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	<title>Sercer - Find news the fast way - server &#187; Ask the Mole</title>
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		<title>10 tips to protecting your nest egg</title>
		<link>http://www.sercer.com/financial-news/10-tips-to-protecting-your-nest-egg-32123268/</link>
		<comments>http://www.sercer.com/financial-news/10-tips-to-protecting-your-nest-egg-32123268/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 11:11:28 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

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		<description><![CDATA[In the last two years, I've been writing columns as the Mole for CNNMoney.com and Money Magazine, with the goal of helping the consumer make informed decisions, and of making financial planning a profession rather than a sales job.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Gambling with your retirement stash</title>
		<link>http://www.sercer.com/financial-news/gambling-with-your-retirement-stash-32123269/</link>
		<comments>http://www.sercer.com/financial-news/gambling-with-your-retirement-stash-32123269/#comments</comments>
		<pubDate>Wed, 21 Jan 2009 13:55:28 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2009/01/20/pf/Mole_rebalancing.moneymag/index.htm</guid>
		<description><![CDATA[Question: I'm 57 and planning to retire at 66. Before this year's stock market turmoil my 401(k) was balanced at 70% stock mutual funds and 30% bond funds. Now it's 59% stock and 41% bonds. To take advantage of very low stock prices I was thinking abou...]]></description>
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		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>A guarantee, without high fees</title>
		<link>http://www.sercer.com/financial-news/a-guarantee-without-high-fees-32123270/</link>
		<comments>http://www.sercer.com/financial-news/a-guarantee-without-high-fees-32123270/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 17:15:23 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2009/01/13/pf/a_guarantee_without_high_fees_mole.moneymag/index.htm</guid>
		<description><![CDATA[On a recent frosty morning, as I was reading the mail and cradling a mug of hot coffee, I noticed a beautiful envelope on my desk. It was an invitation to an all-expenses-paid course at an exclusive warm-weather resort. While there, I could learn how t...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/a-guarantee-without-high-fees-32123270/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
		</item>
		<item>
		<title>The best (and cheapest) funds around</title>
		<link>http://www.sercer.com/financial-news/the-best-and-cheapest-funds-around-32123271/</link>
		<comments>http://www.sercer.com/financial-news/the-best-and-cheapest-funds-around-32123271/#comments</comments>
		<pubDate>Wed, 07 Jan 2009 10:55:47 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2009/01/06/pf/funds/etf/ETFs_index_funds.moneymag/index.htm</guid>
		<description><![CDATA[Question: In your article in the January issue of Money, you recommend buying total market index ETFs. But I don't find being able to trade ETFs like stocks throughout the day to be an advantage for me. For example, if I buy the Vanguard Total Stock Ma...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/the-best-and-cheapest-funds-around-32123271/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
		</item>
		<item>
		<title>How to make money in ETFs</title>
		<link>http://www.sercer.com/financial-news/how-to-make-money-in-etfs-32123272/</link>
		<comments>http://www.sercer.com/financial-news/how-to-make-money-in-etfs-32123272/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 17:36:19 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/12/31/pf/funds/etf/Mole_ETFs.moneymag/index.htm</guid>
		<description><![CDATA[At a financial-planner conference earlier this year, I spotted a session called "ETFs: Are Your Clients Investing Without You?" I had to go. We advisers are well aware of the advantages of exchange-traded funds: broad diversification, low costs and a s...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/how-to-make-money-in-etfs-32123272/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
		</item>
		<item>
		<title>Inside a financial planner&#8217;s portfolio</title>
		<link>http://www.sercer.com/financial-news/inside-a-financial-planners-portfolio-32123273/</link>
		<comments>http://www.sercer.com/financial-news/inside-a-financial-planners-portfolio-32123273/#comments</comments>
		<pubDate>Fri, 26 Dec 2008 12:37:13 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/12/23/pf/Mole_portfolio.moneymag/index.htm</guid>
		<description><![CDATA[Question: Financial advisers always know our net worth and investments, but we never know what they are invested in. What are the Mole's investments?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/inside-a-financial-planners-portfolio-32123273/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
		</item>
		<item>
		<title>Beware of free financial advice</title>
		<link>http://www.sercer.com/financial-news/beware-of-free-financial-advice-32123274/</link>
