Learn some of the basics about retirement and pension benefits.

Planning ahead can help ensure that you have a secure, comfortable retirement. The Social Security Administrations retirement plannerincludes:

You might also find these publications helpful:

Taking the Mystery Out of Retirement Planning Top 10 Ways to Plan for Retirement

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If you work for, or retired from, a job with a traditional pension plan, the benefits you've earned will be paid to you even if the company runs into financial problems.

ThePension Benefit Guaranty Corporation (PBGC) is a government agency that:

More than 38 million people in the U.S.havent claimed pension benefitsthey have earned.Find out if you, or someone you know, isowed a pension.

The Administration on Aging (AoA) offers Pension Counseling and Information that assists older Americans in accessing information about their retirement benefits and helps them to negotiate with former employers or pension plans for due compensation.

The IRS offers information to help you determine whether or not your pension or annuity income is taxable.

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Retirement | USA.gov

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Overview

New Jersey or the Garden State is the fourth smallest state in the United States. It is bordered by New York, Pennsylvania, Delaware and the Atlantic Ocean. Home to hundreds of 55+ active adult and retirement communities, New Jersey is a place where many individuals prefer to live. While that may have been surprising back in the early days of resort-style active adult communities, developers now know that many empty nesters and retirees enjoy staying close to their hometowns. Choosing an active adult retirement community in New Jersey close to home allows them to live within easy distance of family and friends, while still enjoying the benefits of an age-restricted, resort-style community.

Climate & Geography

New Jersey is a small, yet populated, northeastern state surrounded by water except along the northern border with New York. It has four main land regions, the Atlantic Coastal Plain, Piedmont, New England Upland and Appalachian Ridge and Valley Region. New Jersey has a fairly moderate climate due to it being situated next to the Atlantic Ocean.

New Jersey s climate includes both humid subtropical and humid continental areas. Summers are hot and humid with daytime temperatures in the high 80 s to low 90 s, especially in the southern half of the state. The more northern regions sit at a higher elevation and tend to be a bit cooler year-round. The winters are cold with daytime temperatures that usually stay below 45 degrees. Snow is common in the winter, though the amount varies from one year to the next.

Recreation, Culture & Entertainment

New Jersey plays a big role in the pharmaceutical industry, financial industry, chemical development, telecommunication, food processing, electric equipment, printing and publishing and tourism. The agriculture productions are nursery stock, horses, vegetables, fruits and nuts, seafood and dairy products.

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New Jersey Retirement Communities & 55+ Active Adult ...

Many private colleges offer academic merit aid scholarships of between $15,000 and $25,000 per year based on good grades and test scores, but estimating ahead of time what your child will get isn't easy. Here are three examples of colleges offering a lot of money, but different ways of qualifying for it. read

Elite private colleges don't award financial aid based on good grades and high SAT or ACT scores. The only way to lower your cost at an elite college like the Ivies, Stanford or Duke, is for your family to show a need for aid based on your finances. If you don't, you'll be expected to write a check for sticker price. However, there are hundreds of excellent private colleges offering $5,000 - $25,000 per year based on good grades and test scores. Public universities are creating more and more Honors[...] read

Student loan rates have dropped for the 2015-2016 academic year, making borrowing for college less expensive, but students and parents should still try to avoid college debt if possible. read

Risk is an inherent part of life. read

Life settlements may seem like found money to investors, but you can get ripped off by selling your life insurance policy. Here's how to avoid trouble. read

The economy remains weak and stocks continue to rise. This cannot continue indefinitely. read

You've probably heard or read about all kinds of strategies that will make you rich investing. They go by many names, but they all follow the same basic idea: Zigging when others zag. It might be buying sectors at certain points of the business cycle. Or stocks that have been bid down to unusual lows. Or only owning stocks ahead of elections, when Congress is out of session or the moon is full. Yet any kind ofmarket timingor stock selection strategy depends on the same basic mechanism[...] read

In conversations recently with several people who are very close to retiring (within the next 3-6 months), the financial planning rule of thumb of a 4% safe withdrawal rate has come up in their discussions. It seems as though its become an almost universally accepted rule and is rarely questioned. To combat complacency and willing acceptance, I routinely question it, making it the starting point for conversations regarding retirement income. read

Today's question asks how having taken an early retirement benefit will affect the amount of a later spousal benefit. The answer explains how excess spousal and survivor benefits are calculated and reviews the effects of claiming early. read

A 529 College Savings Plans is Still a Good Idea to Avoid College Loans. Here are some of the best plans. read

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Forbes - Retirement Information and Retirement News ...

