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	<title>Jane Bryant Quinn &#187; Retirement</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
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		<title>How to create a safer retirement plan</title>
		<link>http://janebryantquinn.com/2011/04/how-to-create-a-safer-retirement-plan/</link>
		<comments>http://janebryantquinn.com/2011/04/how-to-create-a-safer-retirement-plan/#comments</comments>
		<pubDate>Sat, 30 Apr 2011 09:54:22 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[4 percent]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Financial Engines]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[Russell Investments]]></category>
		<category><![CDATA[TIPS]]></category>
		<category><![CDATA[Zvi Bodie]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1641</guid>
		<description><![CDATA[What if pre-retirement savers have been doing things all wrong? Instead of focusing on stocks, to grow money for your later years, advisors are looking, increasing, at current income guarantees. They&#8217;re asking how you&#8217;re going to pay your bills when your paycheck stops.
Traditionally, you&#8217;re supposed to keep 50 or 60 percent of your money in [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Is your 401(k) set up to fail? Here&#8217;s how to fix it</title>
		<link>http://janebryantquinn.com/2011/04/is-your-401k-set-up-to-fail-heres-how-to-fix-it/</link>
		<comments>http://janebryantquinn.com/2011/04/is-your-401k-set-up-to-fail-heres-how-to-fix-it/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 09:50:54 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[automatic enrollment]]></category>
		<category><![CDATA[automatic IRA]]></category>
		<category><![CDATA[automatic saving]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[IRA]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1610</guid>
		<description><![CDATA[Is your employer blindsiding you with your 401(k)? You might think you&#8217;re on track to retirement because your company enrolled you in the plan automatically. What they didn&#8217;t say is that they set you up to fail.
Auto-enrollment has been a great step forward, because it catches people who otherwise wouldn&#8217;t save. But, left alone, your [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2011/04/is-your-401k-set-up-to-fail-heres-how-to-fix-it/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Are you choosing the wrong target-date fund? How to get it right</title>
		<link>http://janebryantquinn.com/2011/02/are-you-choosing-the-wrong-target-date-fund-how-to-get-it-right/</link>
		<comments>http://janebryantquinn.com/2011/02/are-you-choosing-the-wrong-target-date-fund-how-to-get-it-right/#comments</comments>
		<pubDate>Wed, 09 Feb 2011 11:05:02 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[target-date funds]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1547</guid>
		<description><![CDATA[Are you confused about choosing investments in a company 401(k)? More than three-quarters of the plans try to solve the problem for you by offering target-date mutual funds &#8211; one-stop shopping for savers who want to simplify their lives. You can buy them for Individual Retirement Accounts, too.
I like these funds, but picking the right [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2011/02/are-you-choosing-the-wrong-target-date-fund-how-to-get-it-right/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Target-date mutual funds: Are they still right for you?</title>
		<link>http://janebryantquinn.com/2011/01/target-date-mutual-funds-are-they-still-right-for-you/</link>
		<comments>http://janebryantquinn.com/2011/01/target-date-mutual-funds-are-they-still-right-for-you/#comments</comments>
		<pubDate>Sat, 15 Jan 2011 11:45:13 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[target-date funds]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1524</guid>
		<description><![CDATA[The popular target-date mutual funds shocked investors after the 2008 market crash. People close to retirement saw a quarter or more of their savings wash away, in funds they mistakenly thought were &#8220;safe.&#8221;
I consider these funds terrific choices for retirement savings and, by all accounts, so do you. They&#8217;re still the most popular funds in [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2011/01/target-date-mutual-funds-are-they-still-right-for-you/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why You Should Give Reverse Mortgages Another Look</title>
		<link>http://janebryantquinn.com/2010/12/why-you-should-give-reverse-mortgages-another-look/</link>
		<comments>http://janebryantquinn.com/2010/12/why-you-should-give-reverse-mortgages-another-look/#comments</comments>
		<pubDate>Tue, 21 Dec 2010 01:02:33 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[reverse mortgage]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1490</guid>
		<description><![CDATA[If you&#8217;ve been snubbing a reverse mortgage, or counseling your elderly parents against it, take another look. These notoriously expensive loans are now on sale for less
