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	<title>Ask SmartMoney</title>
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	<link>http://blogs.smartmoney.com/ask</link>
	<description>Your personal finance questions, answered.</description>
	<lastBuildDate>Mon, 27 Aug 2012 22:10:54 +0000</lastBuildDate>
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		<item>
		<title>Buying Whole Life Insurance by Mistake</title>
		<link>http://blogs.smartmoney.com/ask/2012/08/27/buying-whole-life-insurance-by-mistake/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/08/27/buying-whole-life-insurance-by-mistake/#comments</comments>
		<pubDate>Mon, 27 Aug 2012 22:10:54 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=161</guid>
		<description><![CDATA[On my financial adviser’s suggestion, I bought whole life insurance as an investment, but  being single, young and healthy, I’m rethinking it now. Should I keep the policy, or discard it and pay the penalties? ]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/08/27/buying-whole-life-insurance-by-mistake/feed/</wfw:commentRss>
		<slash:comments>23</slash:comments>
		</item>
		<item>
		<title>Collecting Social Security Benefits on Behalf of a First Wife</title>
		<link>http://blogs.smartmoney.com/ask/2012/08/21/can-i-collect-social-security-benefits-on-behalf-of-my-first-wife/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/08/21/can-i-collect-social-security-benefits-on-behalf-of-my-first-wife/#comments</comments>
		<pubDate>Tue, 21 Aug 2012 16:13:08 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Marriage]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=160</guid>
		<description><![CDATA[I’m 58 years old and twice widowed. Can I collect Social Security benefits on behalf of my first wife? If so, at what age can I start?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/08/21/can-i-collect-social-security-benefits-on-behalf-of-my-first-wife/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What 401(k) Plan Should I Suggest to My Employer?</title>
		<link>http://blogs.smartmoney.com/ask/2012/06/13/what-401k-plan-should-i-suggest-to-my-employer/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/06/13/what-401k-plan-should-i-suggest-to-my-employer/#comments</comments>
		<pubDate>Wed, 13 Jun 2012 20:58:56 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[401k Plans]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=158</guid>
		<description><![CDATA[I’d like to suggest a low-cost 401(k) plan to my employer. How can I find options?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/06/13/what-401k-plan-should-i-suggest-to-my-employer/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
	<media:group><media:content url="http://s.wsj.net/public/resources/images/PF-AC741_smasks_A_20120613165446.jpg" type="image/jpg" medium="image" /><media:content url="http://s.wsj.net/public/resources/images/PF-AC741_smasks_C_20120613165446.jpg" type="image/jpg" medium="image" /><media:content url="http://s.wsj.net/public/resources/images/PF-AC741_smasks_D_20120613165446.jpg" type="image/jpg" medium="image" /><media:content url="http://s.wsj.net/public/resources/images/PF-AC741_smasks_E_20120613165446.jpg" type="image/jpg" medium="image" /><media:content url="http://s.wsj.net/public/resources/images/PF-AC741_smasks_G_20120613165446.jpg" type="image/jpg" medium="image" /></media:group>	</item>
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		<title>What Inflation-Hedging Investments Do You Recommend?</title>
		<link>http://blogs.smartmoney.com/ask/2012/06/13/what-inflation-hedging-investments-do-you-recommend/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/06/13/what-inflation-hedging-investments-do-you-recommend/#comments</comments>
		<pubDate>Wed, 13 Jun 2012 20:43:59 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[Alternative Investing]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=157</guid>
		<description><![CDATA[I’d like to avoid bonds because of their current low yields and interest-rate risk. What are some good, inflation-hedging alternatives to consider?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/06/13/what-inflation-hedging-investments-do-you-recommend/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Should I Pay My Federal Student Loan Off Now?</title>
		<link>http://blogs.smartmoney.com/ask/2012/06/13/should-i-pay-my-federal-student-loan-off-now/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/06/13/should-i-pay-my-federal-student-loan-off-now/#comments</comments>
		<pubDate>Wed, 13 Jun 2012 20:36:47 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=156</guid>
		<description><![CDATA[I have a federal student loan with an 8.5 percent interest rate. Should I pay it off now or consolidate all my debt after I graduate?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/06/13/should-i-pay-my-federal-student-loan-off-now/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>If Laid Off, Must I Pay 401(k) Loan Penalties?</title>
		<link>http://blogs.smartmoney.com/ask/2012/05/16/do-i-have-to-pay-a-penalty-on-my-401k-loan-if-i-was-laid-off/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/05/16/do-i-have-to-pay-a-penalty-on-my-401k-loan-if-i-was-laid-off/#comments</comments>
		<pubDate>Wed, 16 May 2012 18:33:03 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[401k Plans]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=155</guid>
		<description><![CDATA[I was recently laid off, and I have a loan from my 401(k). Do I have to pay penalties on this since I lost my job through no fault of my own?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/05/16/do-i-have-to-pay-a-penalty-on-my-401k-loan-if-i-was-laid-off/feed/</wfw:commentRss>
		<slash:comments>25</slash:comments>
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		<title>What&#8217;s the Best Way to Invest in Bonds?</title>
		<link>http://blogs.smartmoney.com/ask/2012/05/16/whats-the-best-way-to-invest-in-bonds/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/05/16/whats-the-best-way-to-invest-in-bonds/#comments</comments>
		<pubDate>Wed, 16 May 2012 18:29:37 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=154</guid>
		<description><![CDATA[I want to invest in bonds. How do yield fluctuations affect prices? What about interest rates?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/05/16/whats-the-best-way-to-invest-in-bonds/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<title>Can I Convert to a Roth IRA &#8212; and Open a New One?</title>
		<link>http://blogs.smartmoney.com/ask/2012/05/16/can-i-convert-a-traditional-ira-to-a-roth-and-then-open-another-roth/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/05/16/can-i-convert-a-traditional-ira-to-a-roth-and-then-open-another-roth/#comments</comments>
		<pubDate>Wed, 16 May 2012 18:27:18 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[IRAs]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Roth IRAs]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=153</guid>
		<description><![CDATA[I’m retired and earning $6,000 annually by working part-time. If I convert a traditional IRA to a Roth, can I open a separate Roth in the same calendar year? The rollover amount, by the way, is less than what I’m earning at my job. ]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/05/16/can-i-convert-a-traditional-ira-to-a-roth-and-then-open-another-roth/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>As a Retiree, How Should I Calculate My Asset Allocation?</title>
		<link>http://blogs.smartmoney.com/ask/2012/05/07/as-a-retiree-how-should-i-calculate-my-asset-allocation/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/05/07/as-a-retiree-how-should-i-calculate-my-asset-allocation/#comments</comments>
		<pubDate>Mon, 07 May 2012 21:38:15 +0000</pubDate>
		<dc:creator>Anna Prior</dc:creator>
				<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=150</guid>
		<description><![CDATA[When calculating my asset allocation, should I put dividend-paying stocks in the stock or bond category?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/05/07/as-a-retiree-how-should-i-calculate-my-asset-allocation/feed/</wfw:commentRss>
		<slash:comments>20</slash:comments>
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		<item>
		<title>Are Dividend-Reinvestment Plans Risky?</title>
		<link>http://blogs.smartmoney.com/ask/2012/04/30/are-dividend-reinvestment-plans-risky/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/04/30/are-dividend-reinvestment-plans-risky/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 19:02:43 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=148</guid>
		<description><![CDATA[Are they an easy way to start investing on my own, outside of my 401(k)?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/04/30/are-dividend-reinvestment-plans-risky/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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