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	<title>Moneyland &#187; Dan Kadlec</title>
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	<description>Financial Insights from Your Wallet to Wall Street</description>
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		<title>Moneyland &#187; Dan Kadlec</title>
		<link>http://moneyland.time.com</link>
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		<title>Saving for College: Most Parents Flunk the 529 Test</title>
		<link>http://moneyland.time.com/2012/05/30/saving-for-college-most-parents-flunk-the-529-test/</link>
		<comments>http://moneyland.time.com/2012/05/30/saving-for-college-most-parents-flunk-the-529-test/#comments</comments>
		<pubDate>Wed, 30 May 2012 17:15:48 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Educational Financing]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[529 Plans]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Student debt]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[tuition]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39836</guid>
		<description><![CDATA[With student debt at $1 trillion and counting, and tuition rising 8% a year, it seems impossible that anyone would not know about the smartest college savings tool out there: the 529 plan. Alas, stunning numbers of Americans are in the dark. A new survey from brokerage Edward Jones found that 62% have no knowledge [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39836&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/30/saving-for-college-most-parents-flunk-the-529-test/feed/</wfw:commentRss>
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		<title>Sandwich Generation: Old Story, New Problem</title>
		<link>http://moneyland.time.com/2012/05/29/sandwich-generation-old-story-new-problem/</link>
		<comments>http://moneyland.time.com/2012/05/29/sandwich-generation-old-story-new-problem/#comments</comments>
		<pubDate>Tue, 29 May 2012 10:45:41 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Work/Life Balance]]></category>
		<category><![CDATA[Adult Kids]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[sandwich generation]]></category>
		<category><![CDATA[tuition]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39681</guid>
		<description><![CDATA[Boomers were the first to struggle en masse with both the financial needs of kids in college and retired parents outliving their nest egg. Now, the kids may be out of college—but moved back home. Meanwhile, mom or dad has not only run short on cash—but needs a daily caregiver too. Some 35% of boomers [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39681&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Sandwich</media:title>
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			<media:title type="html">dankadlec</media:title>
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		<title>Buffett&#8217;s New Message: Damn the Deal, Keep Work and Life in Balance</title>
		<link>http://moneyland.time.com/2012/05/25/buffetts-new-message-damn-the-deal-keep-work-and-life-in-balance/</link>
		<comments>http://moneyland.time.com/2012/05/25/buffetts-new-message-damn-the-deal-keep-work-and-life-in-balance/#comments</comments>
		<pubDate>Fri, 25 May 2012 10:45:48 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Career Strategies]]></category>
		<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Work/Life Balance]]></category>
		<category><![CDATA[Goldman Sachs]]></category>
		<category><![CDATA[OECD]]></category>
		<category><![CDATA[Warren Buffett]]></category>
		<category><![CDATA[Work Hours]]></category>
		<category><![CDATA[Work Life Balance]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39700</guid>
		<description><![CDATA[While negotiating a $5 billion investment at the height of the financial crisis, Buffett disappeared for a few hours of personal time.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39700&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/25/buffetts-new-message-damn-the-deal-keep-work-and-life-in-balance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>Retirees Taking Early Social Security Benefits Hits 35-Year Low</title>
		<link>http://moneyland.time.com/2012/05/23/retirees-taking-early-social-security-benefits-hits-35-year-low/</link>
		<comments>http://moneyland.time.com/2012/05/23/retirees-taking-early-social-security-benefits-hits-35-year-low/#comments</comments>
		<pubDate>Wed, 23 May 2012 15:30:58 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Retiring]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39565</guid>
		<description><![CDATA[Retirement-minded Americans are getting the message: it pays to delay triggering Social Security benefits. That was one of the chief findings of a GAO study last year, and now the “take-up” rate for those who are eligible stands at a 35-year low. This is great news. Financially speaking, it means more retirees will be in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39565&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/23/retirees-taking-early-social-security-benefits-hits-35-year-low/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit><mediaCaption><![CDATA[Studio shot of social security card and banknotes]]></mediaCaption>
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			<media:title type="html">Social Security Card</media:title>
		</media:content>

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			<media:title type="html">dankadlec</media:title>
