Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site
Go To Retirement

A Baby Boomer's Journey from Retirement Planning to Retirement Living

You are here: Home
Securing Your Retirement Income
Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site Creating a Plan for Guaranteed Retirement Income

Regular readers of this blog may recall that I have been studying the work of Zvi Bodie, a professor of finance at Boston University. (I mentioned Prof. Bodie in my post on Retirement Income and the Myth of Equity Risk.) After much consideration, I’ve decided to adopt Prof. Bodie’s concepts into our retirement income plan. More particularly, I have created a plan to provide guaranteed retirement income. I will explain.

[Read More…]

Retirement Planning for Baby Boomers
Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site What is New with this Baby Boomer? Plenty

I’m back again after a long blogging layoff. It’s not that I didn’t have anything to write about. I was just concentrating on life as it happened, pushing the reflection and writing to the back burner. Now I seem to have a little breathing room. So I will update you. Please read on if you are interested.

[Continue Reading…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site The Complexity of Working with Medicare, Social Security and Health Savings Accounts

I called the national Social Security phone line last week to discuss survivor benefits. (More on that later.) Of course, the person I spoke with could not actually process my claim.  Instead, he had to schedule a future telephone appointment to do that, with my local Social Security office. The first available appointment time was in August. Keep that in mind if you need to apply for a benefit that cannot be processed online. Before I called to file a claim, I did a lot of research on what I was about to do. Given my circumstances, determining the optimum filing strategy was quite complicated.

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158

[Continue Reading…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site Building My Retirement Spending Plan

I finally got busy this week doing a lot of work on my retirement spending plan. This has been a work in progress for several years as I have acquired TIPS and I-Bonds as part of my Failsafe Retirement Plan grand strategy. But interesting things are happening (including getting older) and the time has come for me to get more specific with a plan for how I am going to use my retirement assets to provide spending money. I’ll try to explain my logic without giving too much away or boring you.

[Continue Reading…]

More Posts About Retirement Planning

Investing for Retirement
Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site The Sequence of Returns Retirement Risk

I hope that most baby boomers who are close to retirement have developed a fundamental understanding of the “sequence of returns” risk as it applies to their retirement security. In a nutshell, the sequence of returns risk tells us that the annual returns on our retirement investments do not by themselves determine whether our retirement nest egg will support us until we die. Rather, we must also carefully consider when those returns occur. For example, a significant market downturn at the commencement of our retirement – say at age 65 – is much more dangerous than if the same downturn occurs ten years later, at age 75. Let’s think more about this for a minute.

[Read More…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site Predictable Retirement Income from Target Date Bond Funds

This past fall and winter I added some new investments to my retirement portfolio. The investments are known as target date bond exchange traded funds. Sometimes they are referred to as “target maturity” bond funds.  This type of investment is new.  The target date bond ETF category shows great promise for providing bond-like retirement income with little or no interest rate risk.

[Read More…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site First Quarter Net Worth Analysis

Although I have been slow posting in recent months (now being remedied), I have continued to track my net worth as I move ever closer to retirement. (I say “ever closer” despite not having selected a retirement target date.) I have also made some recent changes in my investments with others planned in the coming weeks. The objectives for these changes are to a (a) increase certainty of income in future years and (b) simplify.  I will write more about these changes next week.

[Read More…]

