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    <copyright>Copyright 2012, Bankrate Inc.</copyright>
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      <title>When to take Social Security spousal benefits?</title>
      <description>When can you receive spousal Social Security benefits? Here's how it works for one couple.</description>
      <pubDate>Thu, 09 Feb 2012 00:00:00 GMT</pubDate>
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      <title>Individual investors plan retirement</title>
      <description>Can individual investors accurately assess the importance of saving for retirement?</description>
      <pubDate>Mon, 06 Feb 2012 00:00:00 GMT</pubDate>
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      <title>6 surprising IRA investment options</title>
      <description>Tired of plain vanilla holdings? You can try spicing things up if you can handle the risk.</description>
      <pubDate>Sun, 05 Feb 2012 00:00:00 GMT</pubDate>
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      <title>7 secrets you won't learn from Social Security</title>
      <description>Knowing these rules may make a difference in how much you'll get in Social Security benefits.</description>
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      <title>7 biggest financial risks of retirement today</title>
      <description>The market is just one thing that can wreak havoc on your retirement savings.</description>
      <pubDate>Mon, 30 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Is an annuity right for your retirement?</title>
      <description>An annuity is one type of investment for retirement. Before you buy, answer these questions.</description>
      <pubDate>Fri, 27 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Does it make sense to buy an annuity at 85?</title>
      <description>An annuity is one way to provide income in retirement. Follow these guidelines before buying.</description>
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      <title>8 ways to totally mess up (and clean up) your IRA</title>
      <description>You don't have to be an idiot to make these mistakes -- or a genius to fix them.</description>
      <pubDate>Sat, 21 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Shielding your assets from estate taxes</title>
      <description>You can use two types of trusts to shield your home or investment portfolio from estate taxes.</description>
      <pubDate>Fri, 20 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Pre-retirees get double-whammy in downturn</title>
      <description>Those within 10 years of reaching retirement age lost jobs and face long-term unemployment.</description>
      <pubDate>Fri, 20 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Take out a short-term loan from your IRA</title>
      <description>You can lend yourself money from your retirement account, but there are limits.</description>
      <pubDate>Wed, 18 Jan 2012 00:00:00 GMT</pubDate>
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      <title>6 ways to use an IRA you haven't thought of</title>
      <description>You don't have to be an idiot to make these mistakes. And you don't have to be a genius to fix them.</description>
      <pubDate>Wed, 11 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Basics of IRAs</title>
      <description>IRAs provide a tax-protected way to save for retirement. We'll look at some of the most popular plans.</description>
      <pubDate>Wed, 11 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Video: How to invest in a Roth IRA</title>
      <description>Investing can be intimidating, but getting started with a Roth IRA shouldn't be.</description>
      <pubDate>Wed, 11 Jan 2012 00:00:00 GMT</pubDate>
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      <title>Video: Which to fund first: 401(k) or IRA?</title>
      <description>If you have more than one retirement investment option, which should you fund first?</description>
      <pubDate>Wed, 11 Jan 2012 00:00:00 GMT</pubDate>
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