		<comments>http://www.sercer.com/financial-news/beware-of-free-financial-advice-32123274/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 11:13:21 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/11/18/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: My wife and I are looking into getting some financial advice. Our bank says they offer free services through their financial adviser. This worries my wife because she thinks that the adviser will push the bank's agenda. Is it safer to go with...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/beware-of-free-financial-advice-32123274/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
		</item>
		<item>
		<title>Why you should be buying stocks now</title>
		<link>http://www.sercer.com/financial-news/why-you-should-be-buying-stocks-now-32123330/</link>
		<comments>http://www.sercer.com/financial-news/why-you-should-be-buying-stocks-now-32123330/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 14:27:59 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/12/03/retirement/money_mole.moneymag/index.htm</guid>
		<description><![CDATA[When new clients come to me, I ask them a few questions about risk. One is "What would you do if the value of your stocks fell by 50%?"]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/why-you-should-be-buying-stocks-now-32123330/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Why advisers are publicity hounds</title>
		<link>http://www.sercer.com/financial-news/why-advisers-are-publicity-hounds-32123331/</link>
		<comments>http://www.sercer.com/financial-news/why-advisers-are-publicity-hounds-32123331/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 11:05:25 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/11/25/pf/Mole_advisers.moneymag/index.htm</guid>
		<description><![CDATA[I get a lot of e-mails assuming that I'm undercover out of fear that my peers will attack me. Fear has nothing to do with it. If I were afraid of scathing e-mails from other advisers, I wouldn't publish an e-mail address on this column. I can live with...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/why-advisers-are-publicity-hounds-32123331/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Strategies for the shaky investor</title>
		<link>http://www.sercer.com/financial-news/strategies-for-the-shaky-investor-32123332/</link>
		<comments>http://www.sercer.com/financial-news/strategies-for-the-shaky-investor-32123332/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 18:22:01 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/11/12/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I hear the market is a good bargain right now, but I'm still very nervous about losing my money. Is there a way to get some market returns without taking so much risk?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/strategies-for-the-shaky-investor-32123332/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Day one with a financial planner</title>
		<link>http://www.sercer.com/financial-news/day-one-with-a-financial-planner-32123333/</link>
		<comments>http://www.sercer.com/financial-news/day-one-with-a-financial-planner-32123333/#comments</comments>
		<pubDate>Thu, 06 Nov 2008 15:07:28 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/10/24/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I'm meeting with a financial planner for the first time. Can I expect to get some specific advice, or just a sales pitch? Will I need to sign an agreement?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/day-one-with-a-financial-planner-32123333/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Is now the time to bail out?</title>
		<link>http://www.sercer.com/financial-news/is-now-the-time-to-bail-out-32123334/</link>
		<comments>http://www.sercer.com/financial-news/is-now-the-time-to-bail-out-32123334/#comments</comments>
		<pubDate>Wed, 29 Oct 2008 09:47:21 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/10/28/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I know market timing is a loser's game. However, I do think there is abundant evidence that the next 12-18 months are going to be very difficult for equities. Do you see any merit in trimming some equity holdings, parking the proceeds in shor...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/is-now-the-time-to-bail-out-32123334/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Planner won&#8217;t return calls?</title>
		<link>http://www.sercer.com/financial-news/planner-wont-return-calls-32123335/</link>
		<comments>http://www.sercer.com/financial-news/planner-wont-return-calls-32123335/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 10:14:02 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/10/21/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I'm a 57-year-old dummy that had a nice nest egg of $805,000. My brokerage firm assigned a certified financial planner (CFP) to me, who made some costly mistakes, but I stayed with him. This CFP left and the replacement adviser told me the CF...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/planner-wont-return-calls-32123335/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Your portfolio: Poised for a comeback</title>
		<link>http://www.sercer.com/financial-news/your-portfolio-poised-for-a-comeback-32123336/</link>
