<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Bankrate.com &#187; Retirement</title>
	<atom:link href="http://www.bankrate.com/financing/category/retirement/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.bankrate.com/financing</link>
	<description>A Financial Blog</description>
	<lastBuildDate>Thu, 09 Feb 2012 22:48:02 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>Buffett&#8217;s investment lesson</title>
		<link>http://www.bankrate.com/financing/retirement/buffetts-investment-lesson/</link>
		<comments>http://www.bankrate.com/financing/retirement/buffetts-investment-lesson/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 22:36:16 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Warren Buffett]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11237</guid>
		<description><![CDATA[Fidelity Investments, which manages more 401(k) accounts than any other company, released a good-news/bad-news quarterly retirement planning report today.
The good news is employees are saving more, and employers are shelling out more in matches. Employee contributions rose in 2011 to $5,750, up from $5,680 in 2010. At the same time, employers kicked in an average]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/buffetts-investment-lesson/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retiring in a new home</title>
		<link>http://www.bankrate.com/financing/retirement/retiring-in-a-new-home/</link>
		<comments>http://www.bankrate.com/financing/retirement/retiring-in-a-new-home/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 14:23:17 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11211</guid>
		<description><![CDATA[The National Association of Home Builders is holding its annual convention in Orlando this week, and one of the major themes is the growth of the age-55-plus market. It's a bright spot in a business that has been dismal for five years.
W. Don Whyte, president of Kennecott Land in South Jordan, Utah, and chair of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retiring-in-a-new-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to save Humpty-Dumpty</title>
		<link>http://www.bankrate.com/financing/retirement/how-to-save-humpty-dumpty/</link>
		<comments>http://www.bankrate.com/financing/retirement/how-to-save-humpty-dumpty/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 17:23:19 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[working]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11174</guid>
		<description><![CDATA[Sarah Toevs, director of the Center for Aging at Boise State University, calls the baby-boomer bulge "Humpty-Dumpty," after the egg-shaped population bulge all those births caused. She sees Humpty as a retirement-planning problem of major proportions.
For at least a millennium, the population has been distributed with a large base of young people at the bottom]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/how-to-save-humpty-dumpty/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A multicultural retirement</title>
		<link>http://www.bankrate.com/financing/retirement/a-multicultural-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/a-multicultural-retirement/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 21:32:35 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[African-American]]></category>
		<category><![CDATA[Asian]]></category>
		<category><![CDATA[Hispanic]]></category>
		<category><![CDATA[multi-cultural]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11155</guid>
		<description><![CDATA[I grew up in West Virginia in a family where "waste not, want not" was practically a religious tenet. It has taken me at least 50 years to get over the notion that leaving food on my plate isn't a sin. So I found the study that retirement services provider ING US released last week]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/a-multicultural-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Annuities in 401(k)s get a boost</title>
		<link>http://www.bankrate.com/financing/retirement/annuities-in-401ks-get-a-boost/</link>
		<comments>http://www.bankrate.com/financing/retirement/annuities-in-401ks-get-a-boost/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 11:00:39 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401(k)s]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11137</guid>
		<description><![CDATA[Last week, the U.S. Treasury Department proposed changing Internal Revenue Service rules to make it easier for people saving for retirement -- or actually living in retirement -- to use some of the money in their 401(k)s to buy annuities that guarantee monthly payments until they die. These changes are a real retirement-planning boon.
Here are]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/annuities-in-401ks-get-a-boost/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401(k) fees hidden &#8217;til August</title>
		<link>http://www.bankrate.com/financing/retirement/401k-fees-hidden-til-august/</link>
		<comments>http://www.bankrate.com/financing/retirement/401k-fees-hidden-til-august/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 22:01:43 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401(k) fee disclosure]]></category>
		<category><![CDATA[401(k) plans]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11139</guid>
		<description><![CDATA[401(k) fee disclosures have been delayed once again. A couple of years ago, we were promised that by January of 2012, we would be told how much our 401(k) plans cost. Then last July, the Department of Labor issued a final regulation, postponing the effective date for 401(k) fee disclosure to April 1 of 2012]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/401k-fees-hidden-til-august/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Owe less and live better</title>
		<link>http://www.bankrate.com/financing/retirement/owe-less-and-live-better/</link>
		<comments>http://www.bankrate.com/financing/retirement/owe-less-and-live-better/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 21:01:16 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11100</guid>
		<description><![CDATA[Retirement planning gurus often say flatly that you MUST replace 80 percent of your income and you can ONLY spend 4 percent of your nest egg annually.
These are great rules of thumb, but for some people, they don't make a lot of sense. I propose a different rule, one that works for almost everyone  --]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/owe-less-and-live-better/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Medicare and individual rights</title>
		<link>http://www.bankrate.com/financing/retirement/medicare-and-individual-rights/</link>
		<comments>http://www.bankrate.com/financing/retirement/medicare-and-individual-rights/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 17:30:55 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[the Affordable Care Act]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11052</guid>
		<description><![CDATA[If Medicare is a vital part of your retirement planning, pay attention to what is happening with the fight over health care reform.
In November, the U.S. Supreme Court agreed to consider the constitutionality of the Patient Protection and Affordable Care Act, better known as health care reform or ObamaCare. The court will decide three separate]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/medicare-and-individual-rights/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>PBGC won&#8217;t let American fly away</title>
		<link>http://www.bankrate.com/financing/retirement/pbgc-wont-let-american-fly-away/</link>
		<comments>http://www.bankrate.com/financing/retirement/pbgc-wont-let-american-fly-away/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 20:33:02 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[PBGC]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11030</guid>
		<description><![CDATA[Hurray for the Pension Benefit Guaranty Corp., the federal pension insurance agency that protects consumers from losing their corporate pensions. The PBGC  isn't rolling over and accepting bankrupt American Airline's move to dump its pension obligations on the PBGC.
Instead, the PBGC filed liens today against American Airlines after the airline failed to make all but]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/pbgc-wont-let-american-fly-away/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Retirement on the edge</title>
		<link>http://www.bankrate.com/financing/retirement/retirement-on-the-edge/</link>
		<comments>http://www.bankrate.com/financing/retirement/retirement-on-the-edge/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 22:22:01 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[lump sum]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11015</guid>
		<description><![CDATA[I heard a retirement planning horror story this morning, and I'll share it with you.
Because the law changed this year, making things simpler and more financially advantageous for employers, more companies with frozen defined benefit retirement plans are offering employees and former employees a lump-sum payout. If you decide to accept their offer -- you]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retirement-on-the-edge/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Women are different</title>
		<link>http://www.bankrate.com/financing/retirement/women-are-different/</link>
		<comments>http://www.bankrate.com/financing/retirement/women-are-different/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 11:00:20 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[women]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10995</guid>
		<description><![CDATA[If you are old enough to be worried about retirement planning, then you already know women are different than men.
Ameriprise Financial has been studying that truth, and it has come up with at least five ways women plan for retirement differently than men. None of them should surprise you.

Women want to stay close to family.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/women-are-different/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security payday</title>
		<link>http://www.bankrate.com/financing/retirement/social-security-payday/</link>
		<comments>http://www.bankrate.com/financing/retirement/social-security-payday/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 23:00:30 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10997</guid>
		<description><![CDATA[You hear all the time that you should wait until full retirement age -- or until age 70 if you can -- before collecting Social Security benefits. But is that the best advice, or is it simplistic?