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		<item>
		<title>What President Obama Wants You To Tell Your Kids About Money &#8212; and When</title>
		<link>http://moneyland.time.com/2012/05/22/what-president-obama-wants-you-to-tell-your-kids-about-money-and-when/</link>
		<comments>http://moneyland.time.com/2012/05/22/what-president-obama-wants-you-to-tell-your-kids-about-money-and-when/#comments</comments>
		<pubDate>Tue, 22 May 2012 13:00:37 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[President Obama]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39410</guid>
		<description><![CDATA[The White House has put the final touches on a nifty new website offering guidelines on how parents can reinforce money lessons with their kids, starting as young as age three. It’s called Money As You Grow: 20 things kids need to know to live financially smart lives, and it’s an outgrowth of the money [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39410&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/22/what-president-obama-wants-you-to-tell-your-kids-about-money-and-when/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>The Future of Retirement? 401(k)s That Look Like Old-Fashioned Pensions</title>
		<link>http://moneyland.time.com/2012/05/16/the-future-of-retirement-401ks-that-look-like-old-fashioned-pensions/</link>
		<comments>http://moneyland.time.com/2012/05/16/the-future-of-retirement-401ks-that-look-like-old-fashioned-pensions/#comments</comments>
		<pubDate>Wed, 16 May 2012 10:00:12 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39160</guid>
		<description><![CDATA[One of the biggest flaws in most people’s retirement plan is something that previous generations rarely worried about: monthly income guaranteed for life. But the fix is in, and before long your 401(k) may look a lot more like your dad’s pension. That’s a good thing. Traditional pensions that pay a set monthly income to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39160&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/16/the-future-of-retirement-401ks-that-look-like-old-fashioned-pensions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
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			<media:title type="html">Retirement</media:title>
		</media:content>

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			<media:title type="html">dankadlec</media:title>
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		<title>The American Dream Gets Another Facelift</title>
		<link>http://moneyland.time.com/2012/05/15/the-american-dream-gets-another-facelift/</link>
		<comments>http://moneyland.time.com/2012/05/15/the-american-dream-gets-another-facelift/#comments</comments>
		<pubDate>Tue, 15 May 2012 11:00:14 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Real Estate Markets]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[American dream]]></category>
		<category><![CDATA[Home ownership]]></category>
		<category><![CDATA[Housing Recovery]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[recovery]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39018</guid>
		<description><![CDATA[The American Dream takes many forms: opportunity, personal fulfillment, a financial safety net and secure retirement. Home ownership is also part of the popular definition, and while that aspect of the Dream has taken some hits during the housing bust, it remains alive and well—though with a twist. The vast majority of Americans (79%) say [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39018&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/15/the-american-dream-gets-another-facelift/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Enrique R. Aguirre Aves / Getty Images</mediaCredit>
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			<media:title type="html">americandream</media:title>
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			<media:title type="html">dankadlec</media:title>
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		<title>How to Get the CFPB to Address Your Most Pressing Money Needs</title>
		<link>http://moneyland.time.com/2012/05/10/how-to-get-the-cfpb-to-address-your-most-pressing-money-needs/</link>
		<comments>http://moneyland.time.com/2012/05/10/how-to-get-the-cfpb-to-address-your-most-pressing-money-needs/#comments</comments>
		<pubDate>Thu, 10 May 2012 17:16:10 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Educational Financing]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Financial Reform]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[cfpb]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Financial Decisions]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38850</guid>
		<description><![CDATA[It’s probably too early to turn to the Consumer Financial Protection Bureau’s new website, consumerfinance.gov, for solutions and advice related to your personal financial choices. But there’s never been a better time to check out the site if you want to influence what it eventually will look like. The website is being designed as a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38850&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/10/how-to-get-the-cfpb-to-address-your-most-pressing-money-needs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>Graduation Day Advice: 5 Steps to a Great Career</title>
		<link>http://moneyland.time.com/2012/05/09/graduation-day-5-steps-to-a-great-career/</link>
