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<channel><title><![CDATA[washingtonpost.com - Financial Planning Advice From The Washington Post's Martha M. Hamilton - Financial Futures]]></title><link>http://www.washingtonpost.com/wp-dyn/content/linkset/2006/09/19/LI2006091900683.html?nav=rss_opinion/columns</link><description><![CDATA[]]></description><language>en-us</language><ttl>15</ttl><image><title>washingtonpost.com</title><width>140</width><height>20</height><link>http://www.washingtonpost.com?nav=rss</link><url>http://media3.washingtonpost.com/wp-srv/hp/image/wp_web.gif </url></image>
<item><title><![CDATA[ A Few Final Thoughts On Planning For Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/06/14/AR2008061400125.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/06/14/AR2008061400125.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Jun 2008 00:00:00 EDT</pubDate><description><![CDATA[ I have spent the past two years focused on a subject that was almost an afterthought for most of my working life -- financial planning for retirement. I knew when I started writing this column that the subject was vast and complex, but I had no idea just how complicated it was. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Few]]></category><category><![CDATA[Final]]></category><category><![CDATA[Thoughts]]></category><category><![CDATA[On]]></category><category><![CDATA[Planning]]></category><category><![CDATA[For]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[The Washington Post Company]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[New Orleans]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[AARP]]></category><category><![CDATA[New School University]]></category><category><![CDATA[Texas]]></category></item>
<item><title><![CDATA[ A System That Needs to Be Retired ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/31/AR2008053100286.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/31/AR2008053100286.html?nav=rss_opinion/columns</guid><pubDate>Sun, 01 Jun 2008 00:00:00 EDT</pubDate><description><![CDATA[ Sure, you expect to retire someday. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[System]]></category><category><![CDATA[That]]></category><category><![CDATA[Needs]]></category><category><![CDATA[to]]></category><category><![CDATA[Be]]></category><category><![CDATA[Retired]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[Brooks Hamilton]]></category><category><![CDATA[Employee Benefits Research Institute]]></category><category><![CDATA[Joel Dickson]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Public Broadcasting Service]]></category><category><![CDATA[United States]]></category></item>
<item><title><![CDATA[ Safe Ways to Spend The Nest Egg ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/17/AR2008051700160.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/17/AR2008051700160.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 May 2008 00:00:00 EDT</pubDate><description><![CDATA[ I admit, I have a mild hoarding instinct. No, I don't have stacks of decades-old newspapers around the house, but I do pick up and hold on to the odd doorknob or electrical cord or fabric remnant, thinking: This could be useful someday. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Safe]]></category><category><![CDATA[Ways]]></category><category><![CDATA[to]]></category><category><![CDATA[Spend]]></category><category><![CDATA[The]]></category><category><![CDATA[Nest]]></category><category><![CDATA[Egg]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[John Ameriks]]></category><category><![CDATA[Jonathan Shelon]]></category><category><![CDATA[Investment Company Institute]]></category><category><![CDATA[Jason Scott]]></category><category><![CDATA[Sarah Holden]]></category><category><![CDATA[Financial Engines Inc.]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[T. Rowe Price Group Inc.]]></category></item>
<item><title><![CDATA[ Ahead of the Rise in Stocks and Taxes, Switch to a Roth ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/03/AR2008050300303.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/03/AR2008050300303.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 May 2008 00:00:00 EDT</pubDate><description><![CDATA[ Panic set in almost as soon as I woke up.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121156504" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121156504" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Ahead]]></category><category><![CDATA[of]]></category><category><![CDATA[the]]></category><category><![CDATA[Rise]]></category><category><![CDATA[in]]></category><category><![CDATA[Stocks]]></category><category><![CDATA[and]]></category><category><![CDATA[Taxes,]]></category><category><![CDATA[Switch]]></category><category><![CDATA[to]]></category><category><![CDATA[a]]></category><category><![CDATA[Roth]]></category><category><![CDATA[Ed Slott]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Christine S. Fahlund]]></category><category><![CDATA[KFC Corporation]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[The Wall Street Journal]]></category><category><![CDATA[AARP]]></category><category><![CDATA[T. Rowe Price Group Inc.]]></category></item>
<item><title><![CDATA[ Women Pathfinders of the '70s, Falling in a Pension Gap ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900113.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900113.html?nav=rss_opinion/columns</guid><pubDate>Sun, 20 Apr 2008 00:00:00 EDT</pubDate><description><![CDATA[ Women on the leading edge of the baby-boom generation are also at the forefront of other trends -- ones that may work to their detriment in retirement. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Women]]></category><category><![CDATA[Pathfinders]]></category><category><![CDATA[of]]></category><category><![CDATA[the]]></category><category><![CDATA['70s,]]></category><category><![CDATA[Falling]]></category><category><![CDATA[in]]></category><category><![CDATA[a]]></category><category><![CDATA[Pension]]></category><category><![CDATA[Gap]]></category><category><![CDATA[Susan Williams]]></category><category><![CDATA[Bethesda]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Mary A. Malgoire]]></category><category><![CDATA[Olivia S. Mitchell]]></category><category><![CDATA[Georgetown University]]></category><category><![CDATA[Pension Research Council]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[The Pew Charitable Trusts]]></category><category><![CDATA[The Wharton School of the University of Pennsylvania]]></category></item>
<item><title><![CDATA[ Saving Early and as Much as Possible ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900074.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900074.html?nav=rss_opinion/columns</guid><pubDate>Sun, 20 Apr 2008 00:00:00 EDT</pubDate><description><![CDATA[ Taryn L. Cyrus has been saving for retirement since she stepped into the workplace as a fixed-income security analyst with a degree in finance from Howard University. ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Saving]]></category><category><![CDATA[Early]]></category><category><![CDATA[and]]></category><category><![CDATA[as]]></category><category><![CDATA[Much]]></category><category><![CDATA[as]]></category><category><![CDATA[Possible]]></category><category><![CDATA[Taryn L. Cyrus]]></category><category><![CDATA[Hamilton]]></category><category><![CDATA[Howard University]]></category><category><![CDATA[Chevy Chase Bank, F.S.B.]]></category><category><![CDATA[Washington, DC]]></category></item>
<item><title><![CDATA[ On Medicare And Scorned By the Docs ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/04/05/AR2008040500153.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/04/05/AR2008040500153.html?nav=rss_opinion/columns</guid><pubDate>Sun, 06 Apr 2008 00:00:00 EDT</pubDate><description><![CDATA[ When Pamela Baldwin moved from the Washington area, she never thought she would have trouble finding a doctor who would accept her as a new Medicare patient. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[On]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[And]]></category><category><![CDATA[Scorned]]></category><category><![CDATA[By]]></category><category><![CDATA[the]]></category><category><![CDATA[Docs]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Cecil B. Wilson]]></category><category><![CDATA[Herb B. Kuhn]]></category><category><![CDATA[Pamela Baldwin]]></category><category><![CDATA[Florida]]></category><category><![CDATA[Texas]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Raleigh]]></category><category><![CDATA[Winter Park]]></category><category><![CDATA[American Medical Association]]></category><category><![CDATA[Centers for Medicare & Medicaid Services]]></category><category><![CDATA[Medicare Payment Advisory Commission]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[U.S. Congressional Research Service]]></category><category><![CDATA[Washington, DC]]></category></item>
<item><title><![CDATA[ Jumping Out of Stocks Could Sting More Than Staying ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/03/21/AR2008032103810.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/03/21/AR2008032103810.html?nav=rss_opinion/columns</guid><pubDate>Sun, 23 Mar 2008 00:00:00 EDT</pubDate><description><![CDATA[ Are you an investor convinced that stock prices can go no place but down?<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121159498" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121159498" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Jumping]]></category><category><![CDATA[Out]]></category><category><![CDATA[of]]></category><category><![CDATA[Stocks]]></category><category><![CDATA[Could]]></category><category><![CDATA[Sting]]></category><category><![CDATA[More]]></category><category><![CDATA[Than]]></category><category><![CDATA[Staying]]></category><category><![CDATA[Federal Deposit Insurance Corporation]]></category><category><![CDATA[Kathy Nagle]]></category><category><![CDATA[Bear, Stearns & Co. Inc.]]></category><category><![CDATA[Kelly Campbell]]></category><category><![CDATA[Richard Marston]]></category><category><![CDATA[JP Morgan Chase & Co.]]></category><category><![CDATA[Fairfax]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Ric Edelman]]></category><category><![CDATA[The Wharton School of the University of Pennsylvania]]></category><category><![CDATA[U.S. Federal Reserve]]></category></item>
<item><title><![CDATA[ Less a Burden Than an Opportunity ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/03/07/AR2008030703923.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/03/07/AR2008030703923.html?nav=rss_opinion/columns</guid><pubDate>Sun, 09 Mar 2008 00:00:00 EST</pubDate><description><![CDATA[ Tax time forces you to think about the present, as in, "Whoa, I hope I'm not too late." But it can also be a great time to focus on the future. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Less]]></category><category><![CDATA[a]]></category><category><![CDATA[Burden]]></category><category><![CDATA[Than]]></category><category><![CDATA[an]]></category><category><![CDATA[Opportunity]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Victoria Serles]]></category><category><![CDATA[AARP]]></category><category><![CDATA[BDO Seidman LLP]]></category><category><![CDATA[Bill Grossman]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[Mac Hisey]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[McKay Hochman]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[Intuit TurboTax]]></category></item>
<item><title><![CDATA[ 401(k) Plans Put on Notice As Investor's Suit Advances ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/02/22/AR2008022203534.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/02/22/AR2008022203534.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Feb 2008 00:00:00 EST</pubDate><description><![CDATA[ The Supreme Court's ruling on the mismanagement of a 401(k) plan last week isn't likely to have broad ramifications for investors saving for retirement. But it does highlight ongoing efforts to expand protections for investors managing their own retirement accounts. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[401(k)]]></category><category><![CDATA[Plans]]></category><category><![CDATA[Put]]></category><category><![CDATA[on]]></category><category><![CDATA[Notice]]></category><category><![CDATA[As]]></category><category><![CDATA[Investor's]]></category><category><![CDATA[Suit]]></category><category><![CDATA[Advances]]></category><category><![CDATA[Investor James LaRue]]></category><category><![CDATA[Valerie M. Kupferschmidt]]></category><category><![CDATA[U.S. Court of Appeals]]></category><category><![CDATA[Deloitte Touche Tohmatsu]]></category><category><![CDATA[Hewitt Associates Inc.]]></category><category><![CDATA[Kraft Foods Inc.]]></category><category><![CDATA[Lockheed Martin Corporation]]></category><category><![CDATA[Watson Wyatt & Company Holdings]]></category><category><![CDATA[Los Angeles]]></category><category><![CDATA[Martha Priddy Patterson]]></category><category><![CDATA[Peter K. Stris]]></category><category><![CDATA[Richmond]]></category><category><![CDATA[Robyn Credico]]></category><category><![CDATA[Whittier Law School]]></category></item>
