ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - poyigut.site
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A Baby Boomer's Journey from Retirement Planning to Retirement Living

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Securing Your Retirement Income
ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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Retirement Planning for Baby Boomers
ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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Investing for Retirement
ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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Info for Baby Boomers
Nike Roshe One (GS) Unisex Kids Outdoor Shoes Colour: Cool Grey Military Blue White Adidas Performance Seeley Skate Shoe,ash Grey/white/black,4 M Us Black/Black/Black Troop Proedition , Asics Men s Gel-Scram 3 Ankle-High Trail Runner Carbon/Black/Gecko Green , Lacoste Sevrin Mid 316 1, Men’s Low-Top Sneakers Blue (Nvy) , Puma Men’s Ignite Limitless Knit Sneaker, Black, D(M) US Puma White/Puma Silver Clarks Mens Grey Cloud Steppers Slip-On Shoes Vans Unisex SK8-Hi Suede Trainer (pebble leather) black Adidas Skateboarding Men s BUKentiz Pro G48060 Core Black,core Black,footwear White , Vibdiv Men s Flyknit Running Shoes Lightweight Bleathable Lace-Up Trainers Black/White Geox Men’s U Wells a Trainers Beige (Taupe C6029) Pepe Jeans Men’s Industry Blue Denim Trainers Blue (Dk Denim 559) Vans Authentic, Unisex Adults Low-Top Sneaker Blue (Twilight Blue/True White) Mens Legacy Air Bubble Max 90 Running Trainers Airtech Fitness Sports Gym Shoes Size 7 8 9 10 11 12 Navy Lloyd Men’s Baxley Trainers Braun (Ebony/Ocean) , Boxfresh Men’s Creeland Sh NYL WHT Trainers White (White) , OneMix Mens Trainers Casual Sports Running Shoes Lightweight Breathable Sneakers Red Women Men Awesome 3-in-1 Lightweight Athletic Rome Sneaker Shoes White/Red I , Lloyd Men’s Baxley Trainers Braun (Cigar/Lama) , Geox U Nebula B Men Low-Top Trainers Red (Dk Red C7004) Airwalk Mens Casual Lace Up Breaker Mid Skate Shoes Trainers Black Josef Seibel Nolan 28, Men’s Low-Top Sneakers Grau (Grau-multi) , Asics Mens Gel-Kayano® 24 (2E) Shoes Black/Phantom/White Ted Baker Men’s Duuke Trainers Black (Black) , New Balance Men’s Mrl005 Running Shoes White (White) , Lacoste Men s Sevrin 317 1 Cam Trainers, Green Green Mizuno Men’s Wave KURYU Lamborghini J1ga166802 Herren Schuhe Gelb Leisure Gelb (Gelb-Schwarz) Skechers Equaliser Persistent Men s Sneakers Navy/Charcoal , Nike Roshe One Print, Men’s Sandals Multi (Iguana/Iguana-black) ,
ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - poyigut.site Rock Fall Pro Man 100% Metal Free Composite Toe Cap Safety Shoes - PM4004 - Black - Shepherd Slippers Luxury Sheepskin LIV Style Slipper 100% Genuine Leather - , OneMix Men s Air Cushion Comfort Running Shoes Lightweight Sport Sneakers Black Hummel Unisex Adults’ Stockholm Summer Low Trainers White (Pristine White 9271) , GTYMFH Spring Men s Shoes Work Shoes Big Shoes Men s Casual Shoes - , Fly London Men’s Bato835fly Low-Top Sneakers Off-white (White) , Brynje Sicherheitsclogs Flex Fit offen SB A E SRA - , Puma Men s Roma Basic Sneaker, True Blue White - Gumbies Islander Beige Flip Flop Beige IceUnicorn Water Shoes Mens Womens Quick Dry Sports Aqua Shoes Unisex Swim Shoes with 14 Drainage Holes for Swim,Walking,Yoga,Lake,Beach,Garden,Park,Driving,Boating Blue-N1 , Svens-Schuh-Shop Unisex Boat Shoes Brown UK Size 5 (EU 38) - , Slazenger Mens Canvas Pumps Lace Up Shoes Lightweight Casual Footwear Black/Black UK 10 (44) - , Zanpa Men Casual Suits Shoes - , Skechers USA Men s Bursen Ellken Slip-On Loafer - , Business Class New Mens/Gents Black Winged Toe Cap Brouge Style Shoes Wider Fitting. - Black - UK SIZES 6-12 - adidas NEO V Racer 2.0 BC0107 BLUE/FTWR WHITE/MYSTERY BLUE (UK 9 EU 43) - Dunlop Flying Arrow Shoes – Grey (42) - , adidas Men’s Jazz and Contemporary White (Footwear White/Footwear White/Green) , adidas Men’s Tubular Shadow Trainers Black (Core Black/Core Black/Clear Brown) Cofra JV035-000.W46 Size 46 S1 P SRC "New Blade" Safety Shoes - Beige - Caterpillar Mens Electric 6" Safety Work Boot - Brogini Tivoli Short Zip up Boot Brown , Cobian Mens Mens OTG OTG Clay , Clarks Men’s Brixby Cove Closed Toe Sandals, Brown Brown (Dark Brown Lea ----) , Men s Slip On Driving Shoes Genuine Leather Loafers Mens Moccasins Large Size 48 Brown , NBWE Men s Shoes Spring Summer New Hollow Breathable Men Business Formal Wear Leather Shoes British Lace-up Low Shoes Brown1 , NBWE WENLSummer Men s Open Toe Sandals & Slippers Lace-up Shoes Beige Platform Soft Comfortable Rubber Sole Gray SK Studio Men s Winter Waterproof Leather Boots Black , Nunn Bush mens Harley St Moc Toe Boot Burgandy Regatta TRK117 87BF46 Boots - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - 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.

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ECCO Men’s Intrinsic 2 ECCO Low-Top Sneakers, Grün Green (Tarmac 2/Black-Tarmac) Green (Tarmac/Black-tarmac 50631) bd276e6 - poyigut.site

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