		<comments>http://moneyland.time.com/2012/05/09/graduation-day-5-steps-to-a-great-career/#comments</comments>
		<pubDate>Wed, 09 May 2012 10:45:49 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Career Strategies]]></category>
		<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Job Markets]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Work/Life Balance]]></category>
		<category><![CDATA[Careers]]></category>
		<category><![CDATA[Commencement]]></category>
		<category><![CDATA[Commencement Speeches]]></category>
		<category><![CDATA[Graduation]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38767</guid>
		<description><![CDATA[In the past few years I’ve read and heard my share of commencement speeches. Some were dull and predictable; others as stirring as you would hope. This past weekend in Oxford, Ohio, came the latter type—at the Farmer School of Business at Miami University. The highlights seem worth sharing in this graduation season, as we [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38767&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/09/graduation-day-5-steps-to-a-great-career/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">College Graduates</media:title>
		</media:content>

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			<media:title type="html">dankadlec</media:title>
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		<title>New From Social Security: Find Benefits Information Online</title>
		<link>http://moneyland.time.com/2012/05/08/new-from-social-security-find-benefits-information-online/</link>
		<comments>http://moneyland.time.com/2012/05/08/new-from-social-security-find-benefits-information-online/#comments</comments>
		<pubDate>Tue, 08 May 2012 14:41:18 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retiring]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38689</guid>
		<description><![CDATA[Social Security accounts for nearly a third of monthly income for the average retiree, according to a BlackRock retirement survey. For many, the benefit is their only source of income. So it’s difficult to plan without a clear picture of what you’ll receive. Now you can find out online. The Social Security Administration has added [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38689&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/08/new-from-social-security-find-benefits-information-online/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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	</item>
		<item>
		<title>Why Annuities are the Answer (But Such a Tough Sell)</title>
		<link>http://moneyland.time.com/2012/05/04/why-annuities-are-the-answer-but-such-a-tough-sell/</link>
		<comments>http://moneyland.time.com/2012/05/04/why-annuities-are-the-answer-but-such-a-tough-sell/#comments</comments>
		<pubDate>Fri, 04 May 2012 18:10:28 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Portfolio Strategy]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Elderly]]></category>
		<category><![CDATA[old age]]></category>
		<category><![CDATA[Retiring]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38487</guid>
		<description><![CDATA[The decline of traditional pensions and steady erosion of Social Security benefits has begun to leave most retirees without a source of guaranteed lifetime income. Plugging that hole is emerging as the most important retirement issue of our day. Good luck figuring this one out. When it comes to the one sure-fire solution—immediate fixed annuities—retirees [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38487&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/04/why-annuities-are-the-answer-but-such-a-tough-sell/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>Alumni Credit Card? First, Lose the Greedy Pitch</title>
		<link>http://moneyland.time.com/2012/05/03/alumni-credit-card-first-lose-the-greedy-pitch/</link>
		<comments>http://moneyland.time.com/2012/05/03/alumni-credit-card-first-lose-the-greedy-pitch/#comments</comments>
		<pubDate>Thu, 03 May 2012 16:00:02 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Scams]]></category>
		<category><![CDATA[Alumni Credit Cards]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[College Students]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[University Credit Cards]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38366</guid>
		<description><![CDATA[Doctors learn to “first, do no harm.” Maybe universities should come to the same understanding before they start hawking credit cards to students on campus. Wait a minute. Wasn’t marketing to students supposed to stop after the Credit CARD Act kicked in a few years ago? Yes, but it hasn’t. A study from the University [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38366&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/03/alumni-credit-card-first-lose-the-greedy-pitch/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Stockbyte / Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/creditcard.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/creditcard.jpg?w=240" medium="image">
			<media:title type="html">creditcard</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d69b05e696e822e7e41ae630be72226a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">dankadlec</media:title>
		</media:content>
	</item>
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		<title>How to Get Even for Poor Customer Service</title>
		<link>http://moneyland.time.com/2012/05/02/how-to-get-even-for-poor-customer-service/</link>
