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<channel>
	<title>Tips Tricks Resources</title>
	<link>http://www.tips.com.my</link>
	<description>Video Based Article Search Engine Directory</description>
	<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
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		<title>Opportunity Cost and Your Long Term Care Decision</title>
		<link>http://www.tips.com.my/Article/Opportunity Cost and Your Long Term Care Decision/56646</link>
		<comments>http://www.tips.com.my/Article/Opportunity Cost and Your Long Term Care Decision/56646/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Opportunity Cost and Your Long Term Care Decision/56646</guid>
		<description><![CDATA[Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed. [...]]]></description>
		<content:encoded><![CDATA[Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/long+term+care' rel=tag target='_blank'>long term care</a>, <a href='http://www.technorati.com/tag/ltci' rel=tag target='_blank'> ltci</a>, <a href='http://www.technorati.com/tag/ltc' rel=tag target='_blank'> ltc</a>]]></content:encoded>
		

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		<title>SEP IRAs: A Path to More Retirement Income-</title>
		<link>http://www.tips.com.my/Article/SEP IRAs: A Path to More Retirement Income-/56797</link>
		<comments>http://www.tips.com.my/Article/SEP IRAs: A Path to More Retirement Income-/56797/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/SEP IRAs: A Path to More Retirement Income-/56797</guid>
		<description><![CDATA[Do you have your own business? Do you have a 401(k) at work and have self-employment income on the side? If so, the SEP IRA may be one alternative to building a bigger retirement nest egg. [...]]]></description>
		<content:encoded><![CDATA[Do you have your own business? Do you have a 401(k) at work and have self-employment income on the side? If so, the SEP IRA may be one alternative to building a bigger retirement nest egg.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/sep+ira' rel=tag target='_blank'>sep ira</a>, <a href='http://www.technorati.com/tag/sep' rel=tag target='_blank'> sep</a>, <a href='http://www.technorati.com/tag/save+more+for+retirement' rel=tag target='_blank'> save more for retirement</a>, <a href='http://www.technorati.com/tag/sep+ira+rules' rel=tag target='_blank'> sep ira rules</a>, <a href='http://www.technorati.com/tag/sep+ira+benefits' rel=tag target='_blank'> sep ira benefits</a>]]></content:encoded>
		

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	<item>
		<title>IRAs and Early Retirement</title>
		<link>http://www.tips.com.my/Article/IRAs and Early Retirement/55577</link>
		<comments>http://www.tips.com.my/Article/IRAs and Early Retirement/55577/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/IRAs and Early Retirement/55577</guid>
		<description><![CDATA[If you retire early and roll your 401(k) into an IRA, what is the best way to take out income to live on? What are the rules? What are the penalties for taking money out before the magic age of 59 1/2? What are the exceptions? What are the work-arounds? [...]]]></description>
		<content:encoded><![CDATA[If you retire early and roll your 401(k) into an IRA, what is the best way to take out income to live on? What are the rules? What are the penalties for taking money out before the magic age of 59 1/2? What are the exceptions? What are the work-arounds?<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/early+retirement' rel=tag target='_blank'>early retirement</a>, <a href='http://www.technorati.com/tag/retiring+early' rel=tag target='_blank'> retiring early</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/early+ira+distributions' rel=tag target='_blank'> early ira distributions</a>, <a href='http://www.technorati.com/tag/ira+early+withdrawals' rel=tag target='_blank'> ira early withdrawals</a>]]></content:encoded>
		

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		<title>Simplifying a Difficult Senior Planning Decision: The Family Home</title>
		<link>http://www.tips.com.my/Article/Simplifying a Difficult Senior Planning Decision: The Family Home/55946</link>
		<comments>http://www.tips.com.my/Article/Simplifying a Difficult Senior Planning Decision: The Family Home/55946/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Simplifying a Difficult Senior Planning Decision: The Family Home/55946</guid>
		<description><![CDATA[Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out. [...]]]></description>
		<content:encoded><![CDATA[Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/senior+stay+in+home' rel=tag target='_blank'>senior stay in home</a>, <a href='http://www.technorati.com/tag/senior+sell+home' rel=tag target='_blank'> senior sell home</a>, <a href='http://www.technorati.com/tag/home+in+trust' rel=tag target='_blank'> home in trust</a>, <a href='http://www.technorati.com/tag/sell+home+to+children' rel=tag target='_blank'> sell home to children</a>, <a href='http://www.technorati.com/tag/home+gift+leaseback' rel=tag target='_blank'> home gift leaseback</a>, <a href='http://www.technorati.com/tag/reverse+mortgage' rel=tag target='_blank'> reverse mortgage</a>]]></content:encoded>
		