The February issue of Kiplinger's Retirement Report illustrates the benefits of delaying in the article, "On the homestretch to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/social-security-payday/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial security elusive</title>
		<link>http://www.bankrate.com/financing/retirement/financial-security-elusive/</link>
		<comments>http://www.bankrate.com/financing/retirement/financial-security-elusive/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 20:45:30 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Financial Security Index]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10959</guid>
		<description><![CDATA[Many people living in retirement are feeling more financially pinched this  January than they did 12 months ago, according to a survey of financial  security conducted for Bankrate.com.
The survey looked at all ages and all employment situations, and you can see the overall results here. But I was interested in seeing how retirement]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/financial-security-elusive/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Candidates vague on Social Security</title>
		<link>http://www.bankrate.com/financing/retirement/candidates-vague-on-social-security/</link>
		<comments>http://www.bankrate.com/financing/retirement/candidates-vague-on-social-security/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 22:58:52 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[2012 Presidential election]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10903</guid>
		<description><![CDATA[As we enter the full-blown political silly season, it's hard to know where the politicians stand on the one topic that most older people can agree on -- Social Security. For almost everybody living in retirement or getting close to making their retirement planning a reality, Social Security is an important piece.
But nailing down the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/candidates-vague-on-social-security/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Digital future for healthcare</title>
		<link>http://www.bankrate.com/financing/retirement/digital-future-for-healthcare/</link>
		<comments>http://www.bankrate.com/financing/retirement/digital-future-for-healthcare/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 21:47:52 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[digital]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10868</guid>
		<description><![CDATA[Sixty-four year-old Clem Bezold, senior futurist at the Institute for Alternative Futures, which is funded by the Kresge Foundation, released a report today that speculates on health care in 2025 -- only 13 years from now.
The report says that while it's likely Medicare and Medicaid will have been trimmed by at least 20 percent, the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/digital-future-for-healthcare/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Saving for retirement in 2060</title>
		<link>http://www.bankrate.com/financing/retirement/saving-for-retirement-in-2060/</link>
		<comments>http://www.bankrate.com/financing/retirement/saving-for-retirement-in-2060/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 21:19:05 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10840</guid>
		<description><![CDATA[Last week, Vanguard launched a Target Retirement 2060 Fund aimed at those people 18 to 20 years old who expect to retire 48 years from now.
Most of the people reading this and I will be pushing up daisies by then, but for anyone just starting out in life, this is a great retirement planning tool.
The]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/saving-for-retirement-in-2060/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Romney&#8217;s retirement plan</title>
		<link>http://www.bankrate.com/financing/retirement/romneys-retirement-plan/</link>
		<comments>http://www.bankrate.com/financing/retirement/romneys-retirement-plan/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 11:00:02 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10783</guid>
		<description><![CDATA[Mitt Romney's retirement planning conundrum is a problem I wouldn't mind having.
Unlike most of us, Romney  has somewhere between $20.7 million and $101.6 million in his IRA, according to his federal financial disclosure report. That news has some people up in arms and others just plain jealous.
The Wall Street Journal speculated last week on how]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/romneys-retirement-plan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Portrait of a retired artist</title>
		<link>http://www.bankrate.com/financing/retirement/portrait-of-a-retired-artist/</link>
		<comments>http://www.bankrate.com/financing/retirement/portrait-of-a-retired-artist/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 23:00:25 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[artist]]></category>
		<category><![CDATA[CD rates]]></category>
		<category><![CDATA[corporate bonds]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10776</guid>
		<description><![CDATA[I firmly believe everyone is dealt certain gifts, which they should develop for the betterment of their own lives as well as that of the community. If we're lucky, we can base our livelihoods on these gifts and enjoy their fruits during retirement.
At age 77, artist Thomas Muhl exemplifies someone who has done just that. He]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/portrait-of-a-retired-artist/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Hang onto annuities that pay well</title>
		<link>http://www.bankrate.com/financing/retirement/hang-onto-annuities-that-pay-well/</link>
		<comments>http://www.bankrate.com/financing/retirement/hang-onto-annuities-that-pay-well/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 21:28:13 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10743</guid>
		<description><![CDATA[Here's some more retirement planning advice for people who are more concerned about safety than returns.
If you have a fixed-rate annuity with a guaranteed minimum floor of 3 percent, don't be in a hurry to surrender it, advises Investment News, a publication written for investment advisers.
Six or seven years ago, that was a common minimum]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/hang-onto-annuities-that-pay-well/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What went down must come up</title>
		<link>http://www.bankrate.com/financing/retirement/what-went-down-must-come-up/</link>
		<comments>http://www.bankrate.com/financing/retirement/what-went-down-must-come-up/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 20:44:46 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Treasuries]]></category>
		<category><![CDATA[U.S. bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10724</guid>
		<description><![CDATA[A few years ago, cautious investors living in retirement put their savings in long-term U.S. bonds and happily collected 6 percent. Today, that isn't much of an option because rates are below 2 percent. Even conservative investors like my CPA husband can't find much good to say about that rate of return -- no matter]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/what-went-down-must-come-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Getting women to talk about money</title>
		<link>http://www.bankrate.com/financing/retirement/getting-women-to-talk-about-money/</link>
		<comments>http://www.bankrate.com/financing/retirement/getting-women-to-talk-about-money/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:46:13 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[women]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10714</guid>
		<description><![CDATA[My mother would roll over in her grave if she knew that I wrote about money and occasionally put my personal experiences with it in print for anybody to read.
So I thought it wasn't at all surprising when the Transamerica Center for Retirement Studies asked women in their 50s and 60s if they ever discussed]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/getting-women-to-talk-about-money/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>No-cost retirement assets</title>
		<link>http://www.bankrate.com/financing/retirement/no-cost-retirement-assets/</link>
		<comments>http://www.bankrate.com/financing/retirement/no-cost-retirement-assets/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 11:00:31 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10670</guid>
		<description><![CDATA[In honor of the Dr. Martin Luther King Day of Service, here are some thoughts on retirement planning that don't rely on accumulating a large pot of money.
Not everything that contributes to a financially stable retirement costs money. If you can accumulate these five assets, you are well on your way to a comfortable old]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/no-cost-retirement-assets/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Worrying about kids&#8217; retirement</title>
		<link>http://www.bankrate.com/financing/retirement/worrying-about-kids-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/worrying-about-kids-retirement/#comments</comments>
		<pubDate>Sun, 15 Jan 2012 11:00:29 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10665</guid>
		<description><![CDATA[Our grown children were with us for the holidays, and during that time, we talked to all of them about money and retirement planning -- ours and theirs.
A few weeks after the last of them left, I'm still chewing over our conversations.
The good news is that our older two are in much better shape than]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/worrying-about-kids-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The quintessential retirement</title>
		<link>http://www.bankrate.com/financing/retirement/the-quintessential-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/the-quintessential-retirement/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 18:51:06 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Winnebago]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10619</guid>
		<description><![CDATA[Winnebago Chairman of the Board Bob Olson, 60, is hanging up his work boots this month. After 43 years of working for a company that promotes leisure travel, he and his wife Kathy are going to follow company advice and take an extended Winnebago road trip. "We're going to spend a month on the road.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/the-quintessential-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Medicare is a blessing</title>
		<link>http://www.bankrate.com/financing/retirement/medicare-is-a-blessing/</link>
		<comments>http://www.bankrate.com/financing/retirement/medicare-is-a-blessing/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 22:42:28 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10605</guid>
		<description><![CDATA[The cost of health care is a real retirement planning wild card. That makes being able to depend on Medicare coverage a blessing, even if it's not the total answer.
