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	<title><![CDATA[finance and social security Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to finance and social security]]></description>
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		<title><![CDATA[Why You Shouldn?t Bash Cash]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/investing/article/why-you-shouldnt-bash-cash/366268/]]></link>
		<description><![CDATA[Today?s seemingly microscopic yields on money market funds aren?t so bad when you take into account the fact that inflation has actually been negative for much of the year. As a result, real returns are actually fairly decent. Here?s how to think about the role of cash in your portfolio,...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Thu, 19 Nov 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/_cbsn.html"><![CDATA[_cbsn]]></category>
		<category domain="http://resources.bnet.com/topic/money.html"><![CDATA[Money]]></category>
		<category domain="http://resources.bnet.com/topic/inflation.html"><![CDATA[Inflation]]></category>
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		<category domain="http://resources.bnet.com/topic/money+market+funds.html"><![CDATA[Money Market Funds]]></category>
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		<category domain="http://resources.bnet.com/topic/treasury+inflation+protection+securities.html"><![CDATA[Treasury Inflation Protection Securities]]></category>
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		<category domain="http://resources.bnet.com/topic/steven+pomeranz.html"><![CDATA[Steven Pomeranz]]></category>
		<category domain="http://resources.bnet.com/topic/sheryl+garrett.html"><![CDATA[Sheryl Garrett]]></category>
		<category domain="http://resources.bnet.com/topic/rick+miller.html"><![CDATA[Rick Miller]]></category>
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		<title><![CDATA[5 Economic Scenarios to Keep You Up at Night]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/article/5-economic-scenarios-to-keep-you-up-at-night/358044/]]></link>
		<description><![CDATA[Stagflation, more bank failures, crippling government debt ? these are just a few of the worst-case scenarios envisioned by several money managers and financial experts we consulted. While not all these experts see these chilling scenarios as likely, they remain a stark reminder of what could happen if we?re not...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 28 Oct 2009 00:00:00 -0700</pubDate>
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	<item>
		<title><![CDATA[Do Seniors Really Need Obama's Costly COLA Substitute?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/blog/retirement-beat/do-seniors-really-need-obamas-costly-cola-substitute/138/]]></link>
		<description><![CDATA[The political cost of no Social Security cost-of-living-adjustment COLA in 2010 seems to be about $250 per retiree. Thatâ€™s the value of a special Social Security payout President Obama proposed last week, timed to offset the news that for the first time since the Social Security COLA was introduced in...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 23 Oct 2009 09:00:40 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/inflation.html"><![CDATA[Inflation]]></category>
		<category domain="http://resources.bnet.com/topic/social+security+cola.html"><![CDATA[Social Security COLA]]></category>
		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/currency+%2526+foreign+exchange.html"><![CDATA[Currency & Foreign Exchange]]></category>
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		<category domain="http://resources.bnet.com/topic/carla+fried.html"><![CDATA[Carla Fried]]></category>
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	<item>
		<title><![CDATA[No COLA For You: Seniors Discover the Downside of Deflation]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/blog/real-time-money/no-cola-for-you-seniors-discover-the-downside-of-deflation/119/]]></link>
		<description><![CDATA[Social Security recipients and federal pensioners today discovered the downside of ultra-low inflation: Their COLA completely lost its fizz.    For the first time since those groups began getting annual cost-of-living adjustments COLA in 1975, the Social Security Administration and the U. S. Labor Department confirmed this morning...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 15 Oct 2009 17:32:38 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/benefit.html"><![CDATA[Benefit]]></category>
		<category domain="http://resources.bnet.com/topic/deflation.html"><![CDATA[Deflation]]></category>
		<category domain="http://resources.bnet.com/topic/inflation.html"><![CDATA[Inflation]]></category>
		<category domain="http://resources.bnet.com/topic/cola.html"><![CDATA[COLA]]></category>
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		<category domain="http://resources.bnet.com/topic/chris+pummer.html"><![CDATA[Chris Pummer]]></category>
	</item>
	<item>
		<title><![CDATA[Retirement Planning: What to Do Now]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/retirement-planning-what-to-do-now/352213/]]></link>
		<description><![CDATA[Whether you're 25 years away from retirement or you've already started packing up your office, there are specific steps you should now take to ensure your financial security. This step-by-step guide will keep you on track for a stress-free dismount from the corporate treadmill.   20 to 25 Years...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 14 Oct 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/retirement.html"><![CDATA[Retirement]]></category>
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		<category domain="http://resources.bnet.com/topic/bob+carlson.html"><![CDATA[Bob Carlson]]></category>
		<category domain="http://resources.bnet.com/topic/long-term-care+insurance.html"><![CDATA[Long-Term-Care Insurance]]></category>
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	</item>
	<item>
		<title><![CDATA[Microchip Implant to Link Your Health Records, Credit History, Social Security]]></title>
		<link><![CDATA[http://industry.bnet.com/pharma/10004616/microchip-implant-to-link-your-health-records-credit-history-social-security/]]></link>