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		<title>Who Should Be the Beneficiary of Your IRA-</title>
		<link>http://www.tips.com.my/Article/Who Should Be the Beneficiary of Your IRA-/54562</link>
		<comments>http://www.tips.com.my/Article/Who Should Be the Beneficiary of Your IRA-/54562/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Who Should Be the Beneficiary of Your IRA-/54562</guid>
		<description><![CDATA[Why is making the proper beneficiary election for your IRA important? Does your election follow the rules? Is it the best one for your family circumstances? Is there a better one? Find out by taking a look a few common beneficiary elections and their results. [...]]]></description>
		<content:encoded><![CDATA[Why is making the proper beneficiary election for your IRA important? Does your election follow the rules? Is it the best one for your family circumstances? Is there a better one? Find out by taking a look a few common beneficiary elections and their results.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/ira+beneficiary' rel=tag target='_blank'>ira beneficiary</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'> roth ira</a>, <a href='http://www.technorati.com/tag/ira+probate' rel=tag target='_blank'> ira probate</a>]]></content:encoded>
		

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		<title>IRA Distribution Rules at Death: Critical Knowledge for Good Decisions</title>
		<link>http://www.tips.com.my/Article/IRA Distribution Rules at Death: Critical Knowledge for Good Decisions/53425</link>
		<comments>http://www.tips.com.my/Article/IRA Distribution Rules at Death: Critical Knowledge for Good Decisions/53425/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/IRA Distribution Rules at Death: Critical Knowledge for Good Decisions/53425</guid>
		<description><![CDATA[Your IRA could be one of your biggest assets. Do you know the IRA distribution rules at death? Do you have your IRA set up so your desires match the rules? Here’s a quick primer that could help you avert costly mistakes. [...]]]></description>
		<content:encoded><![CDATA[Your IRA could be one of your biggest assets. Do you know the IRA distribution rules at death? Do you have your IRA set up so your desires match the rules? Here’s a quick primer that could help you avert costly mistakes.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'>ira</a>, <a href='http://www.technorati.com/tag/ira+distribution+rules' rel=tag target='_blank'> ira distribution rules</a>, <a href='http://www.technorati.com/tag/ira+beneficiary' rel=tag target='_blank'> ira beneficiary</a>]]></content:encoded>
		

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		<title>Roth IRA Distributions at Death: Pitfalls to Avoid</title>
		<link>http://www.tips.com.my/Article/Roth IRA Distributions at Death: Pitfalls to Avoid/52657</link>
		<comments>http://www.tips.com.my/Article/Roth IRA Distributions at Death: Pitfalls to Avoid/52657/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Roth IRA Distributions at Death: Pitfalls to Avoid/52657</guid>
		<description><![CDATA[Your IRA may represent the bulk of your estate. Care must be taken to assure that your wishes for the distribution at your death follow the rules. Here are the rules and several common mistakes to avoid. [...]]]></description>
		<content:encoded><![CDATA[Your IRA may represent the bulk of your estate. Care must be taken to assure that your wishes for the distribution at your death follow the rules. Here are the rules and several common mistakes to avoid.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'>roth ira</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/ira+distributions' rel=tag target='_blank'> ira distributions</a>, <a href='http://www.technorati.com/tag/ira+distributions+death' rel=tag target='_blank'> ira distributions death</a>, <a href='http://www.technorati.com/tag/required+minimum+distributions' rel=tag target='_blank'> required minimum distributions</a>, <a href='http://www.technorati.com/tag/rmd' rel=tag target='_blank'> rmd</a>]]></content:encoded>
		

