If you want your income to keep pace with inflation, one challenge is that most traditional pensions aren't increased for inflation. If you'll have significant income from a fixed pension, one way to address inflation is to spend just 75 percent of your pension income during your first year of retirement. Then invest the remainder in a special inflation reserve account. In the second year, increase the amount you spend from your pension by 2 to 3 percent to account for inflation, and invest the remainder in your inflation account. Continue doing this until you're spending your entire pension; then each year thereafter, start drawing from your inflation reserve to make up for inflation.

Lately, I've been who happen to be mothers to understand these questions. Since many women make a point of adjusting their schedules to maximize family time, I figured we could all learn from their strategies for optimizing work and life.

After the Playboy mention, the university stepped up efforts to shut the celebration down. Campus officials last year roped off the site of the smokeout, Norlin Quadrangle, reducing the 4/20 crowd to a few hundred protesters. The school planned another shutdown Saturday.

In fact, some 18 percent of the companies surveyed bysaid they'd recently hiked their education requirements. Now more than half of employers require some college, such as a two-year associate's degree, and 44 percent demand a 4-year degree.

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