		<description><![CDATA[Novartis and Proteus Biomedical are not the only companies hoping to implant microchips into patients so that their pill-popping habits can be monitored. VeriChip of Delray Beach, Fl., has an even bolder idea: an implanted chip that links to an online database containing all your medical records, credit history and...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 05 Oct 2009 13:20:24 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/microchip.html"><![CDATA[Microchip]]></category>
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		<category domain="http://resources.bnet.com/topic/jim+edwards.html"><![CDATA[Jim Edwards]]></category>
	</item>
	<item>
		<title><![CDATA[Live Financial Wisdom from Bogleheads VIII -- Day Two]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/investing/blog/irrational-investor/live-financial-wisdom-from-bogleheads-viii-day-two/577/]]></link>
		<description><![CDATA[Oct. 2 -9:00 a.m.Â  Panel Discussion    Final Question - How much do the experts really know?    Understanding the economy which is doubtful doesn'tÂ translate to being a good investor or to giving goodÂ investment advice.    Should one buy TIPS or TIPS funds? ...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 02 Oct 2009 07:13:18 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/the+vanguard+group+inc..html"><![CDATA[The Vanguard Group Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
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	</item>
	<item>
		<title><![CDATA[Is a Shorter Work Week our Demographic Destiny?]]></title>
		<link><![CDATA[http://blogs.bnet.com/entry-level/?p=769]]></link>
		<description><![CDATA[Repeat the old truism 'demographics is destiny' to a young person and you'll probably spark gloomy thoughts of the coming wave of boomer retirements and the strain they're likely to put on the public finances. After all, we're the ones who are likely to get stuck with the higher taxes,...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 02 Oct 2009 05:22:06 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/redistribution.html"><![CDATA[Redistribution]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/jessica+stillman.html"><![CDATA[Jessica Stillman]]></category>
	</item>
	<item>
		<title><![CDATA[Social Security: The Red Ink Starts Next Year]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/blog/financial-independence/social-security-the-red-ink-starts-next-year/537/]]></link>
		<description><![CDATA[Just in case there was any doubt that Social Security won't be able to keep the promises it is making to anyone younger than, say, 55, the Congressional Budget Office now projects that Social Security will start operating at a deficit next year. Neither the CBO nor Social Security itself...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 30 Sep 2009 07:41:15 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/cbo.html"><![CDATA[CBO]]></category>
		<category domain="http://resources.bnet.com/topic/obama.html"><![CDATA[Obama]]></category>
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		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/eric+schurenberg.html"><![CDATA[Eric Schurenberg]]></category>
	</item>
	<item>
		<title><![CDATA[Escaping the Two-House Cash Crunch]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/escaping-the-two-house-cash-crunch-/345213/]]></link>
		<description><![CDATA[A dual-home lifestyle seemed quite manageable back when they had about $1.5 million in savings and retirement funds. But the market freefall and a loss of about $800,000 have forced the Radoseviches to reconsider their plans.    	  The dual-home lifestyle seemed quite manageable back when they...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Thu, 24 Sep 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/stock.html"><![CDATA[Stock]]></category>
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		<category domain="http://resources.bnet.com/topic/moneywatch.html"><![CDATA[MoneyWatch]]></category>
		<category domain="http://resources.bnet.com/topic/retirement+fund.html"><![CDATA[Retirement Fund]]></category>
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	</item>
	<item>
		<title><![CDATA[The Best Way to Pay for Social Security]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/blog/financial-independence/the-best-way-to-pay-for-social-security/510/]]></link>
		<description><![CDATA[While everyone is asking how we'll pay for health care reform and for the spiraling costs of Medicare, the good folks at the Employee Benefit Research Institute have been figuring out how'll we pay for Social Security, that other freight train destined to hit taxpayers in the next decade. You...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 16 Sep 2009 09:45:58 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/payroll.html"><![CDATA[Payroll]]></category>
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		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
		<category domain="http://resources.bnet.com/topic/taxes.html"><![CDATA[Taxes]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
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		<category domain="http://resources.bnet.com/topic/eric+schurenberg.html"><![CDATA[Eric Schurenberg]]></category>
	</item>
	<item>
		<title><![CDATA[Congress Moves To Shore Up Social Security And Increase Deficit]]></title>
		<link><![CDATA[http://industry.bnet.com/government/10003221/congress-moves-to-shore-up-social-security-and-increase-deficit/]]></link>
		<description><![CDATA[Due to low inflation there are no COLA's planned for Social Security the next two years.  Congress thinks this needs to be fixed with added borrowing and increases in the deficit. by Matthew Potter]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Tue, 15 Sep 2009 02:59:56 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/u.s.+congress.html"><![CDATA[U.S. Congress]]></category>
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		<category domain="http://resources.bnet.com/topic/matthew+potter.html"><![CDATA[Matthew Potter]]></category>
	</item>
	<item>
		<title><![CDATA[Boost Your Income on the Verge of Retirement]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/boost-your-income-on-the-verge-of-retirement/341915/]]></link>