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		<title>Roth IRAs: Test Your Knowledge</title>
		<link>http://www.tips.com.my/Article/Roth IRAs: Test Your Knowledge/51794</link>
		<comments>http://www.tips.com.my/Article/Roth IRAs: Test Your Knowledge/51794/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Roth IRAs: Test Your Knowledge/51794</guid>
		<description><![CDATA[Roth IRAs are popular, but the rules are complicated. Take this quick 5 question quiz and see if you are up to speed on the Roth IRA. [...]]]></description>
		<content:encoded><![CDATA[Roth IRAs are popular, but the rules are complicated. Take this quick 5 question quiz and see if you are up to speed on the Roth IRA.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'>roth ira</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/ira+contribution+limit' rel=tag target='_blank'> ira contribution limit</a>, <a href='http://www.technorati.com/tag/ira+rollover' rel=tag target='_blank'> ira rollover</a>, <a href='http://www.technorati.com/tag/ira+qualified+distribution' rel=tag target='_blank'> ira qualified distribution</a>]]></content:encoded>
		

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		<title>Looking For Another Income Tax Deduction-  You Might Qualify For an IRA and Not Know It</title>
		<link>http://www.tips.com.my/Article/Looking For Another Income Tax Deduction-  You Might Qualify For an IRA and Not Know It/50750</link>
		<comments>http://www.tips.com.my/Article/Looking For Another Income Tax Deduction-  You Might Qualify For an IRA and Not Know It/50750/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Looking For Another Income Tax Deduction-  You Might Qualify For an IRA and Not Know It/50750</guid>
		<description><![CDATA[Are you searching for another income tax deduction and wonder whether you qualify for an IRA? If so, here are the new contribution rules--some brand new as the result of the Pension Protection Act of 2006. [...]]]></description>
		<content:encoded><![CDATA[Are you searching for another income tax deduction and wonder whether you qualify for an IRA? If so, here are the new contribution rules--some brand new as the result of the Pension Protection Act of 2006.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/income+tax+deduction' rel=tag target='_blank'>income tax deduction</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/ira+contribution+rules' rel=tag target='_blank'> ira contribution rules</a>, <a href='http://www.technorati.com/tag/ira+eligibility' rel=tag target='_blank'> ira eligibility</a>, <a href='http://www.technorati.com/tag/ira+maximum+contribution+limits' rel=tag target='_blank'> ira maximum contribution limits</a>, <a href='http://www.technorati.com/tag/traditional+ira' rel=tag target='_blank'> traditional ira</a>, <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'> roth ira</a>]]></content:encoded>
		

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		<title>Top 10 Useful Ideas to Plan for Your Retirement</title>
		<link>http://www.tips.com.my/Article/Top 10 Useful Ideas to Plan for Your Retirement/44478</link>
		<comments>http://www.tips.com.my/Article/Top 10 Useful Ideas to Plan for Your Retirement/44478/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Top 10 Useful Ideas to Plan for Your Retirement/44478</guid>
		<description><![CDATA[If you are serious with your objectives in life, then it is now time for you to start thinking where and how to start with your retirement planning. There are essentially top ten useful moves to take when preparing for retirement. These steps must, however, be considered as they can help you obtain a comfortable life in the end after you quit from the work force. [...]]]></description>
		<content:encoded><![CDATA[If you are serious with your objectives in life, then it is now time for you to start thinking where and how to start with your retirement planning. There are essentially top ten useful moves to take when preparing for retirement. These steps must, however, be considered as they can help you obtain a comfortable life in the end after you quit from the work force.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/planning' rel=tag target='_blank'> planning</a>, <a href='http://www.technorati.com/tag/retirement+planning' rel=tag target='_blank'> retirement planning</a>, <a href='http://www.technorati.com/tag/financial+planning' rel=tag target='_blank'> financial planning</a>, <a href='http://www.technorati.com/tag/insurance' rel=tag target='_blank'> insurance</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'> roth ira</a>, <a href='http://www.technorati.com/tag/401k' rel=tag target='_blank'> 401k</a>, <a href='http://www.technorati.com/tag/investment+planning' rel=tag target='_blank'> investment planning</a>, <a href='http://www.technorati.com/tag/retirement+plans' rel=tag target='_blank'> retirement plans</a>]]></content:encoded>
		

