Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - poyigut.site
Go To Retirement

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

You are here: Home
Securing Your Retirement Income
Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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
Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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.

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f

[Continue Reading…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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
Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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
Santimon Men Fashion Shoes Dress Pointed Toe Floral Patent Leather Lace Up Oxford by Black Brown Red Grey - adidas Men s Trainers Multicolored Size: - sUw - Steelite Air Cushion Work Safety Shoe SB - , LYJBIK Men s Casual Personality Leather Flat Lofer Shoes Drivers Metal Buckle Decoration - , Mens Leather Brown Big Size Toe Grip Thong Sandals Summer Slip on Slippers - Forest Runner 366002 114 038 Men s Brogue Brown Shoes H Width - Maxguard Unisex Adults’ Arne A170 Safety Shoes - , adidas Men’s Predator 18.1 Ag Footbal Shoes - Giorgio Brutini Men s Campbell Slip-on Loafer - Panter 817001700 – Shoe Urban 81700 Black Size: 43 - , Clarks Gilman Bit Suede Shoes in Dark Brown - Panama Jack Men’s Kito C11 Lace-Ups Black Size: 11 - , G-STAR RAW Men’s Scuba Low Trainers - , Boys Mens LOGO Print Summer/Beach Wear Flip Flops One Pair - Havaianas Slim Thong Flip Flops Black - UK 8 - BR 41/42 - EU 43/44 - Puma Evoimpact 3, Men’s Indoor Shoes - Mens PDQ Toggle & Touch Fastening Sports Trail Sandals - Jomos Men s Boots Black Black Black Size: 13 UK - snfgoij Men s Leather Shoes Black Tie Casual Soft Commerce Round Head Men s Shoes Lace Wear Low Help - Clarks Originals Desert London, Men’s Loafers - TORISKY Men s Women s Sneakers Sport Running Shoes Outdoor Walking Lightweight Air Cushion - Dr. Martens Newton - Sand - Kaya & Canvas Boots - , Guess Men s Delfino Sandal - , HN Shoes Men s Wedding Shoes Dress Lace up Black Casual Leather Formal Business Oxford for Men Work Size 38-44 - Interact China Kung Fu Martial Arts Tai Chi Shoes Deluxe Hand Sew Sole Soft Cushion #406 + Free Magazine - , ailishabroy Genuine Leather Mens Sandals Hiking Walking Summer Beach Velcro Shoes - , DT NEW YORK Mens Boat Shoe Budget - FRETZ men Oristano, Men’s Low-Top Sneakers - , ECCO Grenoble, Men’s Derby Lace-up - ,
Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - poyigut.site K1X Men Shoes/Boots GK 3000 Beige 44 - Vans Chauffeur, Men s Boat Shoes - , Tommy Hilfiger Men’s Textile Lace up Espadrille Low-Top Sneakers - camel active Hazy, Men s Derby Shoes - , Reef Men’s Mission Le Low-Top Sneakers - Vans Men’s Sk8-Hi 46 MTE Dx Trainers Black(black/Flannel(mte)) Rieker Men’s Nicht Angegeben Hi-Top Sneakers Grey (Graphit/Rauch/Granit) , Cesare Paciotti Men s MCBI068035O Grey Suede Lace-up Shoes - Tommy Hilfiger Men’s Y2285armouth 1b Low-Top Sneakers Grey (Diamond Grey) FIND Men s Suede Derby Shoes - Grafters Mens Padded Leather Safety Boots - Lloyd Men s 26784-00 Boots - , DC Men s Evan Smith TX Skateboarding Shoe, Bleach, D(M) US Black/Black/White , Solid color satin shallow mouth single shoes fine with video thin career temperament tip of ultra-high with shoes... - XIE Men s Slippers Flip-Flops Flip Flops Beach Outdoor Indoor Men Fashion Tide Cool Slippers 39-43 - Flexible 7649538, Women’s Sandals - , Kickers Baby Boys’ Tovni Trip Trainers - G9Z67ZFUPMZM4015 Dolce&Gabbana Men Leather Brown - , yalanshop Bow Tie ballet shoes small pure color round head sweet light at the end of the girl, soft pink ballet... - Men Shoes Genuine Leather Rhinestone Metal Toe Western Fashion Loafers & Slip-On Pointed Business Formal Club... - TED Baker Mens Senape Derby Shoes Black , CHAMARIPA Elevator Shoes Mens Suede Leather Brogue height Increasing Shoes - 2.36 inches Taller Dr. Martens 1461 RP Shoes Brown Dark Tan , Floris van Bommel Men’s 14370 00 Classic Lace-Up Half Shoe Black - Black , Merrell Men’s J12539 Fitness Shoes Blue , TOMS Women s Classics Rose Gold/Natural Canvas Dots , UGG Australia Ugg Men s Scuff Slipper Black , Steve Madden Men s Shaww Oxford Cognac Leather Skechers Men’s 51874 Ankle Strap Sandals Black (Black) Harley Davidson Men ABERCORN BLACK 7 M Black , 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - 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…]

Melvin Derby & 29 Hamilton Oskar 29 Men s s Derby Lace-Ups Brown - e61cf4f - poyigut.site

More Posts for Baby Boomer Info