Bankers Life, which is a provider of Medicare supplement and Advantage programs, surveyed Americans between the ages of 47 and 75 who had household incomes between]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/medicare-is-a-blessing/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Charity begins at home</title>
		<link>http://www.bankrate.com/financing/retirement/charity-begins-at-home/</link>
		<comments>http://www.bankrate.com/financing/retirement/charity-begins-at-home/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 20:18:44 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10582</guid>
		<description><![CDATA[Our retirement planning ought to insure that we can stand on our own two feet without relying on somebody else's help, but it's a good feeling to know that if things don't go as planned,  a family member will be willing to step in and help out.
It doesn't matter what generation they are, Americans still]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/charity-begins-at-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Suing over your 401(k) loss</title>
		<link>http://www.bankrate.com/financing/retirement/suing-over-your-401k-loss/</link>
		<comments>http://www.bankrate.com/financing/retirement/suing-over-your-401k-loss/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 20:34:23 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[class action]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10567</guid>
		<description><![CDATA[One result of the Great Recession was a terrifying decline in 401(k) values that hit people who were too heavily invested in their employer's stock especially hard. Many of those employees and former employees have sued, saying their employers were wrong in requiring or even encouraging workers to invest in company equities.
Attorney Gerald L. Maatman,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/suing-over-your-401k-loss/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>California leading the way</title>
		<link>http://www.bankrate.com/financing/retirement/california-leading-the-way/</link>
		<comments>http://www.bankrate.com/financing/retirement/california-leading-the-way/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 11:00:07 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[incentive]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10546</guid>
		<description><![CDATA[The University of California system is introducing a new phased-in retirement plan to encourage older university staffers to retire over a maximum three-year period. This program is likely to become a retirement-planning trend.
The state of California has sharply curtailed funding of its university systems, explains spokeswoman Dianne Klein. The cutbacks came at a time when]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/california-leading-the-way/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Grandma a crack addict?</title>
		<link>http://www.bankrate.com/financing/retirement/is-grandma-a-crack-addict/</link>
		<comments>http://www.bankrate.com/financing/retirement/is-grandma-a-crack-addict/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 22:19:10 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10549</guid>
		<description><![CDATA[As you prepare for retirement, are you more concerned about money -- how to convert your savings into a lifelong income stream -- than about the radical change of lifestyle you will experience when you quit your job for good?
Apparently, many retirees are having difficulty coping. The January issue of Investment Advisor reveals a startling]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/is-grandma-a-crack-addict/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Will retiring now pay off?</title>
		<link>http://www.bankrate.com/financing/retirement/will-retiring-now-pay-off/</link>
		<comments>http://www.bankrate.com/financing/retirement/will-retiring-now-pay-off/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 19:11:03 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[public service]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10494</guid>
		<description><![CDATA[For many people who are employed in public service jobs, this year's retirement planning dilemma is the downsizing of retirement benefits. These cuts usually don't affect people already retired or retiring soon -- although reductions in interest rates and inflation adjustments may.
For some public employees close to retirement age, retiring right away will net them]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/will-retiring-now-pay-off/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Considering long-term care</title>
		<link>http://www.bankrate.com/financing/retirement/considering-long-term-care/</link>
		<comments>http://www.bankrate.com/financing/retirement/considering-long-term-care/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 22:09:21 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Class]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10473</guid>
		<description><![CDATA[The Community Living Assistance Services and Supports Act, or CLASS Act, has been dismissed, but that doesn't diminish the need to consider long-term care as a part of retirement planning.
CLASS was part of the health care reform law. It would have created a national voluntary long-term care insurance program, providing working adults with a cash]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/considering-long-term-care/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Practice retirement in 2012</title>
		<link>http://www.bankrate.com/financing/retirement/practice-retirement-in-2012/</link>
		<comments>http://www.bankrate.com/financing/retirement/practice-retirement-in-2012/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 19:15:12 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10437</guid>
		<description><![CDATA[Whenever my husband speaks about fully retiring, he brings up the name of an old friend who hung up his work boots when he turned 65 -- without doing an ounce of retirement planning.
This man had spent the last 30 years of his life as a top-level corporate executive, working constantly. He retired with plenty]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/practice-retirement-in-2012/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Support the SAVE Act</title>
		<link>http://www.bankrate.com/financing/retirement/support-the-save-act/</link>
		<comments>http://www.bankrate.com/financing/retirement/support-the-save-act/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 11:00:12 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10425</guid>
		<description><![CDATA[Only 19 percent of small businesses offer their employees a 401(k) or other employee self-funded retirement plan, according to a survey last fall by Nationwide Financial of more than 500 small business owners.
A 401(k) savings plan seems like an inexpensive perk -- a few hundred to a few thousand dollars for the paperwork. Without matching]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/support-the-save-act/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How old is old?</title>
		<link>http://www.bankrate.com/financing/retirement/how-old-is-old/</link>
		<comments>http://www.bankrate.com/financing/retirement/how-old-is-old/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 11:31:35 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[aging]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10408</guid>
		<description><![CDATA[I got an invitation recently to link on Facebook with someone who, when I was a young pup, considered an old dog. I worked with him more than 30 years ago and believed then that he was way over the hill.
Obviously, I was wrong. My Facebook friend is not only still kicking, he's also still]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/how-old-is-old/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Resolve to be free</title>
		<link>http://www.bankrate.com/financing/retirement/resolve-to-be-free/</link>
		<comments>http://www.bankrate.com/financing/retirement/resolve-to-be-free/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 20:29:50 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[workplace plan]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10416</guid>
		<description><![CDATA[Are the American people hard and tough about their personal finances, or soft and flabby? Are they taking control of their financial lives or letting them spiral out of control? As we face the New Year, there's no better time to do a self-assessment and make some resolutions.
In recent weeks, several financial companies took the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/resolve-to-be-free/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>7 simple retirement tips</title>
		<link>http://www.bankrate.com/financing/retirement/7-simple-retirement-tips/</link>
		<comments>http://www.bankrate.com/financing/retirement/7-simple-retirement-tips/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 17:50:38 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10367</guid>
		<description><![CDATA[I was listening to a video aimed at human resources personnel whose job in 2012 is to help employees understand their 401(k)s and other retirement planning topics. The speaker was totally focused on this niche audience, but at least some of what he had to say is useful for the rest of us as we]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/7-simple-retirement-tips/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Keeping our wits about us</title>
		<link>http://www.bankrate.com/financing/retirement/keeping-our-wits-about-us/</link>
		<comments>http://www.bankrate.com/financing/retirement/keeping-our-wits-about-us/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 15:48:26 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[aging]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10357</guid>
		<description><![CDATA[My greatest fear is that I will lose my marbles and that every day will be a new adventure.
There was a study not long ago that suggested that as we age, we lose the ability to manage money. The implication was that by the time we are a couple of decades into retirement, we are]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/keeping-our-wits-about-us/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How does your 401(k) stack up?</title>
		<link>http://www.bankrate.com/financing/retirement/how-does-your-401k-stack-up/</link>
		<comments>http://www.bankrate.com/financing/retirement/how-does-your-401k-stack-up/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 21:04:27 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[BrightScope]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10340</guid>
		<description><![CDATA[If you want a great retirement plan, become a Southwest Airlines pilot. It grabbed the top spot on the list of the 30 best 401(k) plans rated by BrightScope, a company that analyzes corporate retirement plans.
Companies were ranked by how quickly employees are able to save enough to retire. Retirement is defined as accumulating enough]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/how-does-your-401k-stack-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retiring jointly but separately</title>
		<link>http://www.bankrate.com/financing/retirement/retiring-jointly-but-separately/</link>
		<comments>http://www.bankrate.com/financing/retirement/retiring-jointly-but-separately/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 11:00:35 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[couples]]></category>
		<category><![CDATA[Fidelity Investments]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10241</guid>
		<description><![CDATA[If you think you and your spouse are the only couple who don't see eye to eye about retirement, don't feel so special. A new study for Fidelity Investments found that most couples have major retirement planning disagreements.