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		<title>No Cold Soup at Your Retirement</title>
		<link>http://www.tips.com.my/Article/No Cold Soup at Your Retirement/40192</link>
		<comments>http://www.tips.com.my/Article/No Cold Soup at Your Retirement/40192/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/No Cold Soup at Your Retirement/40192</guid>
		<description><![CDATA[All retirees hope that they will have enough cash to see them comfortably through their retirement years.  The alternative is obviously more ominous – that they will outlive the comfort of their savings.   The truth that most baby boomers have yet to comprehend that even through they will have their parents savings and life insurance plans to live off of we are living longer.  Baby boomers will need to carry themselves on their retirement savings many times longer than life span that actuaries used in their precious calculations. [...]]]></description>
		<content:encoded><![CDATA[All retirees hope that they will have enough cash to see them comfortably through their retirement years.  The alternative is obviously more ominous – that they will outlive the comfort of their savings.   The truth that most baby boomers have yet to comprehend that even through they will have their parents savings and life insurance plans to live off of we are living longer.  Baby boomers will need to carry themselves on their retirement savings many times longer than life span that actuaries used in their precious calculations.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/410k' rel=tag target='_blank'>410k </a>, <a href='http://www.technorati.com/tag/"401+k"' rel=tag target='_blank'> "401 k"</a>, <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/cash' rel=tag target='_blank'>cash</a>, <a href='http://www.technorati.com/tag/wealth' rel=tag target='_blank'>wealth</a>, <a href='http://www.technorati.com/tag/rretirement' rel=tag target='_blank'>rretirement</a>, <a href='http://www.technorati.com/tag/poverty' rel=tag target='_blank'>poverty</a>, <a href='http://www.technorati.com/tag/ertirement' rel=tag target='_blank'>ertirement</a>, <a href='http://www.technorati.com/tag/widows' rel=tag target='_blank'>widows</a>]]></content:encoded>
		

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		<title>Want A Better Retirement Plan-  Own Your Own Business</title>
		<link>http://www.tips.com.my/Article/Want A Better Retirement Plan-  Own Your Own Business/40499</link>
		<comments>http://www.tips.com.my/Article/Want A Better Retirement Plan-  Own Your Own Business/40499/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Want A Better Retirement Plan-  Own Your Own Business/40499</guid>
		<description><![CDATA[Owning your own business allows you to take advantage of the high return retirement plans available to entrepreneurs and become financially independent. [...]]]></description>
		<content:encoded><![CDATA[Owning your own business allows you to take advantage of the high return retirement plans available to entrepreneurs and become financially independent.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/entrepreneur' rel=tag target='_blank'> entrepreneur</a>, <a href='http://www.technorati.com/tag/tax+deductions' rel=tag target='_blank'> tax deductions</a>, <a href='http://www.technorati.com/tag/financial+freedom' rel=tag target='_blank'> financial freedom</a>]]></content:encoded>
		

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		<title>The Hurrier I Go the Behinder I Get</title>
		<link>http://www.tips.com.my/Article/The Hurrier I Go the Behinder I Get/8874</link>
		<comments>http://www.tips.com.my/Article/The Hurrier I Go the Behinder I Get/8874/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/The Hurrier I Go the Behinder I Get/8874</guid>
		<description><![CDATA[When are Social Security checks potentially loans and not benefits?  Why, when you have "excess earnings" of course.  In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet.  Retirees who wa [...]]]></description>
		<content:encoded><![CDATA[When are Social Security checks potentially loans and not benefits?  Why, when you have "excess earnings" of course.  In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet.  Retirees who wa<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/ohio' rel=tag target='_blank'>ohio</a>, <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'> retirement</a>, <a href='http://www.technorati.com/tag/investment' rel=tag target='_blank'> investment</a>, <a href='http://www.technorati.com/tag/help' rel=tag target='_blank'> help</a>, <a href='http://www.technorati.com/tag/advice' rel=tag target='_blank'> advice</a>, <a href='http://www.technorati.com/tag/401k' rel=tag target='_blank'> 401k</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/financial' rel=tag target='_blank'> financial</a>]]></content:encoded>
		