Sources: Social Security Administration; Federal Reserve of Philadelphia; Department of Labor.

This calculator estimates how much you'll need to save for retirement. To make sure you're thinking about the long haul, we assume you'll live to age 92. But you could live to be 100 or incur large medical bills early on in retirement that may raise your costs even further. Social Security is factored into these calculations, but other sources of income, such as pensions and annuities, are not. All calculations are pre-tax.

The results offer a general idea of how much you'll need and are not intended to be investment advice. The results are presented in both future dollars (at retirement) and today's dollars, which is calculated using an inflation rate of 2.3%.

First, we determine what your income will be at the time you retire by growing your current income at an annual rate of 3.8% (the inflation rate of 2.3%, plus the salary growth rate of 1.5%). We then assume you can live comfortably off of 85% of your pre-retirement income. So if you earn $100,000 the year you retire, we estimate you will need $85,000 during the first year of retirement. For each subsequent year, we increase your income need by 2.3% to keep up with inflation. We then factor in Social Security by subtracting your estimated benefits (more on that below) since that income will reduce the amount you will need to save.

The second step is to calculate the total savings you will need at the time you retire, in order to generate enough income for each year of retirement. To do this, we determine what it would cost to purchase a fixed income annuity, with inflation-adjusted payments, using a discount rate (or rate of return) of 6%. The cost to purchase this hypothetical annuity is your target savings goal.

To figure out how much you will save by the time you retire, we first estimate your future income by growing your current income at a rate of 3.8% (the inflation rate of 2.3%, plus the salary growth rate of 1.5%). Then, we determine what the sum of your annual contributions will be between now and retirement. We assume your current savings and future contributions are invested and will earn an average annual rate of return of 6%.

We estimate your Social Security benefits based on the assumption that you will have worked at least 35 years and will start collecting benefits at age 67. For most people who are working today, that's considered full retirement age. If you plan on retiring after age 67, we assumed the benefits are invested (along with your savings) and grown at the same average rate of return of 6%. We use your estimated pre-retirement income to calculate your estimated annual Social Security benefits, based on current benefit formulas and accounting for inflation. To better understand your actual Social Security benefits, please visit http://www.ssa.gov.

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Retirement Calculator | CNNMoney

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Welcome to the Retirement Net - Retirement Communities and ...

Active Adult Living has been on the internet since 1998 - longer by far than any other web sites out there. Active Adult Living has done the homework when it comes to 55+ age restricted active adult communities. We feature active adult communities, 55+ communities, as well as age targeted communities, retirement villages, condominiums, urban living, and rentals .... Active Adult Living is easy to navigate for boomers, seniors and empty nesters to find their perfect home to buy or to rent. We have THOUSANDS of active adult communities for ...read more

On average, Americans consume about 130 pounds of the sweet stuff each year. Sugar is EVERYWHERE. Check any label at the grocery store and you'll find it in everything from ketchup to lunch meat. Sugar releases the feel good chemical dopamine into the brain, so it's no wonder in our high stress world that so many reach for sweet solace. Did you know that research has likened the addiction to sugar to that of cocaine? I'm not saying quit sugar all together, but there is a way to free yourself from the "sugar trap."

Protein deficiency has been linked to increased sugar cravings. ...read more

It's easy to get stuck in a flavor rut when it comes to cooking with herbs. You buy cilantro for taco night, and what doesn't get used sits in the fridge until it wilts. Sound familiar? Herbs add a fresh flavor to slow cooked dishes, and even cocktails.