The study found:

 Forty-seven percent of couples approaching retirement don’t agree on whether they will continue to work]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retiring-jointly-but-separately/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Merry Christmas once more</title>
		<link>http://www.bankrate.com/financing/retirement/merry-christmas-once-more/</link>
		<comments>http://www.bankrate.com/financing/retirement/merry-christmas-once-more/#comments</comments>
		<pubDate>Sun, 25 Dec 2011 11:00:55 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10296</guid>
		<description><![CDATA[My husband and I are at the beach for the holidays. We thought it would be just us this year because our kids were all planning to do something else -- like visiting their in-laws or working.
Frankly, we weren't unhappy about their plans. For the last couple of years, we've gone to great lengths to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/merry-christmas-once-more/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting ready to enjoy the ride</title>
		<link>http://www.bankrate.com/financing/retirement/getting-ready-to-enjoy-the-ride/</link>
		<comments>http://www.bankrate.com/financing/retirement/getting-ready-to-enjoy-the-ride/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 11:00:48 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Prudential]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10195</guid>
		<description><![CDATA[So much of the promotion and advertising surrounding retirement focuses on scaring baby boomers straight, persuading them that they need to save money and buy insurance -- or else. It's a constant barrage of negativity.
That's why Prudential Financial's new ad campaign -- on TV, on billboards and online -- is so appealing. Prudential's retirement planning]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/getting-ready-to-enjoy-the-ride/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>&#8216;Time to stop the nonsense&#8217;</title>
		<link>http://www.bankrate.com/financing/retirement/time-to-stop-the-nonsense/</link>
		<comments>http://www.bankrate.com/financing/retirement/time-to-stop-the-nonsense/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 19:27:17 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Medicare Part D]]></category>
		<category><![CDATA[Q1]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10227</guid>
		<description><![CDATA[Being poor isn't part of anybody's retirement planning, but it happens, and for those people, government programs are key to surviving in retirement.
One of the programs left hanging by the high-stakes game of chicken that Congress is playing is a fund called QI, short for Qualified Individual, that pays Medicare Part B premiums for Medicare]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/time-to-stop-the-nonsense/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Planning for special needs</title>
		<link>http://www.bankrate.com/financing/retirement/planning-for-special-needs/</link>
		<comments>http://www.bankrate.com/financing/retirement/planning-for-special-needs/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 20:42:20 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning and special needs trust]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10211</guid>
		<description><![CDATA[If you have a special needs child, grandchild or other loved one you plan to give a significant gift to this holiday or as part of your retirement planning, Shomari Hearn, a certified financial planner with Palisades Hudson Financial Group’s Fort Lauderdale office, advises that you give these gifts carefully.
Hearn, who is an expert in]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/planning-for-special-needs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Another reason to work</title>
		<link>http://www.bankrate.com/financing/retirement/another-reason-to-work/</link>
		<comments>http://www.bankrate.com/financing/retirement/another-reason-to-work/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 22:01:37 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[working]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10178</guid>
		<description><![CDATA[The unemployment rate for people older than 55 is 7.3 percent -- relatively low compared to that of younger people, but a recent report from the Congressional Research Service said once older people have lost a job, it is hard for them to find another. About 50 percent of out-of-work people older than 55 have]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/another-reason-to-work/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lower-earning workers win</title>
		<link>http://www.bankrate.com/financing/retirement/lower-earning-workers-win/</link>
		<comments>http://www.bankrate.com/financing/retirement/lower-earning-workers-win/#comments</comments>
		<pubDate>Sun, 18 Dec 2011 11:00:53 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning and 401(k)]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10147</guid>
		<description><![CDATA[We're only a dozen days from the end of the year, and if you haven't contributed enough to get the full employer match from your 401(k) retirement plan, better get cracking. Here's the reason why.
Some people argue that 401(k) matches actually just reduce the amount of income that employers pay workers. That is, if they]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/lower-earning-workers-win/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Money books for holiday giving</title>
		<link>http://www.bankrate.com/financing/retirement/money-books-for-holiday-giving/</link>
		<comments>http://www.bankrate.com/financing/retirement/money-books-for-holiday-giving/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 20:42:15 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[money books]]></category>
		<category><![CDATA[Wall Street]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10153</guid>
		<description><![CDATA[I'm looking forward to retirement because I'll be able to spend my time reading to my heart's content. My first love is fiction because of its power to transport readers to new realms. But nonfiction titles can expand horizons in a different way.
Free books are one of the few perks enjoyed by journalists, and recently]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/money-books-for-holiday-giving/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Patty Duke embraces retirement</title>
		<link>http://www.bankrate.com/financing/retirement/patty-duke-embraces-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/patty-duke-embraces-retirement/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 20:58:53 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[turning 65]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10113</guid>
		<description><![CDATA[Former child star and current Social Security spokeswoman Patty Duke turned 65 this week.
I used to watch the Patty Duke Show -- in black and white with lots of fuzz. But I didn't care; I was a fan.
Now, 48 years later, I have a perfectly clear, flat screen TV, fuzzy eyesight and a continuing admiration]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/patty-duke-embraces-retirement/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Aging face of unemployment</title>
		<link>http://www.bankrate.com/financing/retirement/aging-face-of-unemployment/</link>
		<comments>http://www.bankrate.com/financing/retirement/aging-face-of-unemployment/#comments</comments>
		<pubDate>Wed, 14 Dec 2011 22:20:20 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[long-term unemployment]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10105</guid>
		<description><![CDATA[About 25 percent of the 5 million Americans who have been unemployed for a year or more are between the ages of 55 and 64. Of those, about half have been unemployed for at least two years, and 26 percent haven't worked in three or more years, according to a survey by the Kaiser Family]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/aging-face-of-unemployment/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Expect an offer to take &#8216;the lump&#8217;</title>
		<link>http://www.bankrate.com/financing/retirement/expect-an-offer-to-take-the-lump/</link>
		<comments>http://www.bankrate.com/financing/retirement/expect-an-offer-to-take-the-lump/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 22:01:18 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[defined benefit]]></category>
		<category><![CDATA[lump sum payout]]></category>
		<category><![CDATA[pension plans]]></category>
		<category><![CDATA[Pension Protection Act of 2006]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10076</guid>
		<description><![CDATA[Get ready to make a retirement planning decision. If you are eligible for a pension from a former employer that is worth more than $5,000, it is likely that early next year you'll hear from that former employer offering you a lump-sum, cash-out option.
This is one of the tenets of the Pension Protection Act, or]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/expect-an-offer-to-take-the-lump/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement makes people happy</title>
		<link>http://www.bankrate.com/financing/retirement/retirement-makes-people-happy/</link>
		<comments>http://www.bankrate.com/financing/retirement/retirement-makes-people-happy/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 20:02:00 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement satisfaction]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10044</guid>
		<description><![CDATA[I like this retirement planning survey from insurance company The Hartford.
It surveyed people living in retirement and found that people who had made the leap were glad they did.

Some 77 percent said, "I am happier now that I am retired."
About 42 percent wish they had retired sooner.
Twenty-two percent say they are retired and feel "peaceful."

I'm]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retirement-makes-people-happy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Reasons to rollover your 401(k)</title>
		<link>http://www.bankrate.com/financing/retirement/reasons-to-rollover-your-401k/</link>
		<comments>http://www.bankrate.com/financing/retirement/reasons-to-rollover-your-401k/#comments</comments>
		<pubDate>Sun, 11 Dec 2011 11:00:04 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401(k) rollover]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10031</guid>
		<description><![CDATA[If you left a 401(k) with a former employer, now might be a good time to reconsider moving it.
