Circle the Calendar

* Planning for retirement seems to be easier when an employee has picked a target date for quitting work, says Sharon DeVaney, an assistant professor of consumer sciences at Purdue University. In analyzing data from a 1996 national survey on retirement, DeVaney said men seem to plan more for retirement than women, but they also expect to retire younger, between 61 and 64. Women, in comparison, expect to be nearly 65 when they retire.