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		<title>Retirement Q-A: Understanding Your Options For Retirement Communities</title>
		<link>http://www.tips.com.my/Article/Retirement Q-A: Understanding Your Options For Retirement Communities/8911</link>
		<comments>http://www.tips.com.my/Article/Retirement Q-A: Understanding Your Options For Retirement Communities/8911/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Retirement Q-A: Understanding Your Options For Retirement Communities/8911</guid>
		<description><![CDATA[* What are Active Adult Communities?

Active Adult Communities are specially designed communities for those who are age 55 and above. They are designed for a lifestyle best suited to their age.

These are for couples who have no children living with them anymore. They can enjoy living in this kind of community along with other people in their own age group. Here there are two to three bedroom houses being offered to their community members.

These active adult communiti... [...]]]></description>
		<content:encoded><![CDATA[* What are Active Adult Communities?

Active Adult Communities are specially designed communities for those who are age 55 and above. They are designed for a lifestyle best suited to their age.

These are for couples who have no children living with them anymore. They can enjoy living in this kind of community along with other people in their own age group. Here there are two to three bedroom houses being offered to their community members.

These active adult communiti...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/retirement+living' rel=tag target='_blank'>retirement living</a>, <a href='http://www.technorati.com/tag/retirement+communities' rel=tag target='_blank'>retirement communities</a>, <a href='http://www.technorati.com/tag/active+adult+communities' rel=tag target='_blank'>active adult communities</a>, <a href='http://www.technorati.com/tag/nursing+homes' rel=tag target='_blank'>nursing homes</a>, <a href='http://www.technorati.com/tag/continuin' rel=tag target='_blank'>continuin</a>]]></content:encoded>
		

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		<title>Working In Retirement</title>
		<link>http://www.tips.com.my/Article/Working In Retirement/8628</link>
		<comments>http://www.tips.com.my/Article/Working In Retirement/8628/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Working In Retirement/8628</guid>
		<description><![CDATA[Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect. 

They believe a sufficient percentage – some estimates are as high as 80% - will continue to work in some capacity or another, relieving much of the pressure o... [...]]]></description>
		<content:encoded><![CDATA[Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect. 

They believe a sufficient percentage – some estimates are as high as 80% - will continue to work in some capacity or another, relieving much of the pressure o...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/working+in+retirement' rel=tag target='_blank'> working in retirement</a>, <a href='http://www.technorati.com/tag/financial+planning' rel=tag target='_blank'> financial planning</a>]]></content:encoded>
		

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		<title>A Car Loan For People With Bad Credit</title>
		<link>http://www.tips.com.my/Article/A Car Loan For People With Bad Credit/7433</link>
		<comments>http://www.tips.com.my/Article/A Car Loan For People With Bad Credit/7433/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/A Car Loan For People With Bad Credit/7433</guid>
		<description><![CDATA[Most banks have strict policies about whom they will lend their money to and for what the money will be used. They will not grant you a car loan for a used car which is older than five years. They charge higher interest rates on loans for used cars than on loans for new cars. And very rarely do they grant loans to people who fall under the “subprime” category.

A person who is considered a subprime borrower is one who has a blemished credit history. He may not be paying his... [...]]]></description>
		<content:encoded><![CDATA[Most banks have strict policies about whom they will lend their money to and for what the money will be used. They will not grant you a car loan for a used car which is older than five years. They charge higher interest rates on loans for used cars than on loans for new cars. And very rarely do they grant loans to people who fall under the “subprime” category.