The best reason to roll your 401(k) out of your former employer's plan is convenience, says Spencer Williams, who is the CEO of RSI, a Charlotte, N.C., firm that manages retirement account transfers for corporations.  It's a lot]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/reasons-to-rollover-your-401k/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>End payroll tax holiday</title>
		<link>http://www.bankrate.com/financing/retirement/end-payroll-tax-holiday/</link>
		<comments>http://www.bankrate.com/financing/retirement/end-payroll-tax-holiday/#comments</comments>
		<pubDate>Sat, 10 Dec 2011 01:00:46 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10017</guid>
		<description><![CDATA[It's a foregone conclusion that most people want to keep more of their earnings in their pocket by paying less in taxes. But some people are questioning the wisdom of extending the payroll tax cut adopted last year.
Our leader, however, is adamant about extending them.
"This is about making sure that everybody is doing their fair]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/end-payroll-tax-holiday/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Benefits website offers help</title>
		<link>http://www.bankrate.com/financing/retirement/benefits-website-offers-help/</link>
		<comments>http://www.bankrate.com/financing/retirement/benefits-website-offers-help/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 23:19:28 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Benefits Checkup]]></category>
		<category><![CDATA[Medicaid]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[National Council on Aging]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9997</guid>
		<description><![CDATA[For many, retirement brings serious financial challenges. If that's true for you, here's some information to factor into your retirement planning.
More than 80 percent of people 60 and older with incomes that are less than 250 percent of the federal poverty level are eligible for --  but not enrolled -- in one or more government-funded]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/benefits-website-offers-help/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A plan for hanging up your keys</title>
		<link>http://www.bankrate.com/financing/retirement/a-plan-for-hanging-up-your-keys/</link>
		<comments>http://www.bankrate.com/financing/retirement/a-plan-for-hanging-up-your-keys/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 21:07:28 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[driving]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[too old to drive]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9982</guid>
		<description><![CDATA[Does your retirement planning include how you will get around when you are too old to drive?
Florida State University surveyed Floridians 50 and older to determine how they thought they were going to get around when they were no longer able to get behind the wheel themselves.

23 percent said they will rely on family, friends]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/a-plan-for-hanging-up-your-keys/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Index fund fees matter most</title>
		<link>http://www.bankrate.com/financing/retirement/index-fund-fees-matter-most/</link>
		<comments>http://www.bankrate.com/financing/retirement/index-fund-fees-matter-most/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 21:39:49 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9958</guid>
		<description><![CDATA[A team of economic researchers at Harvard University and Yale University rounded up MBA students and staffers and asked them to choose which index funds were the best investments.
Despite having loads of experience and lots of brain power -- the MBA students were from the Wharton School at the University of Pennsylvania, one of the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/index-fund-fees-matter-most/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Retool Social Security now</title>
		<link>http://www.bankrate.com/financing/retirement/retool-social-security-now/</link>
		<comments>http://www.bankrate.com/financing/retirement/retool-social-security-now/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 21:33:53 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Social Security reform]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9935</guid>
		<description><![CDATA[A reform of Social Security has to be chief among the considerations that younger workers have as they think about retirement planning.
A reform plan outlined a year ago by President Barack Obama’s fiscal commission is attracting more attention since the deficit-reduction "Super Committee" failed to agree. Last year's bipartisan panel, chaired by Erskine Bowles and]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retool-social-security-now/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Beware of Medicare reform</title>
		<link>http://www.bankrate.com/financing/retirement/beware-of-medicare-reform/</link>
		<comments>http://www.bankrate.com/financing/retirement/beware-of-medicare-reform/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 11:00:24 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[the Affordable Care Act]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9911</guid>
		<description><![CDATA[Rising Medicare costs are daunting and could adversely affect even the most carefully considered retirement planning, but reforms that aren't well considered could be equally costly.
A new report by the Urban Institute,  a nonprofit public-policy think tank, calculates that the healthcare reform -- the  Affordable Care Act -- will reduce the projected growth]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/beware-of-medicare-reform/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Pension problems run deep</title>
		<link>http://www.bankrate.com/financing/retirement/pension-problems-run-deep/</link>
		<comments>http://www.bankrate.com/financing/retirement/pension-problems-run-deep/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 20:25:14 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[pension plans]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9906</guid>
		<description><![CDATA[No doubt you heard that American Airlines' parent company, AMR, filed for bankruptcy earlier this week. But is it true its underfunded pensions are the main reason behind the filing? That was the question raised in a story appearing on ai-cio.com, an industry publication for institutional investors.
It appears that the company is carrying too much]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/pension-problems-run-deep/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time to review your 401(k)</title>
		<link>http://www.bankrate.com/financing/retirement/time-to-review-your-401k/</link>
		<comments>http://www.bankrate.com/financing/retirement/time-to-review-your-401k/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 18:44:07 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9846</guid>
		<description><![CDATA[Taking a hard look at your 401(k) is a great end-of-the-year retirement-planning step.

Review your bottom line. Are you on target to have an adequate amount of savings on your preferred retirement date? If not, now is the time to take action.
Increase your savings rate. Very few of us are saving too much. Even bumping your]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/time-to-review-your-401k/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Making time for a third career</title>
		<link>http://www.bankrate.com/financing/retirement/making-time-for-a-third-career/</link>
		<comments>http://www.bankrate.com/financing/retirement/making-time-for-a-third-career/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 20:29:42 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[memo]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9823</guid>
		<description><![CDATA[Starting a third career in your 60s is a daunting prospect. But Merilee Griffin, a former high school English and social studies teacher in Lansing, Mich., has practice. She took early retirement from the public school system and went into the public relations business, then she  returned to Michigan State to earn a Ph.D. Her]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/making-time-for-a-third-career/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s a scary time for savers</title>
		<link>http://www.bankrate.com/financing/retirement/its-a-scary-time-for-savers/</link>
		<comments>http://www.bankrate.com/financing/retirement/its-a-scary-time-for-savers/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 04:48:03 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[mass affluent]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9805</guid>
		<description><![CDATA[Companies that make a profit off of providing investment advice are looking hungrily for ways to persuade people involved in retirement planning to turn to them for advice.
While they'd like to grab customers who are really affluent, they are also finding ways to sell their services to what is known as the Mass Affluent --]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/its-a-scary-time-for-savers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of retirement scams</title>
		<link>http://www.bankrate.com/financing/retirement/beware-of-retirement-scams/</link>
		<comments>http://www.bankrate.com/financing/retirement/beware-of-retirement-scams/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 21:36:34 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[SEC and scam]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9778</guid>
		<description><![CDATA[The Securities and Exchange Commission has released a very straight-forward and useful guide to retirement planning scams.
If you are within shouting distance of retirement, chances are you've been approached by someone promising you the moon. Probably, you've been smart enough to say no and run the other direction. But the scammers get better all the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/beware-of-retirement-scams/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Would you privatize Social Security?</title>
		<link>http://www.bankrate.com/financing/retirement/would-you-privatize-social-security/</link>
		<comments>http://www.bankrate.com/financing/retirement/would-you-privatize-social-security/#comments</comments>
		<pubDate>Sun, 27 Nov 2011 11:00:42 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[investment accounts]]></category>
		<category><![CDATA[Newt Gingrich]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9719</guid>
		<description><![CDATA[Former Speaker of the House and current Presidential hopeful Newt Gingrich created a storm last week when he suggested that young people should be allowed to bypass traditional Social Security in favor of private investment retirement accounts.