<item><title><![CDATA[ Protecting Your Nest Egg From a Bear ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/02/09/AR2008020900046.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/02/09/AR2008020900046.html?nav=rss_opinion/columns</guid><pubDate>Sun, 10 Feb 2008 00:00:00 EST</pubDate><description><![CDATA[ What a weird, irresistible urge it is -- this compulsion to sell low and buy high. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Protecting]]></category><category><![CDATA[Your]]></category><category><![CDATA[Nest]]></category><category><![CDATA[Egg]]></category><category><![CDATA[From]]></category><category><![CDATA[a]]></category><category><![CDATA[Bear]]></category><category><![CDATA[Sri Reddy]]></category><category><![CDATA[Marjorie L. Fox]]></category><category><![CDATA[Reston]]></category><category><![CDATA[Boston College Center for Retirement Research]]></category></item>
<item><title><![CDATA[ Tapping the Retirement Kitty ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/01/26/AR2008012600115.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/01/26/AR2008012600115.html?nav=rss_opinion/columns</guid><pubDate>Sun, 27 Jan 2008 00:00:00 EST</pubDate><description><![CDATA[ Thinking of dipping into your retirement savings to get through hard times? It's a tempting prospect -- and it could become even more tempting as signs increasingly point toward economic troubles on the horizon.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121200694" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121200694" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Tapping]]></category><category><![CDATA[the]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Kitty]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[Jamie Cornell]]></category><category><![CDATA[Caprise Coppedge]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Vanguard Center for Retirement Research]]></category></item>
<item><title><![CDATA[ It Might Take 10 to 12 Times Salary for Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/01/12/AR2008011200268.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/01/12/AR2008011200268.html?nav=rss_opinion/columns</guid><pubDate>Sun, 13 Jan 2008 00:00:00 EST</pubDate><description><![CDATA[ This year I've resolved to help my daughter get started on saving for retirement. She hasn't worked the types of jobs that have employer-provided savings plans, and a broken jaw and Hurricane Katrina meant a couple of prolonged periods without any work at all. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[It]]></category><category><![CDATA[Might]]></category><category><![CDATA[Take]]></category><category><![CDATA[10]]></category><category><![CDATA[to]]></category><category><![CDATA[12]]></category><category><![CDATA[Times]]></category><category><![CDATA[Salary]]></category><category><![CDATA[for]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[MetLife Inc.]]></category><category><![CDATA[Employee Benefit Research Institute]]></category><category><![CDATA[Hewitt Associates Inc.]]></category><category><![CDATA[Anthony Webb]]></category><category><![CDATA[Sandra Timmermann]]></category><category><![CDATA[Boston College Center for Retirement Research]]></category><category><![CDATA[MetLife Mature Market Institute]]></category><category><![CDATA[Retirement Solutions Foundation]]></category><category><![CDATA[United States]]></category></item>
<item><title><![CDATA[ Your Golden Year For Social Security ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/28/AR2007122803270.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/28/AR2007122803270.html?nav=rss_opinion/columns</guid><pubDate>Sun, 30 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ Next year the first wave of baby boomers turns 62, making them eligible to claim Social Security benefits -- and many of them will. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Your]]></category><category><![CDATA[Golden]]></category><category><![CDATA[Year]]></category><category><![CDATA[For]]></category><category><![CDATA[Social]]></category><category><![CDATA[Security]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Two Options to Fight Off Inflation ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500097.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500097.html?nav=rss_opinion/columns</guid><pubDate>Sun, 16 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ I have a faint memory from elementary school of stuffing coins into slots in a piece of cardboard decorated with the likeness of a Revolutionary War soldier. I was saving to buy a $25 U.S. bond, but since I don't remember actually owning a bond, I'm guessing my nickels, dimes and quarters didn't add up. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Two]]></category><category><![CDATA[Options]]></category><category><![CDATA[to]]></category><category><![CDATA[Fight]]></category><category><![CDATA[Off]]></category><category><![CDATA[Inflation]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ TIPS or I Bond? ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500084.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500084.html?nav=rss_opinion/columns</guid><pubDate>Sun, 16 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ There are several major differences between TIPS and I Bonds. One thing they share, however, is that you pay federal taxes on them but no state or local income taxes.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121202630" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121202630" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[TIPS]]></category><category><![CDATA[or]]></category><category><![CDATA[I]]></category><category><![CDATA[Bond?]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Ideas for 401(k) Have-Nots ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/01/AR2007120100155.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/01/AR2007120100155.html?nav=rss_opinion/columns</guid><pubDate>Sun, 02 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ For the past few years attention has focused on making 401(k) and other retirement plans work better for those who have access to them. And the improvements have been considerable. The move to automatic enrollment and default investments that provide better returns increases the likelihood that more workers will reach retirement with a bigger stockpile of savings. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Ideas]]></category><category><![CDATA[for]]></category><category><![CDATA[401(k)]]></category><category><![CDATA[Have-Nots]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[David C. John]]></category><category><![CDATA[John Kimpel]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[Economic Policy Institute]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[New Orleans]]></category><category><![CDATA[Mexico]]></category><category><![CDATA[Social Security Administration]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[The Heritage Foundation]]></category><category><![CDATA[U.S. House Committee on Ways and Means]]></category></item>
<item><title><![CDATA[ Helping Others And Your Tax Bill, Too ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/17/AR2007111700225.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/17/AR2007111700225.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Nov 2007 00:00:00 EST</pubDate><description><![CDATA[ I' m guessing I'm not the only one surprised to learn that Fidelity Charitable Gift Fund is the nation's fourth-largest charity. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Helping]]></category><category><![CDATA[Others]]></category><category><![CDATA[And]]></category><category><![CDATA[Your]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Bill,]]></category><category><![CDATA[Too]]></category><category><![CDATA[Tanya Howe Johnson]]></category><category><![CDATA[California]]></category><category><![CDATA[South Dakota]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[David L. Giunta]]></category><category><![CDATA[Steven Feinschreiber]]></category><category><![CDATA[Walt Gillette]]></category><category><![CDATA[American Council on Gift Annuities]]></category><category><![CDATA[Fidelity Research Institute]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Sibley Memorial Hospital]]></category><category><![CDATA[United States]]></category><category><![CDATA[Washington, DC]]></category></item>
<item><title><![CDATA[ A Long-Term Problem ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/10/AR2007111000076.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/10/AR2007111000076.html?nav=rss_opinion/columns</guid><pubDate>Sun, 11 Nov 2007 00:00:00 EST</pubDate><description><![CDATA[ For many people, long-term care insurance provides comforting assurance that they will be taken care of if their health falters. But a substantial percentage of older applicants find themselves rejected, and that can be galling. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Long-Term]]></category><category><![CDATA[Problem]]></category><category><![CDATA[Clancy]]></category><category><![CDATA[Maryland]]></category><category><![CDATA[Visiting Nurse Associations of America]]></category><category><![CDATA[Watson Wyatt & Company Holdings]]></category><category><![CDATA[Brenda Spillman]]></category><category><![CDATA[Christopher Murtaugh]]></category><category><![CDATA[Mark Warshawsky]]></category><category><![CDATA[American Association for Long-Term Care Insurance]]></category></item>
<item><title><![CDATA[ Why You Pay Social Security Benefit Taxes ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/03/AR2007110300146.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/03/AR2007110300146.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 Nov 2007 00:00:00 EDT</pubDate><description><![CDATA[ I see Jack Woodard almost every Sunday when I pick up my mother at her apartment building. Woodard works at the building one day a week, and for several months, he's been asking me a question I couldn't answer.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121203563" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121203563" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Why]]></category><category><![CDATA[You]]></category><category><![CDATA[Pay]]></category><category><![CDATA[Social]]></category><category><![CDATA[Security]]></category><category><![CDATA[Benefit]]></category><category><![CDATA[Taxes]]></category><category><![CDATA[Jack Woodard]]></category><category><![CDATA[Alan Greenspan]]></category><category><![CDATA[Nancy J. Altman]]></category><category><![CDATA[Honolulu]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Social Security Administration]]></category><category><![CDATA[U.S. Department of Veterans Affairs]]></category><category><![CDATA[U.S. Federal Reserve]]></category></item>
<item><title><![CDATA[ Longevity's Evil Twin: Inflation ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/10/27/AR2007102700151.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/10/27/AR2007102700151.html?nav=rss_opinion/columns</guid><pubDate>Sun, 28 Oct 2007 00:00:00 EDT</pubDate><description><![CDATA[ First of all: Happy 94th birthday to my mother, Evelyn Sims McNeil. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Longevity's]]></category><category><![CDATA[Evil]]></category><category><![CDATA[Twin:]]></category><category><![CDATA[Inflation]]></category><category><![CDATA[Moshe A. Milevsky]]></category><category><![CDATA[U.S. Bureau of Labor Statistics]]></category><category><![CDATA[Evelyn Sims McNeil]]></category><category><![CDATA[Ron Gebhardtsbauer]]></category><category><![CDATA[Toronto]]></category><category><![CDATA[American Academy of Actuaries]]></category><category><![CDATA[U.S. Securities and Exchange Commission]]></category><category><![CDATA[York University]]></category></item>
<item><title><![CDATA[ Watch for the New and Improved 401(k)s ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/10/20/AR2007102000141.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/10/20/AR2007102000141.html?nav=rss_opinion/columns</guid><pubDate>Sun, 21 Oct 2007 00:00:00 EDT</pubDate><description><![CDATA[ What's in your 401(k)? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Watch]]></category><category><![CDATA[for]]></category><category><![CDATA[the]]></category><category><![CDATA[New]]></category><category><![CDATA[and]]></category><category><![CDATA[Improved]]></category><category><![CDATA[401(k)s]]></category><category><![CDATA[Hewitt Associates Inc.]]></category><category><![CDATA[Pamela Hess]]></category><category><![CDATA[Countrywide Financial Corporation]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[Mercer Human Resource Consulting LLC]]></category><category><![CDATA[Amy Reynolds]]></category><category><![CDATA[Jamie Cornell]]></category><category><![CDATA[Stephen P. Utkus]]></category><category><![CDATA[U.S. Securities and Exchange Commission]]></category><category><![CDATA[Vanguard's Center for Retirement Research]]></category></item>