		<comments>http://www.sercer.com/financial-news/your-portfolio-poised-for-a-comeback-32123336/#comments</comments>
		<pubDate>Wed, 15 Oct 2008 08:31:33 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/10/14/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: Stocks always come back, until they don't! How long will an investor who invested in the NASDAQ at 5000 wait to break even, including inflation? 50 years? Or longer? Do you really think investing in stocks is a good idea?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/your-portfolio-poised-for-a-comeback-32123336/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Hop off the &#8216;beat the market&#8217; bandwagon</title>
		<link>http://www.sercer.com/financial-news/hop-off-the-beat-the-market-bandwagon-32123337/</link>
		<comments>http://www.sercer.com/financial-news/hop-off-the-beat-the-market-bandwagon-32123337/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 10:20:42 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/10/08/pf/funds/ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I have had several money managers over the years from Merrill Lynch, to UBS to currently Wachovia. I am paying a fee of about 1% on average but am sure there are other fees that I don't know about. I'm not sure this is working. What should I do?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/hop-off-the-beat-the-market-bandwagon-32123337/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Taking financial advice from radio gurus</title>
		<link>http://www.sercer.com/financial-news/taking-financial-advice-from-radio-gurus-32123338/</link>
		<comments>http://www.sercer.com/financial-news/taking-financial-advice-from-radio-gurus-32123338/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 08:37:23 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/09/12/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I listen to some weekend radio shows and they confuse me. I'm not sure if I should take their advice or turn my money over to them. What are your thoughts?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/taking-financial-advice-from-radio-gurus-32123338/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<title>Worried about losing it all</title>
		<link>http://www.sercer.com/financial-news/worried-about-losing-it-all-32123339/</link>
		<comments>http://www.sercer.com/financial-news/worried-about-losing-it-all-32123339/#comments</comments>
		<pubDate>Wed, 24 Sep 2008 10:09:26 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/09/23/pf/ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: I know I am not the only one worried, but I have my money in stock mutual funds. I was wondering if I should take them and move what I have left to a regular CD getting a small percent. I am very nervous as I am sure the world is but I feel I...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/worried-about-losing-it-all-32123339/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<item>
		<title>Mutual funds vs. private money managers</title>
		<link>http://www.sercer.com/financial-news/mutual-funds-vs-private-money-managers-32123340/</link>
		<comments>http://www.sercer.com/financial-news/mutual-funds-vs-private-money-managers-32123340/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 08:42:38 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/09/12/pf/funds/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: What is your opinion of brokerage-managed accounts? Are these separately-managed accounts a good way to have your money managed?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/mutual-funds-vs-private-money-managers-32123340/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<title>How pensions play into your portfolio</title>
		<link>http://www.sercer.com/financial-news/how-pensions-play-into-your-portfolio-32123341/</link>
		<comments>http://www.sercer.com/financial-news/how-pensions-play-into-your-portfolio-32123341/#comments</comments>
		<pubDate>Wed, 10 Sep 2008 19:17:06 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/09/10/retirement/ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: How do I view Social Security and my pension as a part of my overall financial picture?]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/how-pensions-play-into-your-portfolio-32123341/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<title>Making money in a bearish decade</title>
		<link>http://www.sercer.com/financial-news/making-money-in-a-bearish-decade-32123342/</link>
		<comments>http://www.sercer.com/financial-news/making-money-in-a-bearish-decade-32123342/#comments</comments>
		<pubDate>Wed, 10 Sep 2008 11:52:58 +0000</pubDate>
		<dc:creator>Ask the Mole</dc:creator>
				<category><![CDATA[Ask the Mole]]></category>
		<category><![CDATA[Financial News]]></category>

		<guid isPermaLink="false">http://money.cnn.com/2008/08/21/pf/Ask_the_mole.moneymag/index.htm</guid>
		<description><![CDATA[Question: Over the past ten years, the stock market has gone nowhere and a buy-and-hold strategy only makes advisers rich. There is plenty of money to be made by buying the dips and selling the rips. Why don't you advise others to do this?]]></description>
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