Under Gingrich's plan, the employer share of Social Security would go to pay benefits for current employees, but younger]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/would-you-privatize-social-security/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Another happy Thanksgiving</title>
		<link>http://www.bankrate.com/financing/retirement/another-happy-thanksgiving/</link>
		<comments>http://www.bankrate.com/financing/retirement/another-happy-thanksgiving/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 11:00:24 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Thanksgiving]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9717</guid>
		<description><![CDATA[I've given up cooking Thanksgiving dinner. My daughter is hosting. I'm making gravy because nobody else has yet mastered how to get it just right.
The best thing about getting old is being able to do what you want -- at least some of the time.
I keep thinking about that as my husband and I contemplate]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/another-happy-thanksgiving/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Challenge of low returns</title>
		<link>http://www.bankrate.com/financing/retirement/challenge-of-low-returns/</link>
		<comments>http://www.bankrate.com/financing/retirement/challenge-of-low-returns/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 15:16:03 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Treasury bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9715</guid>
		<description><![CDATA[Pennsylvania retirement planner Daniel White points out this startling retirement planning calculation:
He says that in 2000, the average Social Security benefit was $840 per month. To make an equivalent amount of money outside of Social Security - $10,080 per year -- a saver who put his money in five-year Treasuries earning the going rate of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/challenge-of-low-returns/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t overlook your RMD</title>
		<link>http://www.bankrate.com/financing/retirement/dont-overlook-your-rmd/</link>
		<comments>http://www.bankrate.com/financing/retirement/dont-overlook-your-rmd/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 21:41:50 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[required minimum distributions]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[RMDs]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9689</guid>
		<description><![CDATA[As of 10 days ago, 66 percent of Fidelity Investments, more than 500,000 IRA customers, who are required by the IRS to take minimum distributions from their retirement accounts for tax year 2011 have not yet taken the full amount. About 55 percent haven't taken any.
Fidelity blames this oversight on market volatility and confusion over]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/dont-overlook-your-rmd/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Turning 100 isn&#8217;t news any more</title>
		<link>http://www.bankrate.com/financing/retirement/turning-100-isnt-news-any-more/</link>
		<comments>http://www.bankrate.com/financing/retirement/turning-100-isnt-news-any-more/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 20:11:14 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[nonagenarian]]></category>
		<category><![CDATA[octogenarian]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[turning 100]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9640</guid>
		<description><![CDATA[I took my first newspaper job 39 years ago this week -- hired sight unseen by the city editor for the Sun Sentinel and now-defunct Fort Lauderdale News on the recommendation of a professor at The Ohio State University.
One of my first assignments was interviewing everybody in the Fort Lauderdale area who turned 100. It]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/turning-100-isnt-news-any-more/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Talk turkey about long-term care</title>
		<link>http://www.bankrate.com/financing/retirement/talk-turkey-about-long-term-care/</link>
		<comments>http://www.bankrate.com/financing/retirement/talk-turkey-about-long-term-care/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 11:00:42 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Alzheimer's]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9616</guid>
		<description><![CDATA[Olympic Gold Medalist Wendy Boglioli, who competed in the 1976 Montreal  games and won a gold and a bronze in swimming, has been a spokesperson  for long-term care insurer Genworth for the last seven years.
At 57, the daughter of a 91-year-old mother, Boglioli speaks from  experience. Last year when I talked to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/talk-turkey-about-long-term-care/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t be shamed; be motivated</title>
		<link>http://www.bankrate.com/financing/retirement/dont-be-shamed-be-motivated/</link>
		<comments>http://www.bankrate.com/financing/retirement/dont-be-shamed-be-motivated/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 22:24:45 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9614</guid>
		<description><![CDATA[The financial industry seems bent on shaming Americans about their retirement readiness -- or lack thereof. About a half-dozen new retirement surveys were released this week alone. Fellow retirement blogger Jennie Phipps wrote about one by Ameriprise Financial yesterday and another by Wells Fargo on Wednesday, the latter of which revealed that a quarter of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/dont-be-shamed-be-motivated/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Ready, aim, freeze</title>
		<link>http://www.bankrate.com/financing/retirement/ready-aim-freeze/</link>
		<comments>http://www.bankrate.com/financing/retirement/ready-aim-freeze/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 19:03:14 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[regional retirement readiness]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9585</guid>
		<description><![CDATA[Where you live appears to have some influence on how prepared you feel for retirement.
For the second year in a row, Ameriprise Financial surveyed people in the 30 largest metropolitan areas and concluded that overall they are feeling significantly less confident about retirement than they did a year ago. The survey measured:

Likelihood consumers have determined]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/ready-aim-freeze/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Is 80 really the new 65?</title>
		<link>http://www.bankrate.com/financing/retirement/is-80-really-the-new-65/</link>
		<comments>http://www.bankrate.com/financing/retirement/is-80-really-the-new-65/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 21:30:36 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9563</guid>
		<description><![CDATA[It looks like retirement is no longer all about sea cruises and rocking on the porch. According to new retirement planning research released today, most people think their last decade or two will be spent on the job.
About 25 percent of people between the ages of 25 and 75 with household income under $100,000 surveyed]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/is-80-really-the-new-65/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Teach your children well</title>
		<link>http://www.bankrate.com/financing/retirement/teach-your-children-well/</link>
		<comments>http://www.bankrate.com/financing/retirement/teach-your-children-well/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 21:26:47 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[poverty]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9532</guid>
		<description><![CDATA[Here's an unsettling retirement planning thought. With our own children grown or nearly grown, we may think that our responsibilities have ended for seeing that the school systems are successfully educating young children and high schools are turning out graduates who are prepared for work or further training. But Nicole Smith, senior economist at the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/teach-your-children-well/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Social Security minimizes risk</title>
		<link>http://www.bankrate.com/financing/retirement/social-security-minimizes-risk/</link>
		<comments>http://www.bankrate.com/financing/retirement/social-security-minimizes-risk/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 20:56:05 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[longevity]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9522</guid>
		<description><![CDATA[If you're feeling nervous about investing your retirement savings in this unstable investment environment, Jerry Golden, who is an actuary as well as a registered investment adviser, thinks you should calm down.
He advises people doing retirement planning to remember they are going to get Social Security, and "Social Security is one of very few financial]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/social-security-minimizes-risk/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Retirement in tough times</title>
		<link>http://www.bankrate.com/financing/retirement/retirement-in-tough-times/</link>
		<comments>http://www.bankrate.com/financing/retirement/retirement-in-tough-times/#comments</comments>
		<pubDate>Sun, 13 Nov 2011 11:00:39 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retiree medical]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9490</guid>
		<description><![CDATA[I live in a little town in Michigan, which has been hard hit by the state's economic problems, making retirement planning a crap shoot for some of its residents.
When I went to vote last week, the mayor, who was up for election but running unopposed because nobody wants the job, was standing outside the polling]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retirement-in-tough-times/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Government got your back?</title>
		<link>http://www.bankrate.com/financing/retirement/government-got-your-back/</link>
		<comments>http://www.bankrate.com/financing/retirement/government-got-your-back/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 16:00:03 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9494</guid>
		<description><![CDATA[Got a question or complaint about your workplace retirement plan (or, for that matter, your health plan)? Now you can go to a new consumer assistance Web page, compliments of the Department of Labor's Employee Benefits Security Administration, or EBSA, and get a reply within three days.
Hopefully, it won't be an automated response like, "We've]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/government-got-your-back/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Staring at your old self</title>
		<link>http://www.bankrate.com/financing/retirement/staring-at-your-old-self/</link>
		<comments>http://www.bankrate.com/financing/retirement/staring-at-your-old-self/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 17:47:25 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9445</guid>
		<description><![CDATA[Remember the first time you heard the Beatles sing "When I'm 64"?