<item><title><![CDATA[ Low-Paid Means At Risk in Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/10/13/AR2007101300149.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/10/13/AR2007101300149.html?nav=rss_opinion/columns</guid><pubDate>Sun, 14 Oct 2007 00:00:00 EDT</pubDate><description><![CDATA[ The rich are different from you and me. They have more money in retirement. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Low-Paid]]></category><category><![CDATA[Means]]></category><category><![CDATA[At]]></category><category><![CDATA[Risk]]></category><category><![CDATA[in]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Alicia H. Munnell]]></category><category><![CDATA[U.S. Congressional Research Service]]></category><category><![CDATA[Timothy M. Smeeding]]></category><category><![CDATA[American Retirement Corporation]]></category><category><![CDATA[Annika Sunden]]></category><category><![CDATA[Christian E. Weller]]></category><category><![CDATA[Hillary Clinton]]></category><category><![CDATA[Boston College Center for Retirement Research]]></category><category><![CDATA[Center for American Progress]]></category><category><![CDATA[Syracuse University]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[United States]]></category></item>
<item><title><![CDATA[ If You Buy, You Might Pay Dearly ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/10/06/AR2007100600106.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/10/06/AR2007100600106.html?nav=rss_opinion/columns</guid><pubDate>Sun, 07 Oct 2007 00:00:00 EDT</pubDate><description><![CDATA[ They sound too good to be true.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121205316" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121205316" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[If]]></category><category><![CDATA[You]]></category><category><![CDATA[Buy,]]></category><category><![CDATA[You]]></category><category><![CDATA[Might]]></category><category><![CDATA[Pay]]></category><category><![CDATA[Dearly]]></category><category><![CDATA[Allianz SE]]></category><category><![CDATA[Julie McPeak]]></category><category><![CDATA[Gary Bhojwani]]></category><category><![CDATA[Moshe Milevsky]]></category><category><![CDATA[Financial Industry Regulatory Authority]]></category><category><![CDATA[York University]]></category><category><![CDATA[Kentucky]]></category><category><![CDATA[Pennsylvania]]></category><category><![CDATA[Alabama Securities]]></category><category><![CDATA[Financial Engines Inc.]]></category><category><![CDATA[Carrie Johnson]]></category><category><![CDATA[Jason S. Scott]]></category><category><![CDATA[Jeffrey R. Brown]]></category><category><![CDATA[John Solomon]]></category><category><![CDATA[Joseph Borg]]></category><category><![CDATA[Martha Hamilton]]></category><category><![CDATA[North America]]></category><category><![CDATA[Toronto]]></category><category><![CDATA[Kentucky Office of Insurance]]></category><category><![CDATA[National Association of Insurance Commissioners]]></category><category><![CDATA[North American Securities Administrators Association Inc.]]></category><category><![CDATA[U.S. Senate Special Committee on Aging]]></category><category><![CDATA[University of Illinois System]]></category></item>
<item><title><![CDATA[ FINANCIAL FUTURES ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/09/29/AR2007092900083.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/09/29/AR2007092900083.html?nav=rss_opinion/columns</guid><pubDate>Sun, 30 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ The column will return. ]]></description><dc:creator><![CDATA[Financial Futures]]></dc:creator><category><![CDATA[FINANCIAL]]></category><category><![CDATA[FUTURES]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Preparation Can Make A 2nd Home Possible ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/09/22/AR2007092200114.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/09/22/AR2007092200114.html?nav=rss_opinion/columns</guid><pubDate>Sun, 23 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ Like many people approaching retirement, Kathryn Scruggs and her husband dream of a second home in which to spend leisure time. Her dream is a house in Lake of the Woods on a 550-acre lake in Orange County, Va., only about an hour and 15 minutes from her home in Arlington. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Preparation]]></category><category><![CDATA[Can]]></category><category><![CDATA[Make]]></category><category><![CDATA[A]]></category><category><![CDATA[2nd]]></category><category><![CDATA[Home]]></category><category><![CDATA[Possible]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Spend The Income Or the Assets? ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/09/15/AR2007091500127.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/09/15/AR2007091500127.html?nav=rss_opinion/columns</guid><pubDate>Sun, 16 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ It seems simple enough. When it comes time to live off your retirement savings, it would seem to make sense to spend without chipping away at the nest egg itself. Instead, you would want to switch your portfolio to income-producing investments and live off the income. That way you would have money for expenditures and your investments would remain whole and protected. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Spend]]></category><category><![CDATA[The]]></category><category><![CDATA[Income]]></category><category><![CDATA[Or]]></category><category><![CDATA[the]]></category><category><![CDATA[Assets?]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Ignoring the Pitches: No Cost, No Obligation ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/09/08/AR2007090800158.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/09/08/AR2007090800158.html?nav=rss_opinion/columns</guid><pubDate>Sun, 09 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ Got some money? Have I got a deal for you!<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121207058" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121207058" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Ignoring]]></category><category><![CDATA[the]]></category><category><![CDATA[Pitches:]]></category><category><![CDATA[No]]></category><category><![CDATA[Cost,]]></category><category><![CDATA[No]]></category><category><![CDATA[Obligation]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ What to Watch Out For ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/09/08/AR2007090800182.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/09/08/AR2007090800182.html?nav=rss_opinion/columns</guid><pubDate>Sun, 09 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ Here are some tips for avoiding fraud artists: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[What]]></category><category><![CDATA[to]]></category><category><![CDATA[Watch]]></category><category><![CDATA[Out]]></category><category><![CDATA[For]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ FINANCIAL FUTURES ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/31/AR2007083102372.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/31/AR2007083102372.html?nav=rss_opinion/columns</guid><pubDate>Sun, 02 Sep 2007 00:00:00 EDT</pubDate><description><![CDATA[ The column by Martha M. Hamilton will return. ]]></description><dc:creator><![CDATA[Financial Futures]]></dc:creator><category><![CDATA[FINANCIAL]]></category><category><![CDATA[FUTURES]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Same-Sex And Worried About Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/25/AR2007082500212.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/25/AR2007082500212.html?nav=rss_opinion/columns</guid><pubDate>Sun, 26 Aug 2007 00:00:00 EDT</pubDate><description><![CDATA[ Ken Hausman and his partner, Deane Bergsrud, have been together for 27 years, and like many couples their age, they're thinking ahead to retirement. They both have 401(k) plans at work and individual retirement accounts, and Hausman has a pension. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Same-Sex]]></category><category><![CDATA[And]]></category><category><![CDATA[Worried]]></category><category><![CDATA[About]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Life-Cycle Funds:  Targets, Not Guarantees ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/18/AR2007081800087.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/18/AR2007081800087.html?nav=rss_opinion/columns</guid><pubDate>Sun, 19 Aug 2007 00:00:00 EDT</pubDate><description><![CDATA[ I have a deep and abiding suspicion of easy answers. That's why the idea of life-cycle funds makes me uneasy.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121208628" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121208628" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Life-Cycle]]></category><category><![CDATA[Funds:]]></category><category><![CDATA[]]></category><category><![CDATA[Targets,]]></category><category><![CDATA[Not]]></category><category><![CDATA[Guarantees]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Do's and Don'ts of Life-Cycle Funds ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/18/AR2007081800086.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/18/AR2007081800086.html?nav=rss_opinion/columns</guid><pubDate>Sun, 19 Aug 2007 00:00:00 EDT</pubDate><description><![CDATA[ Here are some issues to consider when deciding whether to invest in a life-cycle, or target-date, fund: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Do's]]></category><category><![CDATA[and]]></category><category><![CDATA[Don'ts]]></category><category><![CDATA[of]]></category><category><![CDATA[Life-Cycle]]></category><category><![CDATA[Funds]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Live Long and Prosper ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/11/AR2007081100104.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/11/AR2007081100104.html?nav=rss_opinion/columns</guid><pubDate>Sun, 12 Aug 2007 00:00:00 EDT</pubDate><description><![CDATA[ I wish I had known about the longevity annuity a year ago. I might have saved myself some money. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Live]]></category><category><![CDATA[Long]]></category><category><![CDATA[and]]></category><category><![CDATA[Prosper]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Stretching  The Limits Of 401(k)s ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/08/04/AR2007080400079.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/08/04/AR2007080400079.html?nav=rss_opinion/columns</guid><pubDate>Sun, 05 Aug 2007 00:00:00 EDT</pubDate><description><![CDATA[ Traditional pensions are about as scarce today as pay phones, typewriters, tape decks and other detritus of the previous century. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Stretching]]></category><category><![CDATA[]]></category><category><![CDATA[The]]></category><category><![CDATA[Limits]]></category><category><![CDATA[Of]]></category><category><![CDATA[401(k)s]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ FINANCIAL FUTURES ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/07/28/AR2007072800120.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/07/28/AR2007072800120.html?nav=rss_opinion/columns</guid><pubDate>Sun, 29 Jul 2007 00:00:00 EDT</pubDate><description><![CDATA[ The column will return.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121209762" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121209762" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Financial Futures]]></dc:creator><category><![CDATA[FINANCIAL]]></category><category><![CDATA[FUTURES]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ The Do-It- Yourself IRA ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/07/21/AR2007072100098.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/07/21/AR2007072100098.html?nav=rss_opinion/columns</guid><pubDate>Sat, 21 Jul 2007 14:00:00 EDT</pubDate><description><![CDATA[ About six years ago, John Peterson pulled his retirement accounts out of mutual funds. As owner and president of Profitable Property in Rockville he knows a thing or two about the real estate market. So Peterson took his retirement assets and invested them in property. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[The]]></category><category><![CDATA[Do-It-]]></category><category><![CDATA[Yourself]]></category><category><![CDATA[IRA]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Safeguards for Aging Investors ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/07/14/AR2007071400003.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/07/14/AR2007071400003.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Jul 2007 00:00:00 EDT</pubDate><description><![CDATA[ It's official now. I'm past my prime. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Safeguards]]></category><category><![CDATA[for]]></category><category><![CDATA[Aging]]></category><category><![CDATA[Investors]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ As Fiances' Finances Become One ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/07/07/AR2007070700058.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/07/07/AR2007070700058.html?nav=rss_opinion/columns</guid><pubDate>Sun, 08 Jul 2007 00:00:00 EDT</pubDate><description><![CDATA[ When I was 19, I left Texas and flew to New York to get married. My 22-year-old husband and I didn't have to think long and hard about what to do with our assets, because we didn't have any. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[As]]></category><category><![CDATA[Fiances']]></category><category><![CDATA[Finances]]></category><category><![CDATA[Become]]></category><category><![CDATA[One]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Big Ideas for Small Business Retirement Plans ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/06/30/AR2007063000368.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/06/30/AR2007063000368.html?nav=rss_opinion/columns</guid><pubDate>Sun, 01 Jul 2007 00:00:00 EDT</pubDate><description><![CDATA[ Jeanette Howarth would love to offer better benefits to employees who work for Howarth Excavating and wishes more employees would participate in her company's retirement plan.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121211021" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121211021" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Big]]></category><category><![CDATA[Ideas]]></category><category><![CDATA[for]]></category><category><![CDATA[Small]]></category><category><![CDATA[Business]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Plans]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Social Security Fixer-Uppers ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/06/23/AR2007062300057.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/06/23/AR2007062300057.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Jun 2007 00:00:00 EDT</pubDate><description><![CDATA[ I just solved the Social Security problem in three easy moves. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Social]]></category><category><![CDATA[Security]]></category><category><![CDATA[Fixer-Uppers]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ A Reality Check On Debt Before Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/06/16/AR2007061600053.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/06/16/AR2007061600053.html?nav=rss_opinion/columns</guid><pubDate>Sun, 17 Jun 2007 00:00:00 EDT</pubDate><description><![CDATA[ Borrowing money seemed to make sense when the interest rate on my home-equity line of credit was 4.5 percent. And borrow I did, almost up to the $100,000 tax-deductible limit. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Reality]]></category><category><![CDATA[Check]]></category><category><![CDATA[On]]></category><category><![CDATA[Debt]]></category><category><![CDATA[Before]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Substantial Penalty For Messed-Up Withdrawal ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/06/09/AR2007060900031.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/06/09/AR2007060900031.html?nav=rss_opinion/columns</guid><pubDate>Sun, 10 Jun 2007 00:00:00 EDT</pubDate><description><![CDATA[ Sometimes I write about topics that I find a little difficult to get my arms around. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Substantial]]></category><category><![CDATA[Penalty]]></category><category><![CDATA[For]]></category><category><![CDATA[Messed-Up]]></category><category><![CDATA[Withdrawal]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Retirement Lessons From Those Who Have Gone Ahead ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/06/02/AR2007060200059.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/06/02/AR2007060200059.html?nav=rss_opinion/columns</guid><pubDate>Sun, 03 Jun 2007 00:00:00 EDT</pubDate><description><![CDATA[ One of the great things about working in a newsroom is that you're surrounded by lots of smart people who love to tell you what they know. Just try to stop them.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121212843" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121212843" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Retirement]]></category><category><![CDATA[Lessons]]></category><category><![CDATA[From]]></category><category><![CDATA[Those]]></category><category><![CDATA[Who]]></category><category><![CDATA[Have]]></category><category><![CDATA[Gone]]></category><category><![CDATA[Ahead]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Keep Your  Money Working  Even When  You're Not ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/05/26/AR2007052600153.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/05/26/AR2007052600153.html?nav=rss_opinion/columns</guid><pubDate>Sun, 27 May 2007 00:00:00 EDT</pubDate><description><![CDATA[ This is the kind of subject that requires knocking on wood at the same time you're tapping on the keyboard. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Keep]]></category><category><![CDATA[Your]]></category><category><![CDATA[]]></category><category><![CDATA[Money]]></category><category><![CDATA[Working]]></category><category><![CDATA[]]></category><category><![CDATA[Even]]></category><category><![CDATA[When]]></category><category><![CDATA[]]></category><category><![CDATA[You're]]></category><category><![CDATA[Not]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Savings That Start With The First Paycheck ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/05/19/AR2007051900851.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/05/19/AR2007051900851.html?nav=rss_opinion/columns</guid><pubDate>Sun, 20 May 2007 00:00:00 EDT</pubDate><description><![CDATA[ Remember the first job you got when you were a kid? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Savings]]></category><category><![CDATA[That]]></category><category><![CDATA[Start]]></category><category><![CDATA[With]]></category><category><![CDATA[The]]></category><category><![CDATA[First]]></category><category><![CDATA[Paycheck]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Homeowners' Get-Out-of-Debt Instinct ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/05/12/AR2007051200105.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/05/12/AR2007051200105.html?nav=rss_opinion/columns</guid><pubDate>Sun, 13 May 2007 00:00:00 EDT</pubDate><description><![CDATA[ Free and clear. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Homeowners']]></category><category><![CDATA[Get-Out-of-Debt]]></category><category><![CDATA[Instinct]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ The Off Chance of Retirement Investing ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/05/04/AR2007050402671.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/05/04/AR2007050402671.html?nav=rss_opinion/columns</guid><pubDate>Sun, 06 May 2007 00:00:00 EDT</pubDate><description><![CDATA[ Emily K. Kessler's job is all about risk. She's not a stunt double, or a fighter pilot, or even a preschool teacher (think of the germs!). She's an actuary -- she studies risk for a living.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121213773" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121213773" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[The]]></category><category><![CDATA[Off]]></category><category><![CDATA[Chance]]></category><category><![CDATA[of]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Investing]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Saving for Retirement  --  and Everything Before Then ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/28/AR2007042801370.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/28/AR2007042801370.html?nav=rss_opinion/columns</guid><pubDate>Sun, 29 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[ Didn't you hate the kid who always sat in the front in class? The little so-and-so who never forgot his homework -- and brought in the extra-credit assignment? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Saving]]></category><category><![CDATA[for]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[]]></category><category><![CDATA[--]]></category><category><![CDATA[]]></category><category><![CDATA[and]]></category><category><![CDATA[Everything]]></category><category><![CDATA[Before]]></category><category><![CDATA[Then]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Where to Begin ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/28/AR2007042801455.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/28/AR2007042801455.html?nav=rss_opinion/columns</guid><pubDate>Sun, 29 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[ Here's some information for savers who are just getting started: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Where]]></category><category><![CDATA[to]]></category><category><![CDATA[Begin]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Going Through Withdrawal ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/21/AR2007042100128.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/21/AR2007042100128.html?nav=rss_opinion/columns</guid><pubDate>Sun, 22 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[ After years of putting money away for retirement, you'd think that tapping those savings would be the easy part. Think again. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Going]]></category><category><![CDATA[Through]]></category><category><![CDATA[Withdrawal]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Unpack the Benefits Package ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/14/AR2007041400122.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/14/AR2007041400122.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[ To all the soon-to-be graduates out there, I want to say one word to you. Just one word.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121215727" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121215727" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Unpack]]></category><category><![CDATA[the]]></category><category><![CDATA[Benefits]]></category><category><![CDATA[Package]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Cracking the Contents ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/14/AR2007041400121.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/14/AR2007041400121.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[  ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Cracking]]></category><category><![CDATA[the]]></category><category><![CDATA[Contents]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Your House Doesn't Add Up The Way You Think ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/04/07/AR2007040700075.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/04/07/AR2007040700075.html?nav=rss_opinion/columns</guid><pubDate>Sun, 08 Apr 2007 00:00:00 EDT</pubDate><description><![CDATA[ In areas like metropolitan Washington, where real estate values have soared dramatically during the past decade, buying that house 20 or 30  years ago often seems like the smartest investment you ever made. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Your]]></category><category><![CDATA[House]]></category><category><![CDATA[Doesn't]]></category><category><![CDATA[Add]]></category><category><![CDATA[Up]]></category><category><![CDATA[The]]></category><category><![CDATA[Way]]></category><category><![CDATA[You]]></category><category><![CDATA[Think]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Health-Care Trends You Dare Not Forget ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/31/AR2007033100062.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/31/AR2007033100062.html?nav=rss_opinion/columns</guid><pubDate>Sat, 31 Mar 2007 14:42:00 EDT</pubDate><description><![CDATA[ How do you envision retirement? Rock-climbing on weekdays, minus the weekend crowds? Sitting on the back porch knocking off the great books one by one?  Or struggling to pay medical bills? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Health-Care]]></category><category><![CDATA[Trends]]></category><category><![CDATA[You]]></category><category><![CDATA[Dare]]></category><category><![CDATA[Not]]></category><category><![CDATA[Forget]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Special Planning for a Child With Special Needs ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/23/AR2007032301974.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/23/AR2007032301974.html?nav=rss_opinion/columns</guid><pubDate>Sun, 25 Mar 2007 00:00:00 EDT</pubDate><description><![CDATA[ When Anne and Robert Tucillo think about retirement, their thoughts immediately turn to their oldest son, 14-year-old Bryan. What will he need, and how will they provide?<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121218800" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121218800" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Special]]></category><category><![CDATA[Planning]]></category><category><![CDATA[for]]></category><category><![CDATA[a]]></category><category><![CDATA[Child]]></category><category><![CDATA[With]]></category><category><![CDATA[Special]]></category><category><![CDATA[Needs]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Loan Requirements and Where to Learn More ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/17/AR2007031700078.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/17/AR2007031700078.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Mar 2007 00:00:00 EDT</pubDate><description><![CDATA[ Qualifying for a reverse mortgage doesn't require income or credit tests, but it does require that . . . ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Loan]]></category><category><![CDATA[Requirements]]></category><category><![CDATA[and]]></category><category><![CDATA[Where]]></category><category><![CDATA[to]]></category><category><![CDATA[Learn]]></category><category><![CDATA[More]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ A Timely Turnaround With a Reverse Mortgage ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/17/AR2007031700082.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/17/AR2007031700082.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Mar 2007 00:00:00 EDT</pubDate><description><![CDATA[ Before getting a reverse mortgage, Frances Tolson's financial life was a struggle. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Timely]]></category><category><![CDATA[Turnaround]]></category><category><![CDATA[With]]></category><category><![CDATA[a]]></category><category><![CDATA[Reverse]]></category><category><![CDATA[Mortgage]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ New and Improved 401(k)s ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/10/AR2007031000067.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/10/AR2007031000067.html?nav=rss_opinion/columns</guid><pubDate>Sun, 11 Mar 2007 00:00:00 EST</pubDate><description><![CDATA[ There may be more change happening now in 401(k) plans than at any time in the 25 years since their inception. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[New]]></category><category><![CDATA[and]]></category><category><![CDATA[Improved]]></category><category><![CDATA[401(k)s]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Raise Your Retirement Literacy ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/03/AR2007030300063.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/03/AR2007030300063.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 Mar 2007 00:00:00 EST</pubDate><description><![CDATA[ Let's say you have $200 in a savings account. The account earns 10 percent interest per year. How much would you have in the account at the end of two years?<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121220467" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121220467" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Raise]]></category><category><![CDATA[Your]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Literacy]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Test Yourself ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/03/03/AR2007030300053.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/03/03/AR2007030300053.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 Mar 2007 00:00:00 EST</pubDate><description><![CDATA[  ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Test]]></category><category><![CDATA[Yourself]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Safety In Numbers ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/02/24/AR2007022400100.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/02/24/AR2007022400100.html?nav=rss_opinion/columns</guid><pubDate>Sun, 25 Feb 2007 00:00:00 EST</pubDate><description><![CDATA[ How diversified are your retirement savings? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Safety]]></category><category><![CDATA[In]]></category><category><![CDATA[Numbers]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Tracking Down Your Long-Lost Pension Payments ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/02/17/AR2007021700122.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/02/17/AR2007021700122.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Feb 2007 00:00:00 EST</pubDate><description><![CDATA[ At 45, James Vandeputte is still a long way from retirement. But, wisely, he's thinking ahead. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Tracking]]></category><category><![CDATA[Down]]></category><category><![CDATA[Your]]></category><category><![CDATA[Long-Lost]]></category><category><![CDATA[Pension]]></category><category><![CDATA[Payments]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Resources to Get Started ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/02/17/AR2007021700121.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/02/17/AR2007021700121.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Feb 2007 00:00:00 EST</pubDate><description><![CDATA[ <br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121221518" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121221518" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Resources]]></category><category><![CDATA[to]]></category><category><![CDATA[Get]]></category><category><![CDATA[Started]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Downshifting, Not Retiring ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/02/10/AR2007021000016.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/02/10/AR2007021000016.html?nav=rss_opinion/columns</guid><pubDate>Sun, 11 Feb 2007 00:00:00 EST</pubDate><description><![CDATA[ There's a lot of talk these days about a "new retirement" that's expected to flourish as a wave of workers reach their 60s during the next two decades. According to popular wisdom, the road to retirement for these folks doesn't end in the rec room at Leisure World, but instead promises a mix of work and pleasure. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Downshifting,]]></category><category><![CDATA[Not]]></category><category><![CDATA[Retiring]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Could the Market Fall Down and Go Boom? ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/02/03/AR2007020300120.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/02/03/AR2007020300120.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 Feb 2007 00:00:00 EST</pubDate><description><![CDATA[ There's a lot you can blame on the baby boomers, the sumo demographic that has given us everything from bell bottoms to those obnoxious "baby on board" signs. But will you be able to blame us for taking the market down when we start to cash out of our retirement plans? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Could]]></category><category><![CDATA[the]]></category><category><![CDATA[Market]]></category><category><![CDATA[Fall]]></category><category><![CDATA[Down]]></category><category><![CDATA[and]]></category><category><![CDATA[Go]]></category><category><![CDATA[Boom?]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Save for You, Too ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/01/26/AR2007012602024.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/01/26/AR2007012602024.html?nav=rss_opinion/columns</guid><pubDate>Sun, 28 Jan 2007 00:00:00 EST</pubDate><description><![CDATA[ Forget the kids. Save for yourself. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Save]]></category><category><![CDATA[for]]></category><category><![CDATA[You,]]></category><category><![CDATA[Too]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Emotionally Invested ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/01/20/AR2007012000069.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/01/20/AR2007012000069.html?nav=rss_opinion/columns</guid><pubDate>Sun, 21 Jan 2007 00:00:00 EST</pubDate><description><![CDATA[ It's ridiculous, I know, but I felt nervous when I picked up the phone to sell Washington Post stock.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121224548" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121224548" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Emotionally]]></category><category><![CDATA[Invested]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Age 65 and Not Ready or Able to Go ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/01/13/AR2007011300019.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/01/13/AR2007011300019.html?nav=rss_opinion/columns</guid><pubDate>Sun, 14 Jan 2007 00:00:00 EST</pubDate><description><![CDATA[ Here's the harsh reality for those of us who have become worker-capitalists, responsible for funding our own retirement: We can't afford to stop working at normal retirement age. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Age]]></category><category><![CDATA[65]]></category><category><![CDATA[and]]></category><category><![CDATA[Not]]></category><category><![CDATA[Ready]]></category><category><![CDATA[or]]></category><category><![CDATA[Able]]></category><category><![CDATA[to]]></category><category><![CDATA[Go]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ The New Work Perk: A Little Advice for Investors ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/01/06/AR2007010600122.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/01/06/AR2007010600122.html?nav=rss_opinion/columns</guid><pubDate>Sun, 07 Jan 2007 00:00:00 EST</pubDate><description><![CDATA[ In my fantasies, when the coming labor shortage strikes as boomers retire and fewer people enter the workforce, companies will find themselves forced to offer traditional pensions to lure the best and the brightest away from competitors. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[The]]></category><category><![CDATA[New]]></category><category><![CDATA[Work]]></category><category><![CDATA[Perk:]]></category><category><![CDATA[A]]></category><category><![CDATA[Little]]></category><category><![CDATA[Advice]]></category><category><![CDATA[for]]></category><category><![CDATA[Investors]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Roth IRAs  Save Dessert for Last ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/30/AR2006123000083.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/30/AR2006123000083.html?nav=rss_opinion/columns</guid><pubDate>Sun, 31 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Andrew C. Baird III is off to a great start, already putting money into an employer-sponsored retirement savings account at age 22. But he wonders whether he would be better off steering his savings into a Roth individual retirement account outside of the workplace. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Roth]]></category><category><![CDATA[IRAs]]></category><category><![CDATA[]]></category><category><![CDATA[Save]]></category><category><![CDATA[Dessert]]></category><category><![CDATA[for]]></category><category><![CDATA[Last]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ About the Roth IRA ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/30/AR2006123000050.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/30/AR2006123000050.html?nav=rss_opinion/columns</guid><pubDate>Sun, 31 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ The Roth IRA, available since 1998 and named after the late senator William V. Roth Jr., a Republican from Delaware, is becoming a more widely available investment option.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121226541" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121226541" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[About]]></category><category><![CDATA[the]]></category><category><![CDATA[Roth]]></category><category><![CDATA[IRA]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Having a Hard Old Time ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/23/AR2006122300038.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/23/AR2006122300038.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Barbara E. Davis was 57 when the heart attack struck at midnight in April 1996. She had just turned over to look at the clock, and as she turned back, "the pain hit me between my breasts and went all the way through to my back." ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Having]]></category><category><![CDATA[a]]></category><category><![CDATA[Hard]]></category><category><![CDATA[Old]]></category><category><![CDATA[Time]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Assistance For Seniors ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/23/AR2006122300018.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/23/AR2006122300018.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Here are some private organizations that provide assistance to low-income seniors: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Assistance]]></category><category><![CDATA[For]]></category><category><![CDATA[Seniors]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ 2 + 1 Adds Up to New Priorities ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/16/AR2006121600055.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/16/AR2006121600055.html?nav=rss_opinion/columns</guid><pubDate>Sun, 17 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ New babies have a way of reordering people's priorities. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[2]]></category><category><![CDATA[+]]></category><category><![CDATA[1]]></category><category><![CDATA[Adds]]></category><category><![CDATA[Up]]></category><category><![CDATA[to]]></category><category><![CDATA[New]]></category><category><![CDATA[Priorities]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Playing It Too Safe ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/09/AR2006120900017.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/09/AR2006120900017.html?nav=rss_opinion/columns</guid><pubDate>Sun, 10 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Okay. This week we learn from my mistakes.