A person who is considered a subprime borrower is one who has a blemished credit history. He may not be paying his...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/car+loans' rel=tag target='_blank'>car loans</a>, <a href='http://www.technorati.com/tag/family+finance' rel=tag target='_blank'> family finance</a>, <a href='http://www.technorati.com/tag/loan' rel=tag target='_blank'> loan</a>]]></content:encoded>
		

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		<title>How many years do you have left until you-re 65-</title>
		<link>http://www.tips.com.my/Article/How many years do you have left until you-re 65-/4625</link>
		<comments>http://www.tips.com.my/Article/How many years do you have left until you-re 65-/4625/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/How many years do you have left until you-re 65-/4625</guid>
		<description><![CDATA[Reality Check - Whether retirement is just around the corner or have many more years to go, setting yourself up for retirement is key and must start now. [...]]]></description>
		<content:encoded><![CDATA[Reality Check - Whether retirement is just around the corner or have many more years to go, setting yourself up for retirement is key and must start now.<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/roth+ira' rel=tag target='_blank'> roth ira</a>, <a href='http://www.technorati.com/tag/wealth+building' rel=tag target='_blank'> wealth building</a>, <a href='http://www.technorati.com/tag/roth+ira+ru' rel=tag target='_blank'> roth ira ru</a>]]></content:encoded>
		

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		<title>Advice For Seniors - Working Your Way Through Retirement</title>
		<link>http://www.tips.com.my/Article/Advice For Seniors - Working Your Way Through Retirement/3866</link>
		<comments>http://www.tips.com.my/Article/Advice For Seniors - Working Your Way Through Retirement/3866/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Advice For Seniors - Working Your Way Through Retirement/3866</guid>
		<description><![CDATA[Caring for the elderly can be daunting and challenging at times. It is something to that everybody has something to worry about sometime. Everyone gets old in each and every family, and at the very least, most people have a relative of an advanced age. This stage poses a lot of uncertainty and behavioral change that the person himself/herself is unaware and can hardly control. 

1. Theory on Behavioral Change Among Elderly

Each of life’s stages are characterized by unpre... [...]]]></description>
		<content:encoded><![CDATA[Caring for the elderly can be daunting and challenging at times. It is something to that everybody has something to worry about sometime. Everyone gets old in each and every family, and at the very least, most people have a relative of an advanced age. This stage poses a lot of uncertainty and behavioral change that the person himself/herself is unaware and can hardly control. 

1. Theory on Behavioral Change Among Elderly

Each of life’s stages are characterized by unpre...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement+planning' rel=tag target='_blank'>retirement planning</a>, <a href='http://www.technorati.com/tag/retirement+gifts' rel=tag target='_blank'>retirement gifts</a>, <a href='http://www.technorati.com/tag/south+carolina+retirement+communities' rel=tag target='_blank'>south carolina retirement communities</a>, <a href='http://www.technorati.com/tag/florida+retirement+community' rel=tag target='_blank'>florida retirement community</a>, <a href='http://www.technorati.com/tag/individual+retirement+account' rel=tag target='_blank'>individual retirement account</a>]]></content:encoded>
		

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		<title>The Retirement-Savings Vs. College-Savings Dilemma</title>
		<link>http://www.tips.com.my/Article/The Retirement-Savings Vs. College-Savings Dilemma/3544</link>
		<comments>http://www.tips.com.my/Article/The Retirement-Savings Vs. College-Savings Dilemma/3544/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/The Retirement-Savings Vs. College-Savings Dilemma/3544</guid>
		<description><![CDATA[Before a child is born, every parent considers (even if briefly) the cost of raising a child and to put them through college. And the question about saving money that you’ll consider at some point is: how do I evaluate whether I should be saving for my own retirement or saving for the kids’ college?

The obvious answer is to save for both. But few young parents have the earning power and lifestyle discipline to have extra money left over at the end of the month. It simply i... [...]]]></description>
		<content:encoded><![CDATA[Before a child is born, every parent considers (even if briefly) the cost of raising a child and to put them through college. And the question about saving money that you’ll consider at some point is: how do I evaluate whether I should be saving for my own retirement or saving for the kids’ college?