When I get older, losing my hair,
Many years from now ...
Will you still need me, will you still feed me,
When I'm 64?
Paul McCartney wrote it when he was 16 and first recorded it in 1966. I was 15 when I heard it, and 64]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/staring-at-your-old-self/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How would you fix Social Security?</title>
		<link>http://www.bankrate.com/financing/retirement/how-would-you-fix-social-security/</link>
		<comments>http://www.bankrate.com/financing/retirement/how-would-you-fix-social-security/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 22:29:33 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Social Security reform]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9429</guid>
		<description><![CDATA[While the congressional supercommittee fights over ways to cut the deficit, the elephant in the room is Social Security, which is 21 percent of the federal budget, but it's a key part of almost everyone's retirement planning.
Using Social Security's own actuarial numbers, the National Center for Policy Analysis, a free market-leaning nonprofit, analyzed four proposals]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/how-would-you-fix-social-security/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>&#8216;Relax and enjoy the ride&#8217;</title>
		<link>http://www.bankrate.com/financing/retirement/relax-and-enjoy-the-ride/</link>
		<comments>http://www.bankrate.com/financing/retirement/relax-and-enjoy-the-ride/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 21:37:27 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[equities]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9401</guid>
		<description><![CDATA[If the recent stock market volatility is driving you crazy, SeekingAlpha.com contributor David Crosetti has some comforting advice. He thinks people on the verge of retirement or already retired should "relax and enjoy the ride." He says an investor who is 65 years old today can easily meet the 10-year buy-and-hold test because he is]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/relax-and-enjoy-the-ride/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Myths about target date funds</title>
		<link>http://www.bankrate.com/financing/retirement/myths-about-target-date-funds/</link>
		<comments>http://www.bankrate.com/financing/retirement/myths-about-target-date-funds/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 21:20:04 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[investment adviser and target date funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9387</guid>
		<description><![CDATA[Apparently, more than half  -- 51 percent -- of people investing their retirement savings in target-date funds see them as a retirement planning panacea and think that putting their money in them guarantees their retirement income needs will be met.
That unsettling news is from recently released investment management firm AllianceBernstein's Inside the Minds of Plan]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/myths-about-target-date-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to get old gracefully</title>
		<link>http://www.bankrate.com/financing/retirement/how-to-get-old-gracefully/</link>
		<comments>http://www.bankrate.com/financing/retirement/how-to-get-old-gracefully/#comments</comments>
		<pubDate>Sun, 06 Nov 2011 11:00:37 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[assisted living]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9352</guid>
		<description><![CDATA[I talked to my Aunt Thummie today. She's the last of my mother's dozen brothers and sisters. At 91, she has outlived them all.
Until recently, her retirement was an active one. She was able to drive and travel, then she had some setbacks and she's moved into an assisted living facility. I called and told]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/how-to-get-old-gracefully/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Plan for a secure retirement</title>
		<link>http://www.bankrate.com/financing/retirement/plan-for-a-secure-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/plan-for-a-secure-retirement/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 19:47:21 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings calculator]]></category>
		<category><![CDATA[workplace retirement plan]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9355</guid>
		<description><![CDATA[You've heard the serenity prayer, where the supplicant beseeches a higher power for the serenity to accept the things that cannot be changed, courage to change the things that can be changed and wisdom to know the difference.
When applied to retirement planning, we really don't have control over stock market moves, the future of Social]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/plan-for-a-secure-retirement/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Get junior off the couch</title>
		<link>http://www.bankrate.com/financing/retirement/get-junior-off-the-couch/</link>
		<comments>http://www.bankrate.com/financing/retirement/get-junior-off-the-couch/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 20:27:13 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[adult children living at home]]></category>
		<category><![CDATA[boomerang kids]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9311</guid>
		<description><![CDATA[If junior is living in the basement after losing his job or not being able to find one in the first place, consider yourself typical. It's an increasingly commonplace retirement planning dilemma.
According to the U.S. Census, the percentage of men age 25 to 34 living in the home of their parents rose from 14 percent]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/get-junior-off-the-couch/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Sleepless nights and 401(k) matches</title>
		<link>http://www.bankrate.com/financing/retirement/sleepless-nights-and-401k-matches/</link>
		<comments>http://www.bankrate.com/financing/retirement/sleepless-nights-and-401k-matches/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 20:13:19 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401(k) matches]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9276</guid>
		<description><![CDATA[Retirement planning isn't getting any easier.
During the economic crisis two years ago, many companies suspended their 401(k) matches. Last year and in the first half of this year, about 75 percent of firms restored matches but about 25 percent didn't. Of those that renewed the practice, 69 percent brought back the match at a lower]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/sleepless-nights-and-401k-matches/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Will heathcare reform survive?</title>
		<link>http://www.bankrate.com/financing/retirement/will-heathcare-reform-survive/</link>
		<comments>http://www.bankrate.com/financing/retirement/will-heathcare-reform-survive/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 20:51:08 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9259</guid>
		<description><![CDATA[Retirement planning gets trickier when some of the things you may have counted on disappear.
Class Act, the long-term care provision of the Affordable Care Act, was unceremoniously deep-sized last week because the  U.S. Secretary of Health and Human Services said Class Act couldn't be made to work under the provision that required it to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/will-heathcare-reform-survive/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Stifle your inner parent</title>
		<link>http://www.bankrate.com/financing/retirement/stifle-your-inner-parent/</link>
		<comments>http://www.bankrate.com/financing/retirement/stifle-your-inner-parent/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 19:57:31 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9235</guid>
		<description><![CDATA[It doesn't seem very long ago that we baby boomers were the youngest  members of the team, but now many of us gray hairs are  taking direction from people who are 20 or 30 years our junior--  and we're  not always liking it.
Working for someone half your age can encourage you to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/stifle-your-inner-parent/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investing in your offspring</title>
		<link>http://www.bankrate.com/financing/retirement/investing-in-your-offspring/</link>
		<comments>http://www.bankrate.com/financing/retirement/investing-in-your-offspring/#comments</comments>
		<pubDate>Sun, 30 Oct 2011 11:00:32 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Bank of Mom and Dad]]></category>
		<category><![CDATA[inter-family loan]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9208</guid>
		<description><![CDATA[Here's another good retirement planning strategy from Jonathan Bergman, who frequently offers  great ideas to this blog.
Bergman is a certified financial planner and vice president of Palisades Hudson Financial Group in Scarsdale, N.Y.
He says that with today's low returns on investments, it can be a win-win to lend money to adult children who want to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/investing-in-your-offspring/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Retirement planning to age 100</title>
		<link>http://www.bankrate.com/financing/retirement/retirement-planning-to-age-100/</link>
		<comments>http://www.bankrate.com/financing/retirement/retirement-planning-to-age-100/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 21:05:37 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9198</guid>
		<description><![CDATA[You've seen the advertisement where people are walking down a city street carrying their "number" under their arms. It's a large and somewhat cumbersome six- or seven-digit savings goal for each bearer's retirement.
ING has a calculator on its website that enables you to figure out your wealth accumulation target by plugging in five numbers, beginning]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/retirement-planning-to-age-100/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Getting ready for recovery</title>
		<link>http://www.bankrate.com/financing/retirement/getting-ready-for-recovery/</link>
		<comments>http://www.bankrate.com/financing/retirement/getting-ready-for-recovery/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 20:19:39 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Great Recession]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9170</guid>
		<description><![CDATA[Our retirement planning has implications I would never have considered before I talked to an economist yesterday.