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121227623" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121227623" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Playing]]></category><category><![CDATA[It]]></category><category><![CDATA[Too]]></category><category><![CDATA[Safe]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Shopping Tips ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/09/AR2006120900010.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/09/AR2006120900010.html?nav=rss_opinion/columns</guid><pubDate>Sun, 10 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Annuities can be a useful part of a retirement portfolio. But they're hard to shop for. Many are sold by insurance brokers working on commission whose interests may not be aligned with yours. Here are some tips on finding an annuity: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Shopping]]></category><category><![CDATA[Tips]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Borrowing From A Mom and Pop ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/12/02/AR2006120200086.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/12/02/AR2006120200086.html?nav=rss_opinion/columns</guid><pubDate>Sun, 03 Dec 2006 00:00:00 EST</pubDate><description><![CDATA[ Like many young couples, Tom and Rebecca Miller were struggling to buy a first home for themselves and their young twins, Benjamin and Luke. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Borrowing]]></category><category><![CDATA[From]]></category><category><![CDATA[A]]></category><category><![CDATA[Mom]]></category><category><![CDATA[and]]></category><category><![CDATA[Pop]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Sometimes Age Is a Bargain ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/25/AR2006112500053.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/25/AR2006112500053.html?nav=rss_opinion/columns</guid><pubDate>Sun, 26 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ Forget cheap movies and early-bird meals at Applebee's. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Sometimes]]></category><category><![CDATA[Age]]></category><category><![CDATA[Is]]></category><category><![CDATA[a]]></category><category><![CDATA[Bargain]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ It's a Deal ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/25/AR2006112500031.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/25/AR2006112500031.html?nav=rss_opinion/columns</guid><pubDate>Sun, 26 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ Here are some places to go for discounts:<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121228868" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121228868" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[It's]]></category><category><![CDATA[a]]></category><category><![CDATA[Deal]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ A New Mission Helping Low-Income Car Buyers ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/18/AR2006111800030.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/18/AR2006111800030.html?nav=rss_opinion/columns</guid><pubDate>Sun, 19 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ Many folks who are fortunate enough to have some financial flexibility view the end of one career as a chance to pursue what's in their hearts or to develop new passions. Some do it through volunteering; others take jobs that wouldn't have paid enough to support them when they were saving or sending kids to college. Still others, such as Robert Chambers, use their entrepreneurial skills to help others. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[New]]></category><category><![CDATA[Mission]]></category><category><![CDATA[Helping]]></category><category><![CDATA[Low-Income]]></category><category><![CDATA[Car]]></category><category><![CDATA[Buyers]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Pursuing New Passions ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/18/AR2006111800004.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/18/AR2006111800004.html?nav=rss_opinion/columns</guid><pubDate>Sun, 19 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ Here are some tips for discovering new satisfactions at the end of a career: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Pursuing]]></category><category><![CDATA[New]]></category><category><![CDATA[Passions]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Money Whys ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/11/AR2006111100076.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/11/AR2006111100076.html?nav=rss_opinion/columns</guid><pubDate>Sun, 12 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ What does money mean to you? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Money]]></category><category><![CDATA[Whys]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Blind Dates With Financial Advisers ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/04/AR2006110400037.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/04/AR2006110400037.html?nav=rss_opinion/columns</guid><pubDate>Sun, 05 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ Solicitations from folks who want to tidy up my yard, paint my house or do electrical work go straight into the trash when I find them tucked behind the storm door.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121229428" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121229428" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Blind]]></category><category><![CDATA[Dates]]></category><category><![CDATA[With]]></category><category><![CDATA[Financial]]></category><category><![CDATA[Advisers]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Hunting for a Planner ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/11/04/AR2006110400010.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/11/04/AR2006110400010.html?nav=rss_opinion/columns</guid><pubDate>Sun, 05 Nov 2006 00:00:00 EST</pubDate><description><![CDATA[ For help finding a financial planner in your area, try these Web sites: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Hunting]]></category><category><![CDATA[for]]></category><category><![CDATA[a]]></category><category><![CDATA[Planner]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Your Age to Benefit ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/28/AR2006102800028.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/28/AR2006102800028.html?nav=rss_opinion/columns</guid><pubDate>Sun, 29 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ I'll tell you at the outset that when I started looking into the best age to draw Social Security, I assumed that later was better, because it meant a bigger monthly payment. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Your]]></category><category><![CDATA[Age]]></category><category><![CDATA[to]]></category><category><![CDATA[Benefit]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Rolling Over Into Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/21/AR2006102100123.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/21/AR2006102100123.html?nav=rss_opinion/columns</guid><pubDate>Sun, 22 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ After changing jobs a few times during the course of his career, Scott Vasko is up to his third 401(k) plan and now wonders whether it's time to roll them all into the one offered by his current employer. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Rolling]]></category><category><![CDATA[Over]]></category><category><![CDATA[Into]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Should You Secure Your Health Care? ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/14/AR2006101400107.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/14/AR2006101400107.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ My friend Kathy Seddon spent more than three years taking care of her parents during their stay in a nursing home. Her mother, who died at 88, had Alzheimer's and Parkinson's disease. Her dad, a retired preacher who died at age 91, suffered from dementia.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121230626" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121230626" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Should]]></category><category><![CDATA[You]]></category><category><![CDATA[Secure]]></category><category><![CDATA[Your]]></category><category><![CDATA[Health]]></category><category><![CDATA[Care?]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Looking Into The Long Term ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/14/AR2006101400076.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/14/AR2006101400076.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ When you're shopping for long-term-care insurance, look for: ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Looking]]></category><category><![CDATA[Into]]></category><category><![CDATA[The]]></category><category><![CDATA[Long]]></category><category><![CDATA[Term]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Parting Gift From a Dead Ex ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/07/AR2006100700088.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/07/AR2006100700088.html?nav=rss_opinion/columns</guid><pubDate>Sun, 08 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ Dead ex-spouses are worth more than living ones. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Parting]]></category><category><![CDATA[Gift]]></category><category><![CDATA[From]]></category><category><![CDATA[a]]></category><category><![CDATA[Dead]]></category><category><![CDATA[Ex]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ On the Web ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/10/07/AR2006100700073.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/10/07/AR2006100700073.html?nav=rss_opinion/columns</guid><pubDate>Sun, 08 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ For more information on Social Security benefits for divorced people whose spouses have died, check the Social Security Web site. ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[On]]></category><category><![CDATA[the]]></category><category><![CDATA[Web]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Investment Candy From Strangers ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/30/AR2006093000146.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/30/AR2006093000146.html?nav=rss_opinion/columns</guid><pubDate>Sun, 01 Oct 2006 00:00:00 EDT</pubDate><description><![CDATA[ Maybe it was the hot pink envelope that made her suspicious.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121231839" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121231839" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Investment]]></category><category><![CDATA[Candy]]></category><category><![CDATA[From]]></category><category><![CDATA[Strangers]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Seeking Guidance For Our Savings ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300502.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300502.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Sep 2006 00:00:00 EDT</pubDate><description><![CDATA[ It's been kind of a kick being on the leading edge of the baby boom. Wherever I went -- into the protests, into the workplace, into parenthood and into middle age -- millions followed. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Seeking]]></category><category><![CDATA[Guidance]]></category><category><![CDATA[For]]></category><category><![CDATA[Our]]></category><category><![CDATA[Savings]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Turning 30: Adam Black ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300512.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300512.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Sep 2006 00:00:00 EDT</pubDate><description><![CDATA[ Adam Black is close to where he needs to be by virtue of a federal job that includes both a monthly pension and retiree health insurance. Black, who turns 30 in December, is a quality assurance coordinator for the Employee Benefits Security Administration in the Department of Labor, a job that brought him into contact with struggling retirees and sharpened his interest in making sure he was on track. His wife, Katherine Black, is a vice president of product development for a mid-size company that makes online lobbying tools. Black earns $80,000 and his wife earns $85,000. ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Turning]]></category><category><![CDATA[30:]]></category><category><![CDATA[Adam]]></category><category><![CDATA[Black]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Turning 30: Sona Garcia ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300048.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300048.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Sep 2006 00:00:00 EDT</pubDate><description><![CDATA[ Soña Garcia , who turned 30 last month, is an attorney in her third year with the Dallas office of law firm Vinson &amp; Elkins LLP. Her salary is $142,000, but she has no traditional pension, nor does she have a profit-sharing plan. She is contributing 6 percent of her salary to her 401(k) plan, which does not include an employer match, and has about $13,700 in that account. Before moving to Dallas, she worked as a congressional aide and then attended Tulane law school. As a Hill staffer, Garcia was a member of the federal Thrift Savings Plan, but when she left Washington, she terminated the plan and rolled it into an IRA at a bank in her hometown, Albuquerque. She has about $6,000 in that account. ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Turning]]></category><category><![CDATA[30:]]></category><category><![CDATA[Sona]]></category><category><![CDATA[Garcia]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Turning 30: Jennifer Battle ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300050.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300050.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Sep 2006 00:00:00 EDT</pubDate><description><![CDATA[ Jennifer Battle , who turned 30 this month, is a project manager in facilities repair with D.C. public schools and a new homeowner. She bought a house last year in the Capitol View neighborhood in Northeast Washington. Battle, who earns $64,000, paid $240,000 for the property, which is now worth more than $270,000. She bought the house with a $192,000 five-year, interest-only adjustable-rate mortgage and a $48,000 15-year balloon loan at 8.25 percent. (A balloon mortgage requires a large payment at the end of the loan term.)<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121232964" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121232964" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Turning]]></category><category><![CDATA[30:]]></category><category><![CDATA[Jennifer]]></category><category><![CDATA[Battle]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ 30 and Counting ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300040.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/09/23/AR2006092300040.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Sep 2006 00:00:00 EDT</pubDate><description><![CDATA[ Remember when turning 30 seemed impossibly far off? If you're turning 30 this year, retirement probably seems just as distant. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[30]]></category><category><![CDATA[and]]></category><category><![CDATA[Counting]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Futures Traders Place Bets On Fate of Enron Defendants ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/05/22/AR2006052201505.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/05/22/AR2006052201505.html?nav=rss_opinion/columns</guid><pubDate>Tue, 23 May 2006 00:00:00 EDT</pubDate><description><![CDATA[ Futures traders are betting that a federal jury in Houston will convict former Enron Corp. executives Kenneth L. Lay and Jeffrey K. Skilling of fraud. ]]></description><dc:creator><![CDATA[Post]]></dc:creator><category><![CDATA[Futures]]></category><category><![CDATA[Traders]]></category><category><![CDATA[Place]]></category><category><![CDATA[Bets]]></category><category><![CDATA[On]]></category><category><![CDATA[Fate]]></category><category><![CDATA[of]]></category><category><![CDATA[Enron]]></category><category><![CDATA[Defendants]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Group Offers $300,000 For Preschool Education ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2006/02/02/AR2006020202355.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2006/02/02/AR2006020202355.html?nav=rss_opinion/columns</guid><pubDate>Fri, 03 Feb 2006 00:00:00 EST</pubDate><description><![CDATA[ A group of Fairfax County business leaders discouraged by the poor skills of many job applicants has decided to pour hundreds of thousands of dollars into preschool education, in hopes of improving the caliber of the county's workforce. ]]></description><dc:creator><![CDATA[Maria Glod]]></dc:creator><category><![CDATA[Group]]></category><category><![CDATA[Offers]]></category><category><![CDATA[$300,000]]></category><category><![CDATA[For]]></category><category><![CDATA[Preschool]]></category><category><![CDATA[Education]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ A Few Final Thoughts On Planning For Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/06/14/AR2008061400125.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/06/14/AR2008061400125.html?nav=rss_opinion/columns</guid><pubDate>Sun, 15 Jun 2008 00:00:00 EDT</pubDate><description><![CDATA[ I have spent the past two years focused on a subject that was almost an afterthought for most of my working life -- financial planning for retirement. I knew when I started writing this column that the subject was vast and complex, but I had no idea just how complicated it was.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121244861" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121244861" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Few]]></category><category><![CDATA[Final]]></category><category><![CDATA[Thoughts]]></category><category><![CDATA[On]]></category><category><![CDATA[Planning]]></category><category><![CDATA[For]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[The Washington Post Company]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[New Orleans]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[AARP]]></category><category><![CDATA[New School University]]></category><category><![CDATA[Texas]]></category></item>
<item><title><![CDATA[ A System That Needs to Be Retired ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/31/AR2008053100286.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/31/AR2008053100286.html?nav=rss_opinion/columns</guid><pubDate>Sun, 01 Jun 2008 00:00:00 EDT</pubDate><description><![CDATA[ Sure, you expect to retire someday. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[System]]></category><category><![CDATA[That]]></category><category><![CDATA[Needs]]></category><category><![CDATA[to]]></category><category><![CDATA[Be]]></category><category><![CDATA[Retired]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[Brooks Hamilton]]></category><category><![CDATA[Employee Benefits Research Institute]]></category><category><![CDATA[Joel Dickson]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Public Broadcasting Service]]></category><category><![CDATA[United States]]></category></item>
<item><title><![CDATA[ Safe Ways to Spend The Nest Egg ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/17/AR2008051700160.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/17/AR2008051700160.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 May 2008 00:00:00 EDT</pubDate><description><![CDATA[ I admit, I have a mild hoarding instinct. No, I don't have stacks of decades-old newspapers around the house, but I do pick up and hold on to the odd doorknob or electrical cord or fabric remnant, thinking: This could be useful someday. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Safe]]></category><category><![CDATA[Ways]]></category><category><![CDATA[to]]></category><category><![CDATA[Spend]]></category><category><![CDATA[The]]></category><category><![CDATA[Nest]]></category><category><![CDATA[Egg]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[John Ameriks]]></category><category><![CDATA[Jonathan Shelon]]></category><category><![CDATA[Investment Company Institute]]></category><category><![CDATA[Jason Scott]]></category><category><![CDATA[Sarah Holden]]></category><category><![CDATA[Financial Engines Inc.]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[T. Rowe Price Group Inc.]]></category></item>
<item><title><![CDATA[ Ahead of the Rise in Stocks and Taxes, Switch to a Roth ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/05/03/AR2008050300303.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/05/03/AR2008050300303.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 May 2008 00:00:00 EDT</pubDate><description><![CDATA[ Panic set in almost as soon as I woke up. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Ahead]]></category><category><![CDATA[of]]></category><category><![CDATA[the]]></category><category><![CDATA[Rise]]></category><category><![CDATA[in]]></category><category><![CDATA[Stocks]]></category><category><![CDATA[and]]></category><category><![CDATA[Taxes,]]></category><category><![CDATA[Switch]]></category><category><![CDATA[to]]></category><category><![CDATA[a]]></category><category><![CDATA[Roth]]></category><category><![CDATA[Ed Slott]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Christine S. Fahlund]]></category><category><![CDATA[KFC Corporation]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[The Wall Street Journal]]></category><category><![CDATA[AARP]]></category><category><![CDATA[T. Rowe Price Group Inc.]]></category></item>
<item><title><![CDATA[ Women Pathfinders of the '70s, Falling in a Pension Gap ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900113.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/04/19/AR2008041900113.html?nav=rss_opinion/columns</guid><pubDate>Sun, 20 Apr 2008 00:00:00 EDT</pubDate><description><![CDATA[ Women on the leading edge of the baby-boom generation are also at the forefront of other trends -- ones that may work to their detriment in retirement.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245273" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245273" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Women]]></category><category><![CDATA[Pathfinders]]></category><category><![CDATA[of]]></category><category><![CDATA[the]]></category><category><![CDATA['70s,]]></category><category><![CDATA[Falling]]></category><category><![CDATA[in]]></category><category><![CDATA[a]]></category><category><![CDATA[Pension]]></category><category><![CDATA[Gap]]></category><category><![CDATA[Susan Williams]]></category><category><![CDATA[Bethesda]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Mary A. Malgoire]]></category><category><![CDATA[Olivia S. Mitchell]]></category><category><![CDATA[Georgetown University]]></category><category><![CDATA[Pension Research Council]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[The Pew Charitable Trusts]]></category><category><![CDATA[The Wharton School of the University of Pennsylvania]]></category></item>
<item><title><![CDATA[ On Medicare And Scorned By the Docs ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/04/05/AR2008040500153.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/04/05/AR2008040500153.html?nav=rss_opinion/columns</guid><pubDate>Sun, 06 Apr 2008 00:00:00 EDT</pubDate><description><![CDATA[ When Pamela Baldwin moved from the Washington area, she never thought she would have trouble finding a doctor who would accept her as a new Medicare patient. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[On]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[And]]></category><category><![CDATA[Scorned]]></category><category><![CDATA[By]]></category><category><![CDATA[the]]></category><category><![CDATA[Docs]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Cecil B. Wilson]]></category><category><![CDATA[Herb B. Kuhn]]></category><category><![CDATA[Pamela Baldwin]]></category><category><![CDATA[Florida]]></category><category><![CDATA[Texas]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Raleigh]]></category><category><![CDATA[Winter Park]]></category><category><![CDATA[American Medical Association]]></category><category><![CDATA[Centers for Medicare & Medicaid Services]]></category><category><![CDATA[Medicare Payment Advisory Commission]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[U.S. Congressional Research Service]]></category><category><![CDATA[Washington, DC]]></category></item>
<item><title><![CDATA[ Jumping Out of Stocks Could Sting More Than Staying ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/03/21/AR2008032103810.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/03/21/AR2008032103810.html?nav=rss_opinion/columns</guid><pubDate>Sun, 23 Mar 2008 00:00:00 EDT</pubDate><description><![CDATA[ Are you an investor convinced that stock prices can go no place but down? ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Jumping]]></category><category><![CDATA[Out]]></category><category><![CDATA[of]]></category><category><![CDATA[Stocks]]></category><category><![CDATA[Could]]></category><category><![CDATA[Sting]]></category><category><![CDATA[More]]></category><category><![CDATA[Than]]></category><category><![CDATA[Staying]]></category><category><![CDATA[Federal Deposit Insurance Corporation]]></category><category><![CDATA[Kathy Nagle]]></category><category><![CDATA[Bear, Stearns & Co. Inc.]]></category><category><![CDATA[Kelly Campbell]]></category><category><![CDATA[Richard Marston]]></category><category><![CDATA[JP Morgan Chase & Co.]]></category><category><![CDATA[Fairfax]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Ric Edelman]]></category><category><![CDATA[The Wharton School of the University of Pennsylvania]]></category><category><![CDATA[U.S. Federal Reserve]]></category></item>