		<comments>http://moneyland.time.com/2012/05/02/how-to-get-even-for-poor-customer-service/#comments</comments>
		<pubDate>Wed, 02 May 2012 16:48:24 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Consumer Spending]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[Customers]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38265</guid>
		<description><![CDATA[We may be living in a service economy, but you’d never know it by the level of service that customers receive. Service, in a word, sucks. That at any rate is the headline from the latest American Express Global Customer Service Barometer. Almost incredibly, 93% of Americans say that companies fail to exceed service expectations [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38265&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/02/how-to-get-even-for-poor-customer-service/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>5 Key Financial Questions for People in Their 50s</title>
		<link>http://moneyland.time.com/2012/05/01/5-key-financial-questions-for-people-in-their-50s/</link>
		<comments>http://moneyland.time.com/2012/05/01/5-key-financial-questions-for-people-in-their-50s/#comments</comments>
		<pubDate>Tue, 01 May 2012 20:34:08 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Home-Equity Loans]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Portfolio Strategy]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Reverse Mortgage]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Retiring]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38205</guid>
		<description><![CDATA[Financial planners generally view long-term security as a two-step process. You build assets during your working years and then spend them in retirement. Accumulate. Distribute. How well you manage to do both helps determine the quality of your later years. But there’s a third, often overlooked step that must be managed too. This is the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38205&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/01/5-key-financial-questions-for-people-in-their-50s/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/d69b05e696e822e7e41ae630be72226a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">dankadlec</media:title>
		</media:content>
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		<title>How an Ad Will Persuade You to Talk to Your Kids About Money</title>
		<link>http://moneyland.time.com/2012/04/30/how-an-ad-will-convince-you-to-talk-to-your-kids-about-money/</link>
		<comments>http://moneyland.time.com/2012/04/30/how-an-ad-will-convince-you-to-talk-to-your-kids-about-money/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 12:00:34 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[Financial Literacy]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38047</guid>
		<description><![CDATA[Coming soon to a magazine, newspaper or Web page near you: emotionally charged public-service messages designed to jolt parents into having &#8220;the talk&#8221; with their kids. Not that talk. The tougher one about how to budget, save and otherwise manage money. The National Financial Educators Council just unveiled a series of gripping print ads that [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38047&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/30/how-an-ad-will-convince-you-to-talk-to-your-kids-about-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCaption><![CDATA[According to this poster, financial illiteracy is like being a blindfolded 5-year-old girl crossing a street.]]></mediaCaption>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/04/thetalk.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/04/thetalk.jpg?w=240" medium="image">
			<media:title type="html">The Talk</media:title>
		</media:content>

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			<media:title type="html">dankadlec</media:title>
		</media:content>
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		<title>Retiring Abroad Is More Hype Than Reality</title>
		<link>http://moneyland.time.com/2012/04/26/retiring-abroad-is-more-hype-than-reality/</link>
		<comments>http://moneyland.time.com/2012/04/26/retiring-abroad-is-more-hype-than-reality/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 15:36:31 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Career Strategies]]></category>
		<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Tax Policy]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Retiring Abroad]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=37936</guid>
		<description><![CDATA[For years we’ve been hearing about the advantages of retiring abroad: low taxes, low cost of living, great climate and exciting cultural attractions. It’s all true in certain countries. Yet there hasn’t exactly been a mass exodus of retirees from the U.S. Things must be pretty good at home, the slow economy notwithstanding. Some 36 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=37936&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/26/retiring-abroad-is-more-hype-than-reality/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>How to Stop a Slow-Motion Disaster: Learning to Live With Global Aging</title>
		<link>http://moneyland.time.com/2012/04/26/how-to-stop-a-slow-motion-disaster-learning-to-live-with-global-aging/</link>