Experiment with different herb/food pairings to discover your favorites! Here are some that I find most commonly available, and that are easy to mix and match.

Parsley isn't just for garnish. It's peppery flavor is perfect in virtually any recipe, and adds a burst of freshness, and color. It's a great last minu...read more

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55+ Active Adult Retirement Community Villages | Sales ...

A secure, comfortable retirement is every worker's dream. And now because we're living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did.

Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances.

This planner provides detailed information about your Social Security retirement benefits under current law. It also points out things you may want to consider as you prepare for the future. If you are:

You are exiting the Social Security Administration's website.

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Disclaimer

The Social Security Administration (SSA) website contains links to websites not affiliated with the United States government. These may include State and Local governmental agencies, international agencies, and private entities.

SSA cannot attest to the accuracy of information provided by such websites. If we provide a link to such a website, this does not constitute an endorsement by SSA or any of its employees of the information or products presented on the non-SSA website.

Also, such websites are not within our control and may not follow the same privacy, security or accessibility policies. Once you visit such a website, you are subject to the policies of that site.

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Retirement Planner: Plan For Your Retirement

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Louisiana

Good housing deals, warm weather and great culinary culture are drawing boomers to Louisianaand not just to New Orleans.

For many retirees, Minnesota Nice and a booming economy make up for the states cold weather.

A hip food scene and cultural attractions enhance Oregons natural beauty, in Portland and beyond.

For retirees, New Mexico offers a cultural melting pot with a friendly year-round climateand a lower cost of living than Arizona or Colorado.

Taking advantage of New Yorks cultural buzz without paying Manhattan-like real-estate prices.

Mild weather, affordable real estate and college-town culture draw retirees to the Bluegrass State.

Good deals on real estate are helping boomers retire to the Riviera of the Midwest.

A comfortable climate and reasonable real-estate prices lured the Vanderbilts in the 1890s; now those same assets are luring boomer retirees.

Tucked away among the cornfields are some great real estate bargains and cultural destinations for retirees. We look at the pros and cons of retiring in Cedar Falls, Decorah, Ames and Urbandale.

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Retirement Planning - Financial Planning for Retirement ...

The Illinois Supreme Court ruled unanimously on May 8, 2015 that the 2013 state law overhauling Teachers Retirement System benefits is unconstitutional.

The high court decided that changes in retirement benefits enacted by the law violated the Pension Protection Clause of the Illinois Constitution. This decision upholds a 2014 ruling by a Sangamon County Circuit Court and is the final chapter in the legal challenge to the law.

With this decision, TRS members in Tier I and Tier II will see no changes in the administration of their retirement benefits. The current retirement benefit calculation, cost-of-living-adjustment calculation, active member contribution rate, eligibility standards for retirement and all other current laws governing teacher pensions will not be changed.

To read the Illinois Supreme Courts decision in this case, select this link: Supreme Court Decision

During this year's Teacher Appreciation Week, your retirement system would like to thank you for choosing a career in education. As you continue to prepare children for their futures, TRS will continue to work diligently to preserve your well-deserved retirement. We join schoolchildren and parents throughout Illinois in saluting your professionalism and dedication to your students. Thank you!

Andrew J. Hirshman of Oak Park and Cinda J. Klickna of Rochester were elected by active TRS members on May 1 to the Systems Board of Trustees, according to preliminary results released by TRS. In addition, Daniel Winter of Decatur will fill a seat on the Board selected by retired members.

For more information on the election results, please read the press release.

The annual Benefits Choice Period for the Teachers Retirement Insurance Program (TRIP) will be May 1 through June 1, 2015. Detailed TRIP information booklets are mailed by the Illinois Department of Central Management Services during this time.

The Benefits Choice Period is the time that TRIP participants not currently enrolled in a Medicare Advantage Prescription Drug insurance plan may change health insurance carriers or add an eligible dependent to their insurance coverage, provided that the dependent has not been enrolled in TRIP previously.

For more information please visit the TRS TRIP page or the CMS Benefit Choice website.

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Illinois Teachers Retirement System