AT&T retirees and employees

I'm the phoneshark from Frisco Texas, I started this BLOG because a few of my friends suggested we could gain alot of information from each other... Each one of us has a different idea or planners that is advising us .. On how to invest, lump sum vs single life annunity, retire/not to retire when,how much to will need, and how much it will cost?.. Just to name a few things. I need your HELP, Please post anything pertaining to our retirement that might be helpful to all of us... any personal experinces that would be helpful My planned retirement is March 2009