		<comments>http://moneyland.time.com/2012/04/26/how-to-stop-a-slow-motion-disaster-learning-to-live-with-global-aging/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 10:45:03 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Giving]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Job Markets]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[aging]]></category>
		<category><![CDATA[Elderly]]></category>
		<category><![CDATA[G8]]></category>
		<category><![CDATA[Global Aging]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=37101</guid>
		<description><![CDATA[President Obama will host the G-8 nations next month at Camp David, and while it’s not clear exactly what will be on the agenda, it seems one thing won’t be: global aging, which &#8212; among other things &#8212; happens to be the mother of all retirement issues. In the rapidly approaching future, aging populations from [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=37101&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/26/how-to-stop-a-slow-motion-disaster-learning-to-live-with-global-aging/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Photo Illustration by Alexander Ho for TIME; Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/04/wompwomp.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/04/wompwomp.jpg?w=240" medium="image">
			<media:title type="html">Old Globe</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d69b05e696e822e7e41ae630be72226a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">dankadlec</media:title>
		</media:content>
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		<title>Feeling Old? 6 Simple Ways to Stay Healthy</title>
		<link>http://moneyland.time.com/2012/04/24/feeling-old-6-simple-ways-to-stay-healthy/</link>
		<comments>http://moneyland.time.com/2012/04/24/feeling-old-6-simple-ways-to-stay-healthy/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 14:30:11 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Elderly]]></category>
		<category><![CDATA[Getting Older]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[Medicare]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=37773</guid>
		<description><![CDATA[How does it feel to be old? In large measure, the answer depends on the quality of one’s healthcare, and according to a Hartford Foundation survey unveiled today, elder care often is woefully lacking. This experience leads to higher incidences of health issues like depression, injury from falls, and basic disability. Just 7% of adults [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=37773&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/24/feeling-old-6-simple-ways-to-stay-healthy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">dankadlec</media:title>
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		<title>Retirement Income: 5 Steps to Fill the Gaps</title>
		<link>http://moneyland.time.com/2012/04/24/retirement-income-5-steps-to-fill-the-gaps/</link>
		<comments>http://moneyland.time.com/2012/04/24/retirement-income-5-steps-to-fill-the-gaps/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 10:45:33 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Portfolio Strategy]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Fidelity]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[Generation Y]]></category>
		<category><![CDATA[Retiring]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=37532</guid>
		<description><![CDATA[With the giant baby boom generation entering traditional retirement years largely under-saved, the issue of how to secure adequate income for these years has been thrust under a national, if not global, spotlight. Thankfully, this is a fixable problem. In a new study, Fidelity Investments and Strategic Advisers found that 38% of current retirees do [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=37532&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/24/retirement-income-5-steps-to-fill-the-gaps/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/d69b05e696e822e7e41ae630be72226a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">dankadlec</media:title>
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		<title>Financial Literacy: U.S. Trails &#8230; Brazil and Mexico?</title>
		<link>http://moneyland.time.com/2012/04/23/financial-literacy-u-s-trails-brazil-and-mexico/</link>
		<comments>http://moneyland.time.com/2012/04/23/financial-literacy-u-s-trails-brazil-and-mexico/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 12:00:24 +0000</pubDate>
		<dc:creator>Dan Kadlec</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=37681</guid>
		<description><![CDATA[The global movement to teach individuals how to better handle their financial affairs is just getting started, and a survey that Visa International will unveil today shows just how far the movement has to go. Financial literacy scores in the 28 nations that were polled topped out at just over 50%&#8211;a flunking mark by almost [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=37681&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/04/23/financial-literacy-u-s-trails-brazil-and-mexico/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	<mediaCredit>Roberto Peradotto / Getty Images</mediaCredit><mediaCaption><![CDATA[Overview of Rio de Janeiro, Brazil]]></mediaCaption>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/04/rio.jpg?w=240" />
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			<media:title type="html">rio</media:title>
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			<media:title type="html">dankadlec</media:title>
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