The obvious answer is to save for both. But few young parents have the earning power and lifestyle discipline to have extra money left over at the end of the month. It simply i...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement+savings' rel=tag target='_blank'>retirement savings</a>, <a href='http://www.technorati.com/tag/college+savings' rel=tag target='_blank'>college savings</a>, <a href='http://www.technorati.com/tag/budgeting' rel=tag target='_blank'>budgeting</a>, <a href='http://www.technorati.com/tag/personal+finance' rel=tag target='_blank'>personal finance</a>]]></content:encoded>
		

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		<title>401k Retirement Plans Explained</title>
		<link>http://www.tips.com.my/Article/401k Retirement Plans Explained/2143</link>
		<comments>http://www.tips.com.my/Article/401k Retirement Plans Explained/2143/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/401k Retirement Plans Explained/2143</guid>
		<description><![CDATA[401k retirement plans are special types of accounts, financed through pre-tax payroll deductions. The funds in your account are invested in various ways. Your funds can be invested through any number of stocks, mutual funds, and other ways, and it is not taxed on any capital gains or interest until the money is pulled out or withdrawn. Congress approved this retirement savings plan in 1981, and its name was rooted from the section of the Internal Revenue Code that contains it... [...]]]></description>
		<content:encoded><![CDATA[401k retirement plans are special types of accounts, financed through pre-tax payroll deductions. The funds in your account are invested in various ways. Your funds can be invested through any number of stocks, mutual funds, and other ways, and it is not taxed on any capital gains or interest until the money is pulled out or withdrawn. Congress approved this retirement savings plan in 1981, and its name was rooted from the section of the Internal Revenue Code that contains it...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/' rel=tag target='_blank'></a>]]></content:encoded>
		

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		<title>Preparing For Your Golden Years</title>
		<link>http://www.tips.com.my/Article/Preparing For Your Golden Years/1892</link>
		<comments>http://www.tips.com.my/Article/Preparing For Your Golden Years/1892/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Preparing For Your Golden Years/1892</guid>
		<description><![CDATA[Planning for your retirement is obviously a good idea. The phrase "the earlier, the better" describes what your policy should be for handling your transition from a harried work life to your relaxed golden years. At best, take twenty four to eighteen months to prepare for this significant change in your life. 

* Cleaning Up - Try to pay off any outstanding debts or fiscal responsibilities before moving on, especially those that are hedged against your retirement plan. If y... [...]]]></description>
		<content:encoded><![CDATA[Planning for your retirement is obviously a good idea. The phrase "the earlier, the better" describes what your policy should be for handling your transition from a harried work life to your relaxed golden years. At best, take twenty four to eighteen months to prepare for this significant change in your life. 

* Cleaning Up - Try to pay off any outstanding debts or fiscal responsibilities before moving on, especially those that are hedged against your retirement plan. If y...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/individual+retirement+account' rel=tag target='_blank'> individual retirement account</a>, <a href='http://www.technorati.com/tag/sep' rel=tag target='_blank'> sep</a>, <a href='http://www.technorati.com/tag/rollover' rel=tag target='_blank'> rollover</a>]]></content:encoded>
		

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		<title>Planning For Retirement Activities</title>
		<link>http://www.tips.com.my/Article/Planning For Retirement Activities/1893</link>
		<comments>http://www.tips.com.my/Article/Planning For Retirement Activities/1893/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Planning For Retirement Activities/1893</guid>
		<description><![CDATA[Retirement doesn’t mean the end of an active lifestyle. Quite the contrary, it opens up new opportunities for many new activities. Some retirees substitute voluntary community work for their former work. This gives definition or meaning to their roles after retirement.

Household work, volunteer work, family roles and community service actually increase after retirement. The familial roles of grandparents increase because of the expanded time available for travel. 

The s... [...]]]></description>
		<content:encoded><![CDATA[Retirement doesn’t mean the end of an active lifestyle. Quite the contrary, it opens up new opportunities for many new activities. Some retirees substitute voluntary community work for their former work. This gives definition or meaning to their roles after retirement.

Household work, volunteer work, family roles and community service actually increase after retirement. The familial roles of grandparents increase because of the expanded time available for travel. 