You&#8217;re right to be careful about the loans. If mis-sold, they can leave you poor &#8211; and the press tells plenty of tales about mistakes. On the other hand, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Have an annuity with lifetime income guarantees? Don&#8217;t give it up.</title>
		<link>http://janebryantquinn.com/2010/09/have-an-annuity-with-lifetime-income-guarantees-dont-give-it-up/</link>
		<comments>http://janebryantquinn.com/2010/09/have-an-annuity-with-lifetime-income-guarantees-dont-give-it-up/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 19:35:28 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[Hartford]]></category>
		<category><![CDATA[lifetime income guarantee]]></category>
		<category><![CDATA[variable annuity]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1345</guid>
		<description><![CDATA[If you own a variable annuity &#8212; a favorite investment recommendation of financial advisers &#8212; should you drop it and buy one with &#8220;new features&#8221; that didn&#8217;t exist before? Usually not. Yet that&#8217;s what The Hartford Financial Services group recently suggested to its customers, in a letter than enraged its agents.
As it turns out, the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/09/have-an-annuity-with-lifetime-income-guarantees-dont-give-it-up/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Social Security&#8217;s 75th: It will outlive its attackers, and thrive</title>
		<link>http://janebryantquinn.com/2010/08/1292/</link>
		<comments>http://janebryantquinn.com/2010/08/1292/#comments</comments>
		<pubDate>Sat, 14 Aug 2010 03:47:47 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[federal deficit]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax cuts]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1292</guid>
		<description><![CDATA[Let me get this straight.  Conservative budget balancers say that we can&#8217;t afford Social Security.  This weekend marks the program&#8217;s 75th anniversary. The &#8220;anti&#8217;s&#8221; say it&#8217;s past time to phase it out. End socialism in the U.S.! If you&#8217;re old and poor, your kids should take you in. Harumph.
The same conservative budget balancers say [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/1292/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>The worst deal in America: &#8220;Free Lunch&#8221; senior seminars</title>
		<link>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/</link>
		<comments>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 10:00:26 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[AARP]]></category>
		<category><![CDATA[free lunch]]></category>
		<category><![CDATA[free lunch monitor]]></category>
		<category><![CDATA[free-lunch seminars]]></category>
		<category><![CDATA[investment scam]]></category>
		<category><![CDATA[senior seminar]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1233</guid>
		<description><![CDATA[You say you&#8217;re too smart to get trapped by a free-lunch &#8220;senior seminar?&#8221;  Guess again. Older people with good incomes and business or professional  backgrounds are the tactic&#8217;s red meat.
You&#8217;re invited by a prominent financial firm (or what sounds like one) for an  &#8220;educational&#8221; session on, say, estate planning or improving your [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Congress sells out seniors: No SEC regulation of indexed annuities</title>
		<link>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/</link>
		<comments>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 10:00:16 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[financial reform bill]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1227</guid>
		<description><![CDATA[You can&#8217;t turn your back on Congress for a minute. Just when you think an issue will be settled in favor of investors, a Senator oozes under the door and slides a quick pro-business, anti-investor change into a bill.
That&#8217;s how the equity-indexed annuity &#8212; a costly product with a woeful past &#8212; slipped out of the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Set Up a Future Retirement Income with New-Style Annuities</title>
		<link>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/</link>
		<comments>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/#comments</comments>
		<pubDate>Fri, 04 Jun 2010 18:33:25 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[annuities with guaranteed income benefits]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[tax-deferred annuities]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1209</guid>
		<description><![CDATA[If you’re saving for retirement and want to lock in a future income on favorable terms, consider buying a tax deferred variable annuity with lifetime guarantees. The prices being offered now are probably too good to last.
Note that this deal might not be best choice for people who need income now. It’s for people looking [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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