Six of the most affluent counties surrounding Detroit -- and not including the county poor beat up Detroit is in -- have lost about 350,000 jobs in the last 10 years. Economist Donald Grimes, senior researcher for the University]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/getting-ready-for-recovery/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>New rule encourages 401(k) advice</title>
		<link>http://www.bankrate.com/financing/retirement/new-rule-encourages-401k-advice/</link>
		<comments>http://www.bankrate.com/financing/retirement/new-rule-encourages-401k-advice/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 21:22:09 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9153</guid>
		<description><![CDATA[I think we can all agree our retirement planning would be a lot easier if we had good, specific and unbiased  advice about how best to manage our 401(k)s.
But laws that protect us from advice that isn't unbiased also have made it very difficult for us to receive any useful retirement investment advice through our]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/new-rule-encourages-401k-advice/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Fix Social Security rationally</title>
		<link>http://www.bankrate.com/financing/retirement/fix-social-security-rationally/</link>
		<comments>http://www.bankrate.com/financing/retirement/fix-social-security-rationally/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 20:06:59 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement rates]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9125</guid>
		<description><![CDATA[An expected 3 million Europeans are preparing to take to the streets in protest next month over government plans to raise the age of public pension eligibility and rejigger how pensions are calculated in a way that will reduce what most people get or would get.
The Financial Times points out that life expectancy is the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/fix-social-security-rationally/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>6 steps to early retirement</title>
		<link>http://www.bankrate.com/financing/retirement/6-steps-to-early-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/6-steps-to-early-retirement/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 19:10:20 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement confidence]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9096</guid>
		<description><![CDATA[Despite the gloomy economy, some workers are convinced they'll be able to retire early. About  21 percent of workers surveyed told Transamerica Center for Retirement Studies they intend to retire before age 65.
What's the secret to their optimism when the remaining 79 percent of workers expect to work past age 65, and 49 percent aren't]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/6-steps-to-early-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Deduct long-term care insurance</title>
		<link>http://www.bankrate.com/financing/retirement/deduct-long-term-care-insurance/</link>
		<comments>http://www.bankrate.com/financing/retirement/deduct-long-term-care-insurance/#comments</comments>
		<pubDate>Sun, 23 Oct 2011 11:00:07 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[long-term care insurance]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9078</guid>
		<description><![CDATA[There are lots of good reasons to start a small business in retirement. Making a little money so you don't have to take as much out of your savings is one of them. But there are others.
I had lunch not long ago at a writers conference and sat next to a woman who was talking]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/deduct-long-term-care-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Contribution limits rise for 2012</title>
		<link>http://www.bankrate.com/financing/retirement/contribution-limits-rise-for-2012/</link>
		<comments>http://www.bankrate.com/financing/retirement/contribution-limits-rise-for-2012/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 21:16:37 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[SIMPLE plans]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9080</guid>
		<description><![CDATA[The IRS yesterday announced changes in cost-of-living adjustments that will affect how much we can contribute to our workplace retirement plans next year.
Actually, it won't affect most people since most people don't contribute up to the limit. In fact, according to a LIMRA survey released earlier this week, 55 percent of adults don't contribute at]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/contribution-limits-rise-for-2012/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t envy government retirees</title>
		<link>http://www.bankrate.com/financing/retirement/dont-envy-government-retirees/</link>
		<comments>http://www.bankrate.com/financing/retirement/dont-envy-government-retirees/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 21:41:16 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[defined benefit pensions]]></category>
		<category><![CDATA[government employees]]></category>
		<category><![CDATA[public employees]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[state and local workers]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9030</guid>
		<description><![CDATA[With most states looking for ways to pay for government employee pension obligation, how much money government employees earn in retirement vs. the rest of us is a hot topic in many retirement planning circles.
The Center of Retirement Research at Boston College examined whether government employees get a better retirement deal, ending up richer than]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/dont-envy-government-retirees/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Social Security ups and downs</title>
		<link>http://www.bankrate.com/financing/retirement/social-security-ups-and-downs/</link>
		<comments>http://www.bankrate.com/financing/retirement/social-security-ups-and-downs/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 18:53:33 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[COLA]]></category>
		<category><![CDATA[cost of living adjustments]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9011</guid>
		<description><![CDATA[It's official: Social Security recipients are getting a 3.6 percent raise, thanks to an increase in the measurement of the cost of living.
My 65-year-old, grumpy, accountant husband  doesn't think this is such great retirement planning news. He points out that Social Security recipients are faring better than savers. He says, "Normally, with 3.6 percent inflation,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/social-security-ups-and-downs/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Getting 20-somethings to save</title>
		<link>http://www.bankrate.com/financing/retirement/getting-20-somethings-to-save/</link>
		<comments>http://www.bankrate.com/financing/retirement/getting-20-somethings-to-save/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 21:16:13 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8985</guid>
		<description><![CDATA[This is National Save for Retirement Week. A good time to encourage the next generation to start doing some retirement planning.
If you've ever tried it, chances are you know that getting kids in their 20s to save is a challenge. One of my sons just cashed out the automatic retirement plan he had when he]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/getting-20-somethings-to-save/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Cautious view of retirement</title>
		<link>http://www.bankrate.com/financing/retirement/cautious-view-of-retirement/</link>
		<comments>http://www.bankrate.com/financing/retirement/cautious-view-of-retirement/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 20:23:36 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8973</guid>
		<description><![CDATA[We went to my husband's Navy reunion last week. The group had shrunk -- 24 guys died last year, a record for us. But the other thing that kept people away from the event in Mobile, Ala., was the cost.
So many people won't or can't travel because they are worried about money. Their savings are]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/cautious-view-of-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Building the forever house</title>
		<link>http://www.bankrate.com/financing/retirement/building-the-forever-house/</link>
		<comments>http://www.bankrate.com/financing/retirement/building-the-forever-house/#comments</comments>
		<pubDate>Sun, 16 Oct 2011 16:10:33 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[home building]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[waterfront]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8919</guid>
		<description><![CDATA[My husband and I are building a house on Lake Erie. We hemmed and hawed about it for a long time and finally decided that this was a part of our retirement planning that we didn't want to forgo, even though the housing economy in Michigan is dreadful.
We came to this conclusion after looking at]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/building-the-forever-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A retirement horror story</title>
		<link>http://www.bankrate.com/financing/retirement/a-retirement-horror-story/</link>
		<comments>http://www.bankrate.com/financing/retirement/a-retirement-horror-story/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 19:43:32 +0000</pubDate>
		<dc:creator>Barbara Whelehan</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8954</guid>
		<description><![CDATA[More than half (54 percent) of full-time workers from ages 21 to 64 participated in their employer's retirement plan last year, according to a report released earlier this week by the Employee Benefit Research Institute. Among all workers, including part-timers, the participation level was 40 percent.
That means a lot of people slip through the cracks.
The]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/a-retirement-horror-story/feed/</wfw:commentRss>
		<slash:comments>42</slash:comments>
		</item>
		<item>
		<title>Is Medicare Advantage for you?</title>
		<link>http://www.bankrate.com/financing/retirement/is-medicare-advantage-for-you/</link>
		<comments>http://www.bankrate.com/financing/retirement/is-medicare-advantage-for-you/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 20:15:02 +0000</pubDate>
		<dc:creator>Jennie Phipps</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Medicare Part D]]></category>
		<category><![CDATA[open enrollment]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8885</guid>
		<description><![CDATA[If you are considering enrolling in a Medicare Advantage plan during this year's open enrollment, which starts Saturday, Oct. 15 and ends Dec. 7 -- earlier than it has in previous years -- be prepared to do some research. This is not a retirement planning decision to be made lightly.
Here's some advice, some of it]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/retirement/is-medicare-advantage-for-you/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