		<description><![CDATA[Before the recession stormed in, Dan and Barbara Hoffa could see nothing but smooth sailing ahead. But now Dan is unemployed, Barbara's income has been slashed, and their comfortable $2 million nest egg has been crushed.   Dan plans to file for Social Security in August 2010, when he...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Tue, 15 Sep 2009 00:00:00 -0700</pubDate>
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	</item>
	<item>
		<title><![CDATA[Social Securities Strategies: Former Spouses]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/investing/blog/wise-investing/social-securities-strategies-former-spouses/805/]]></link>
		<description><![CDATA[Earlier, I had some posts regarding strategies for spouses claiming Social Security benefits. Today, we'll look at some of the things you need to know regarding benefits of former spouses. by Larry Swedroe]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 28 Aug 2009 08:31:23 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
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		<category domain="http://resources.bnet.com/topic/larry+swedroe.html"><![CDATA[Larry Swedroe]]></category>
	</item>
	<item>
		<title><![CDATA['Clunkers' End Prompts Rush]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/video/clunkers-end-prompts-rush/334005/]]></link>
		<description><![CDATA[Car buyers headed for dealerships today as the deadline for the program ticked closer. Plus: Social Security trustees say cost-of-living increases are unlikely for the next two years.]]></description>
		<s:doctype><![CDATA[Videos]]></s:doctype>
		<pubDate>Mon, 24 Aug 2009 14:59:14 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/alexis+christoforous.html"><![CDATA[Alexis Christoforous]]></category>
	</item>
	<item>
		<title><![CDATA[Retirement Calculator Report Card: Are You Saving Enough?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/retirement-calculator-report-card-are-you-saving-enough/330528/]]></link>
		<description><![CDATA[We put that question to the six top online retirement calculators and got six different answers. Here's how to use them to get the right answer.                        ...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Tue, 11 Aug 2009 00:00:00 -0700</pubDate>
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	</item>
	<item>
		<title><![CDATA[Could Debtors' Prison Make a Comeback?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/consumer-reporter/could-debtors-prison-make-a-comeback/242/]]></link>
		<description><![CDATA[When I was laid off last December, my thoughts traveled like a bullet train to a dark future. After I exhausted my severance (which would take about 15 minutes), I would be unable to pay my bills, including my health insurance. Then I would lose my house and all my...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 10 Aug 2009 14:49:54 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/prison.html"><![CDATA[Prison]]></category>
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		<category domain="http://resources.bnet.com/topic/marlys+harris.html"><![CDATA[Marlys Harris]]></category>
	</item>
	<item>
		<title><![CDATA[Time for Some Intellectual Honesty from the ICI in the Retirement Debate]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/investing/blog/fund-watch/time-for-some-intellectual-honesty-from-the-ici-in-the-retirement-debate/269/]]></link>
		<description><![CDATA[I was all set to write about another topic this week, but upon reading the comments on Eric Schurenberg's recent post advocating change in the 401k system, I just had to chime in. And if you've read even a handful of my previous posts (such as the one on mutual...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 10 Aug 2009 11:00:52 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529+plan.html"><![CDATA[401(k) Plan]]></category>
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		<category domain="http://resources.bnet.com/topic/worker.html"><![CDATA[Worker]]></category>
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		<category domain="http://resources.bnet.com/topic/401%2528k%2529+participant.html"><![CDATA[401(k) Participant]]></category>
		<category domain="http://resources.bnet.com/topic/401%2528k%2529.html"><![CDATA[401(k)]]></category>
		<category domain="http://resources.bnet.com/topic/retirement+plans.html"><![CDATA[Retirement Plans]]></category>
		<category domain="http://resources.bnet.com/topic/mutual+funds.html"><![CDATA[Mutual Funds]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
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		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
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		<category domain="http://resources.bnet.com/topic/nathan+hale.html"><![CDATA[Nathan Hale]]></category>
	</item>
	<item>
		<title><![CDATA[Resetting Social Security -- An Annuity That Actually Makes Sense]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/investing/blog/irrational-investor/resetting-social-security-an-annuity-that-actually-makes-sense/486/]]></link>
		<description><![CDATA[The best value for longevity insurance may not come from an insurance company. by Allan Roth]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 27 Jul 2009 06:00:17 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/annuity.html"><![CDATA[Annuity]]></category>
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		<category domain="http://resources.bnet.com/topic/allan+roth.html"><![CDATA[Allan Roth]]></category>
	</item>
	<item>
		<title><![CDATA[Financial Literacy: What Your Kids Need to Know]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/feature/financial-literacy-what-your-kids-need-to-know/320698/]]></link>
		<description><![CDATA[Don't let your children grow up to be as dumb about money as we all have been. The schools aren't teaching financial basics, so you should. And start early.Google "Teaching kids about money," and you'll get 225 million hits on everything from camps to games to gadgets, all aimed at...]]></description>
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		<pubDate>Wed, 15 Jul 2009 00:00:00 -0700</pubDate>
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