<item><title><![CDATA[ Less a Burden Than an Opportunity ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/03/07/AR2008030703923.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/03/07/AR2008030703923.html?nav=rss_opinion/columns</guid><pubDate>Sun, 09 Mar 2008 00:00:00 EST</pubDate><description><![CDATA[ Tax time forces you to think about the present, as in, "Whoa, I hope I'm not too late." But it can also be a great time to focus on the future. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Less]]></category><category><![CDATA[a]]></category><category><![CDATA[Burden]]></category><category><![CDATA[Than]]></category><category><![CDATA[an]]></category><category><![CDATA[Opportunity]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Victoria Serles]]></category><category><![CDATA[AARP]]></category><category><![CDATA[BDO Seidman LLP]]></category><category><![CDATA[Bill Grossman]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[Mac Hisey]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[McKay Hochman]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[Intuit TurboTax]]></category></item>
<item><title><![CDATA[ 401(k) Plans Put on Notice As Investor's Suit Advances ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/02/22/AR2008022203534.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/02/22/AR2008022203534.html?nav=rss_opinion/columns</guid><pubDate>Sun, 24 Feb 2008 00:00:00 EST</pubDate><description><![CDATA[ The Supreme Court's ruling on the mismanagement of a 401(k) plan last week isn't likely to have broad ramifications for investors saving for retirement. But it does highlight ongoing efforts to expand protections for investors managing their own retirement accounts.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245699" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245699" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[401(k)]]></category><category><![CDATA[Plans]]></category><category><![CDATA[Put]]></category><category><![CDATA[on]]></category><category><![CDATA[Notice]]></category><category><![CDATA[As]]></category><category><![CDATA[Investor's]]></category><category><![CDATA[Suit]]></category><category><![CDATA[Advances]]></category><category><![CDATA[Investor James LaRue]]></category><category><![CDATA[Valerie M. Kupferschmidt]]></category><category><![CDATA[U.S. Court of Appeals]]></category><category><![CDATA[Deloitte Touche Tohmatsu]]></category><category><![CDATA[Hewitt Associates Inc.]]></category><category><![CDATA[Kraft Foods Inc.]]></category><category><![CDATA[Lockheed Martin Corporation]]></category><category><![CDATA[Watson Wyatt & Company Holdings]]></category><category><![CDATA[Los Angeles]]></category><category><![CDATA[Martha Priddy Patterson]]></category><category><![CDATA[Peter K. Stris]]></category><category><![CDATA[Richmond]]></category><category><![CDATA[Robyn Credico]]></category><category><![CDATA[Whittier Law School]]></category></item>
<item><title><![CDATA[ Protecting Your Nest Egg From a Bear ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/02/09/AR2008020900046.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/02/09/AR2008020900046.html?nav=rss_opinion/columns</guid><pubDate>Sun, 10 Feb 2008 00:00:00 EST</pubDate><description><![CDATA[ What a weird, irresistible urge it is -- this compulsion to sell low and buy high. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Protecting]]></category><category><![CDATA[Your]]></category><category><![CDATA[Nest]]></category><category><![CDATA[Egg]]></category><category><![CDATA[From]]></category><category><![CDATA[a]]></category><category><![CDATA[Bear]]></category><category><![CDATA[Sri Reddy]]></category><category><![CDATA[Marjorie L. Fox]]></category><category><![CDATA[Reston]]></category><category><![CDATA[Boston College Center for Retirement Research]]></category></item>
<item><title><![CDATA[ Tapping the Retirement Kitty ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/01/26/AR2008012600115.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/01/26/AR2008012600115.html?nav=rss_opinion/columns</guid><pubDate>Sun, 27 Jan 2008 00:00:00 EST</pubDate><description><![CDATA[ Thinking of dipping into your retirement savings to get through hard times? It's a tempting prospect -- and it could become even more tempting as signs increasingly point toward economic troubles on the horizon. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Tapping]]></category><category><![CDATA[the]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[Kitty]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[Jamie Cornell]]></category><category><![CDATA[Caprise Coppedge]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Vanguard Center for Retirement Research]]></category></item>
<item><title><![CDATA[ It Might Take 10 to 12 Times Salary for Retirement ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2008/01/12/AR2008011200268.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2008/01/12/AR2008011200268.html?nav=rss_opinion/columns</guid><pubDate>Sun, 13 Jan 2008 00:00:00 EST</pubDate><description><![CDATA[ This year I've resolved to help my daughter get started on saving for retirement. She hasn't worked the types of jobs that have employer-provided savings plans, and a broken jaw and Hurricane Katrina meant a couple of prolonged periods without any work at all. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[It]]></category><category><![CDATA[Might]]></category><category><![CDATA[Take]]></category><category><![CDATA[10]]></category><category><![CDATA[to]]></category><category><![CDATA[12]]></category><category><![CDATA[Times]]></category><category><![CDATA[Salary]]></category><category><![CDATA[for]]></category><category><![CDATA[Retirement]]></category><category><![CDATA[MetLife Inc.]]></category><category><![CDATA[Employee Benefit Research Institute]]></category><category><![CDATA[Hewitt Associates Inc.]]></category><category><![CDATA[Anthony Webb]]></category><category><![CDATA[Sandra Timmermann]]></category><category><![CDATA[Boston College Center for Retirement Research]]></category><category><![CDATA[MetLife Mature Market Institute]]></category><category><![CDATA[Retirement Solutions Foundation]]></category><category><![CDATA[United States]]></category></item>
<item><title><![CDATA[ Your Golden Year For Social Security ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/28/AR2007122803270.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/28/AR2007122803270.html?nav=rss_opinion/columns</guid><pubDate>Sun, 30 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ Next year the first wave of baby boomers turns 62, making them eligible to claim Social Security benefits -- and many of them will.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245962" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121245962" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Your]]></category><category><![CDATA[Golden]]></category><category><![CDATA[Year]]></category><category><![CDATA[For]]></category><category><![CDATA[Social]]></category><category><![CDATA[Security]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Two Options to Fight Off Inflation ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500097.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/15/AR2007121500097.html?nav=rss_opinion/columns</guid><pubDate>Sun, 16 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ I have a faint memory from elementary school of stuffing coins into slots in a piece of cardboard decorated with the likeness of a Revolutionary War soldier. I was saving to buy a $25 U.S. bond, but since I don't remember actually owning a bond, I'm guessing my nickels, dimes and quarters didn't add up. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Two]]></category><category><![CDATA[Options]]></category><category><![CDATA[to]]></category><category><![CDATA[Fight]]></category><category><![CDATA[Off]]></category><category><![CDATA[Inflation]]></category><category><![CDATA[]]></category></item>
<item><title><![CDATA[ Ideas for 401(k) Have-Nots ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/12/01/AR2007120100155.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/12/01/AR2007120100155.html?nav=rss_opinion/columns</guid><pubDate>Sun, 02 Dec 2007 00:00:00 EST</pubDate><description><![CDATA[ For the past few years attention has focused on making 401(k) and other retirement plans work better for those who have access to them. And the improvements have been considerable. The move to automatic enrollment and default investments that provide better returns increases the likelihood that more workers will reach retirement with a bigger stockpile of savings. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Ideas]]></category><category><![CDATA[for]]></category><category><![CDATA[401(k)]]></category><category><![CDATA[Have-Nots]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[David C. John]]></category><category><![CDATA[John Kimpel]]></category><category><![CDATA[Teresa Ghilarducci]]></category><category><![CDATA[Economic Policy Institute]]></category><category><![CDATA[J. Mark Iwry]]></category><category><![CDATA[New Orleans]]></category><category><![CDATA[Mexico]]></category><category><![CDATA[Social Security Administration]]></category><category><![CDATA[The Brookings Institution]]></category><category><![CDATA[The Heritage Foundation]]></category><category><![CDATA[U.S. House Committee on Ways and Means]]></category></item>
<item><title><![CDATA[ Helping Others And Your Tax Bill, Too ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/17/AR2007111700225.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/17/AR2007111700225.html?nav=rss_opinion/columns</guid><pubDate>Sun, 18 Nov 2007 00:00:00 EST</pubDate><description><![CDATA[ I' m guessing I'm not the only one surprised to learn that Fidelity Charitable Gift Fund is the nation's fourth-largest charity. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Helping]]></category><category><![CDATA[Others]]></category><category><![CDATA[And]]></category><category><![CDATA[Your]]></category><category><![CDATA[Tax]]></category><category><![CDATA[Bill,]]></category><category><![CDATA[Too]]></category><category><![CDATA[Tanya Howe Johnson]]></category><category><![CDATA[California]]></category><category><![CDATA[South Dakota]]></category><category><![CDATA[Fidelity Investments]]></category><category><![CDATA[David L. Giunta]]></category><category><![CDATA[Steven Feinschreiber]]></category><category><![CDATA[Walt Gillette]]></category><category><![CDATA[American Council on Gift Annuities]]></category><category><![CDATA[Fidelity Research Institute]]></category><category><![CDATA[Internal Revenue Service]]></category><category><![CDATA[Sibley Memorial Hospital]]></category><category><![CDATA[United States]]></category><category><![CDATA[Washington, DC]]></category></item>
<item><title><![CDATA[ A Long-Term Problem ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/10/AR2007111000076.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/10/AR2007111000076.html?nav=rss_opinion/columns</guid><pubDate>Sun, 11 Nov 2007 00:00:00 EST</pubDate><description><![CDATA[ For many people, long-term care insurance provides comforting assurance that they will be taken care of if their health falters. But a substantial percentage of older applicants find themselves rejected, and that can be galling.<br clear="all"/><a href="http://ad.doubleclick.net/jump/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121246226" target="_blank"><img src="http://ad.doubleclick.net/ad/wpni.rss/opinion/columns;pos=ad9;tile=9;ad=rss;sz=479x40;ord=3529121246226" border="0" vspace="5"></a> ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[A]]></category><category><![CDATA[Long-Term]]></category><category><![CDATA[Problem]]></category><category><![CDATA[Clancy]]></category><category><![CDATA[Maryland]]></category><category><![CDATA[Visiting Nurse Associations of America]]></category><category><![CDATA[Watson Wyatt & Company Holdings]]></category><category><![CDATA[Brenda Spillman]]></category><category><![CDATA[Christopher Murtaugh]]></category><category><![CDATA[Mark Warshawsky]]></category><category><![CDATA[American Association for Long-Term Care Insurance]]></category></item>
<item><title><![CDATA[ Why You Pay Social Security Benefit Taxes ]]></title><link>http://www.washingtonpost.com/wp-dyn/content/article/2007/11/03/AR2007110300146.html?nav=rss_opinion/columns</link><guid isPermaLink="true">http://www.washingtonpost.com/wp-dyn/content/article/2007/11/03/AR2007110300146.html?nav=rss_opinion/columns</guid><pubDate>Sun, 04 Nov 2007 00:00:00 EDT</pubDate><description><![CDATA[ I see Jack Woodard almost every Sunday when I pick up my mother at her apartment building. Woodard works at the building one day a week, and for several months, he's been asking me a question I couldn't answer. ]]></description><dc:creator><![CDATA[Martha M. Hamilton]]></dc:creator><category><![CDATA[Why]]></category><category><![CDATA[You]]></category><category><![CDATA[Pay]]></category><category><![CDATA[Social]]></category><category><![CDATA[Security]]></category><category><![CDATA[Benefit]]></category><category><![CDATA[Taxes]]></category><category><![CDATA[Jack Woodard]]></category><category><![CDATA[Alan Greenspan]]></category><category><![CDATA[Nancy J. Altman]]></category><category><![CDATA[Honolulu]]></category><category><![CDATA[Martha M. Hamilton]]></category><category><![CDATA[Medicare]]></category><category><![CDATA[Social Security Administration]]></category><category><![CDATA[U.S. Department of Veterans Affairs]]></category><category><![CDATA[U.S. Federal Reserve]]></