in the New Year
Bankrate
Jan. 24, 2011
While there was some good news, in one important area of personal finance -- personal savings -- there are still far more people uncomfortable with their savings situations.
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| 16. |
Hidden 401(k) Plan Fees to Be Disclosed
Bankrate
Nov. 14, 2010
Excerpt: For decades, 401(k) plan fees were mostly invisible, even to employers who offered these retirement plans to their workers. In fact, a separate rule issued by the DOL last summer requires plan providers to disclose to plan sponsors all direct and indirect compensation related to 401(k) plans -- effective July 2011. And there are plenty of ways these plans can get dinged by fees, many of which get passed on to workers.
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| 17. |
Six Reasons Not to Roll Over Your 401(k)
Bankrate
Aug. 10, 2010
Excerpt: Just as group medical insurance is generally a better bargain than individual coverage, a group retirement plan can offer advantages investors can't get if they roll the money into an IRA[.]
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| 18. |
The Case for Getting a Monthly Annuity
Bankrate
Mar. 21, 2010
Excerpt: Anyone with a lump sum -- a large amount of money -- can get an annuity. Insurance companies will gladly convert it into a stream of monthly payments for life. But a company-provided annuity offers more protections than the type you can buy from a private insurer.
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| 19. |
Retirement Readiness Calculations: A Sensitive Subject
Bankrate
Feb. 22, 2010
"My recent blog about the National Retirement Readiness Index designed by retirement consulting firm Fiduciary Benchmarks prompted a response from readers. A few cried foul at the example cited of the 45-year-old with $50,000 saved whose nest egg eventually grew to $670,000 by age 67."
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| 20. |
New Tool Offers Good News About Retirement
Bankrate.com via CNBC, Inc.
Feb. 16, 2010
Excerpt: Americans are on track to meet 92 percent of their retirement income needs, according to the National Retirement Readiness Index designed by Fiduciary Benchmarks, a retirement consulting firm.... This rosy assessment flies in the face of the mostly bleak reports pushed out by many financial firms, retirement consulting groups and employee benefit trade organizations.
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