The s...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/individual+retirement+account' rel=tag target='_blank'> individual retirement account</a>, <a href='http://www.technorati.com/tag/sep' rel=tag target='_blank'> sep</a>, <a href='http://www.technorati.com/tag/rollover' rel=tag target='_blank'> rollover</a>]]></content:encoded>
		

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		<title>What Is Public Employees- Retirement System-</title>
		<link>http://www.tips.com.my/Article/What Is Public Employees- Retirement System-/1894</link>
		<comments>http://www.tips.com.my/Article/What Is Public Employees- Retirement System-/1894/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/What Is Public Employees- Retirement System-/1894</guid>
		<description><![CDATA[The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary. 
 
The Public Employees Retirement system also covers survivor and disability protection. ... [...]]]></description>
		<content:encoded><![CDATA[The Public Employee Retirement System is for government employees except for teachers and students. This is a mandatory membership and all members should fill out a form of application at the beginning of their employment. It is a benefit plan that gives benefits to employees once they retire. This will be based on the number of years they rendered service and on their average salary. 
 
The Public Employees Retirement system also covers survivor and disability protection. ...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/individual+retirement+account' rel=tag target='_blank'> individual retirement account</a>, <a href='http://www.technorati.com/tag/sep' rel=tag target='_blank'> sep</a>, <a href='http://www.technorati.com/tag/rollover' rel=tag target='_blank'> rollover</a>]]></content:encoded>
		

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		<title>The Four Classifications Of A Public Retirement System</title>
		<link>http://www.tips.com.my/Article/The Four Classifications Of A Public Retirement System/1895</link>
		<comments>http://www.tips.com.my/Article/The Four Classifications Of A Public Retirement System/1895/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/The Four Classifications Of A Public Retirement System/1895</guid>
		<description><![CDATA[It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working schedule is modified into a more relaxing pace, away from the hustle and bustle of the everyday struggle to work.

It is the day of retirement.

Basically, retirement systems refer to the methods or processes, in which the employ... [...]]]></description>
		<content:encoded><![CDATA[It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working schedule is modified into a more relaxing pace, away from the hustle and bustle of the everyday struggle to work.

It is the day of retirement.

Basically, retirement systems refer to the methods or processes, in which the employ...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/ira' rel=tag target='_blank'> ira</a>, <a href='http://www.technorati.com/tag/individual+retirement+account' rel=tag target='_blank'> individual retirement account</a>, <a href='http://www.technorati.com/tag/sep' rel=tag target='_blank'> sep</a>, <a href='http://www.technorati.com/tag/rollover' rel=tag target='_blank'> rollover</a>]]></content:encoded>
		

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		<title>Celebrating Your Golden Years With Family</title>
		<link>http://www.tips.com.my/Article/Celebrating Your Golden Years With Family/1896</link>
		<comments>http://www.tips.com.my/Article/Celebrating Your Golden Years With Family/1896/#</comments>
		<pubDate>Sat, 06 Dec 2008 00:37:34 +0000</pubDate>
		<dc:creator>Tips.com.my</dc:creator>
		<guid isPermaLink="false">http://www.tips.com.my/Article/Celebrating Your Golden Years With Family/1896</guid>
		<description><![CDATA[Once you reach your late forties and early fifties, you are bound to think of retirement. You want retire at an age when you are not too old to enjoy your golden years. 

This is the point in life when you look back at your achievements. If you feel satisfied with what you have accomplished so far, you will get to focus more on what it is that you exactly want to do with the rest of your life - which you did not have time for when you were young and busy raising kids and mo... [...]]]></description>
		<content:encoded><![CDATA[Once you reach your late forties and early fifties, you are bound to think of retirement. You want retire at an age when you are not too old to enjoy your golden years. 

This is the point in life when you look back at your achievements. If you feel satisfied with what you have accomplished so far, you will get to focus more on what it is that you exactly want to do with the rest of your life - which you did not have time for when you were young and busy raising kids and mo...<br><br>Technorati Tags: <a href='http://www.technorati.com/tag/retirement' rel=tag target='_blank'>retirement</a>, <a href='http://www.technorati.com/tag/golden+years' rel=tag target='_blank'> golden years</a>]]></content:encoded>
		

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