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	<title>Ask SmartMoney</title>
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	<description>Your personal finance questions, answered.</description>
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		<item>
		<title>Do I Have to Pay a Penalty on My 401(k) Loan if I Was Laid Off?</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>SmartMoney Staff</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>0</slash:comments>
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		<item>
		<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>SmartMoney Staff</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>0</slash:comments>
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		<item>
		<title>Can I Convert a Traditional IRA to a Roth &#8212; and Then Open Another Roth?</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>SmartMoney Staff</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>0</slash:comments>
	<media:group><media:content url="http://s.wsj.net/public/resources/images/PF-AA836_smask3_A_20110715143752.jpg" type="image/jpg" medium="image" /></media:group>	</item>
		<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>SmartMoney Staff</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>15</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>3</slash:comments>
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		<item>
		<title>Should College Savings Be in a Parent or Child&#8217;s Name?</title>
		<link>http://blogs.smartmoney.com/ask/2012/04/26/should-college-savings-be-in-a-parent-or-childs-name/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/04/26/should-college-savings-be-in-a-parent-or-childs-name/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 14:29:01 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[College Planning]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=147</guid>
		<description><![CDATA[When saving for college, is it better to have money in the child’s name or a parent’s name? How does this affect financial aid? ]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/04/26/should-college-savings-be-in-a-parent-or-childs-name/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<item>
		<title>What Taxes Must a Foreign National Pay?</title>
		<link>http://blogs.smartmoney.com/ask/2012/04/04/what-taxes-does-a-foreign-national-pay/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/04/04/what-taxes-does-a-foreign-national-pay/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 21:57:16 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=146</guid>
		<description><![CDATA[My husband is a foreign national. What taxes will he pay if he inherits my assets—a whole life insurance policy and a 403(b) account?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/04/04/what-taxes-does-a-foreign-national-pay/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<item>
		<title>Is it Risky to Put All My Investments With One Firm?</title>
		<link>http://blogs.smartmoney.com/ask/2012/03/21/is-it-risky-to-put-all-my-investments-with-one-firm/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/03/21/is-it-risky-to-put-all-my-investments-with-one-firm/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 17:28:34 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[401k Plans]]></category>
		<category><![CDATA[IRAs]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=145</guid>
		<description><![CDATA[My wife and I are retired, and I want to consolidate our investments under one roof. Are we putting ourselves at risk?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/03/21/is-it-risky-to-put-all-my-investments-with-one-firm/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
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		<item>
		<title>Can I Write Off Losses From a Rental Property Sale?</title>
		<link>http://blogs.smartmoney.com/ask/2012/03/14/can-i-write-off-losses-from-a-rental-property-sale/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/03/14/can-i-write-off-losses-from-a-rental-property-sale/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 20:31:49 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Buying and Selling a House]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=143</guid>
		<description><![CDATA[I recently sold a rental property for less than half of what I paid for it. Can I write off the loss? ]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/03/14/can-i-write-off-losses-from-a-rental-property-sale/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<item>
		<title>As a Recent College Grad, How Do I Find a Financial Adviser?</title>
		<link>http://blogs.smartmoney.com/ask/2012/02/13/138/?mod=SMBlog</link>
		<comments>http://blogs.smartmoney.com/ask/2012/02/13/138/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 20:54:24 +0000</pubDate>
		<dc:creator>SmartMoney Staff</dc:creator>
				<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://blogs.smartmoney.com/ask/?p=138</guid>
		<description><![CDATA[I’ve recently started my first post-college job and am saving for retirement, but I’d like some help with the rest of my money matters. How do I find a financial adviser?]]></description>
		<wfw:commentRss>http://blogs.smartmoney.com/ask/2012/02/13/138/feed/</wfw:commentRss>
		<slash:comments>22</slash:comments>
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