More Posts About Investing for Retirement

Info for Baby Boomers
Converse - Optical White All Star Hi Trainers - Mens - Size: UK 11 - Stanley 10004-101 Size 10 Kingston Full Grain Waterproof Boot (Black) - Timberland Pro Mens Valor Duty Ox Shoe - , Ride Tec Men s 1442SBK 13" Stonewash Harness Work Boot, Black, 8 M US - , Ruanyi Men s Genuine Leather Shoes Classic Lace up Breathable Perforated Upper Lined Oxfords - , adidas Jake Blauvelt Boot, Men’s Skateboarding - Mizuno Running Men s Mizuno Wave Prophecy 6 Running-Shoes - , UTILIA Safety Shoes High Steel Toe TG 44 fc951544 Hercules - weiwei Men s Summer Sandals,Beach Flip-Flops - Think! Men’s Kong Desert Boots, Black - , Alexandra Blackrock STC-FW523BK-5 Composite Boot, Plain, Leather, Size: 5, Black - Zippy Baby Boys’ Zbbs06_410_6 Open Back Slippers - ailishabroy Genuine Leather Mens Sandals Hiking Walking Summer Beach Velcro Shoes - , Melton Krabbelschuh - I Love Dad, Unisex Babies’ Slippers - Sunny&Baby Men s Casual Shoes Genuine Leather Beach Flip Flops Soft Flat Sandals For Gentlemen Non-Ship - , CFP 8088 Mens All Season Loafers Casual Leisure Affectionate Comfy Smart Driving Leather Sneakers Blue UK Size... - , Amblers 702 Granite Mens Safety Trainers - Steptronic Mens Gloucester Leather Chukka Boots - CHENGXIAOXUAN Boys Flip-Flops Male Wear Skid Slippers Casual Beach Shoes New Outdoor Flip Flops Webbing Rubber... - Smile YKK Unisex Camouflage Wide Brim Outdoor Sport Sun Fishing Net Hat Dome Mesh Cap - Men Slipper red, (rot-kombi) 4857-1 - Cofra JV047-000.W40 Size 40 S1 P SRC New Matrix Safety Shoes - Black - , Fischer Pantolette Schwarz, Men’s Mules - , Salamander Men’s Vasco-Aw Biker Boots - , adidas Men s Stan Smith-UK 8 - Handmade Ninja Soft Leather Tabi - , Fly London Men’s Shya955fly Low-Top Sneakers - , Pataugas Jayer/N, Men’s Hi-Top Slippers - Puma Carson Runner Camo Mesh, Unisex Adults Trainers -
Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site IGI CO 86763 Gray Men s Shoe Boots Leather Laces Mid-English Gore-TEX - , Timberland Unisex Adults’ 6" In Premium WP Kph Classic Boots - DC Trase Tx M, Men’s Trainers - New Balance M577, PSG salmon - Panoply Gignac Green PVC Safety Wellington Boots Work Wellies Steel Toe Cap UK (UK 6 / EU 39) - Unisex Couples Non-Slip Linen Flip Flops Summer Open Tote Mule Sandals Moisture Wicking Flax Sole Indoor House... - Timberland Roslindale Backstrap, Men’s Open Toe Sandals - , Lunar Men’s Dunas Vi Beach and Pool Shoes - Respeedime Summer Men s Non-Slip Slippers Sandals Leather Breathable Beach Shoes - Cover Plus New Fashion Silver Genuine Leather Mens Slip On Casual Dress Suit Loafers Shoes - texas5 easy slip on soft lea leather upper formal velcro shoes. new - , Ruiyue Genuine Leather Beach Flip Flops Slippers,Leisure Shoes Non-Slip Soft Flat Casual Adjustable Backless Sandals... - HAWES & CURTIS Mens Leather Lace Up Boating Boots Shoes - Men s VITELO Semi-Brogue Polished Leather Slip-On Shoes 144-45 - , Nike Unisex Adults’ 819191-443 Football Boots Blue (Coastal Blue / Polarized Blue-rage Green) Haflinger Women’s Fundus Everest Open Back Slippers - , CROCS Shoes - Work Clogs SPECIALIST - chocolate - Dr. Martens Morris Black Polished Smooth, Men’s Brogues - , FRETZ men Men’s Locarno Derbys - XUE Men s Leather Shoes Spring Summer Lace-up Driving Shoes Lace-up Shoes Hollow-Out Breathable Outdoor Sport... - , Geox Men’s U Mattias B ABX a Hi-Top Sneakers - BOLOG Men s Loafer Flats Casual Slip On Moccasins Handmade Driving Shoes Suede Leather Boat Shoes Big Size UK5-13 Dark Blue Lukpol Mens Genuine Buffalo Leather Orthopedic Sandals Shoes Model-1062 Brown , Icegrey Mens Slip On Leather Shoes Casual Loafers Brown , Rain Boots PVC Rubber Boot Liner Knee Green Men and Women Men s flip flops, summer slip ups, cool slippers, beach shoes Brown , Eastlion Kid s Girl s and Boy s Brethable Cool Peep-Toe Summer Sandals Beach Shoes Sport Sandals Purple , WYSBAOSHU Mens Flip Flops Casual Indoor & Outdoor Flip-Flops Beach Slippers Grey Steve Madden Men s Pieter Boot Black Leather Muck Boots Unisex Adults’ Derwent Ii Wellington Boots Bark Losing One of My Super Heroes

It’s hard for me to believe that I’ve been away from writing with Mark on this blog for so long! It’s been far too long! So much has happened during that time. Many wonderful things, people and events have come into my life. But, I’ll defer to Mark and let him catch up on some of these great happenings.

I want to turn my thoughts instead to other, more somber, areas: grief, gratitude and healing.

[Read More…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site Celebrating Age 65 With My High School Class

Let’s start by acknowledging that my high school class of 1969 likes to party. Thanks to the hard work by one of our loyal classmates and her helpers, we’ve had full-blow reunions every 5 years since graduation. (I’ve been to every reunion starting at 20 years post-graduation.)  Our class motto was “Class of ’69 Drinks Bud.”  (Technically, this was an unofficial motto because it appeared in print only once – on a large helium balloon attached by a group of us to the top of our high school flag pole during senior week.)  Last weekend, we collectively affirmed our partying ways when 70 of us returned to Ithaca for a class 65th birthday party.

[Read More…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site Communicating Financial Information to Your Family and Heirs

I recently revised and update my plan for communicating information about my finances and online life to my three sons. I did this to make it easier on them when I die and to make it easier on me if, before I die, I become ill to the point that I cannot handle my own affairs.

[Read More…]

Reef Draftsmen 19981 Chocolate, Reef Men s Sandals - - fc18158 - poyigut.site

More Posts for Baby Boomer Info