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    <title>Carrie Schwab Pomerantz's Townhall.com Column</title>
    <description> As chief strategist/consumer education for Charles Schwab &amp; Co. Inc., Schwab Pomerantz is a leading advocate for individual investors. She speaks and writes extensively about personal finance issues and is a driving force in the movement to improve financial literacy in America. As president of the Charles Schwab Foundation, she also oversees the company's philanthropic strategy and resources.

With her father, company founder, chairman and CEO Charles R. Schwab, Schwab Pomerantz co-authored "It Pays to Talk: How to Have the Essential Conversations With Your Family About Money and Investing," which Publishers Weekly called "a well-rounded primer that provides one-stop shopping for the many phases of financial understanding and planning."

Schwab Pomerantz is a sought-after speaker whose public appearances have included appearances on "The Today Show," CNBC and NPR. In 2001, Working Woman magazine recognized her as one of four "Market Movers" in America who are "rewriting the rules of finance," and she was also recognized as one of the "25 power Elite" in the financial services industry by Investment News. For four consecutive years, The San Francisco Business Times has named her one of the San Francisco Bay Area's 100 Most Influential Women in Business.

A graduate of the University of California, Berkeley, with a bachelor's degree in Political Science, Schwab Pomerantz later earned a master's degree in business administration from George Washington University. She holds NASD Series 7, 63 and 8 registrations. </description>
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    <copyright>Copyright (c) 2008 Townhall.com, A Salem Communications Web.  ALL RIGHTS RESERVED</copyright>
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    <pubDate>Thu, 02 Oct 2008 04:01:00 GMT</pubDate>
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      <title>Back to "School" Part I: A Review of Some Investing Fundamentals</title>
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	For me, September always evokes the pleasures (and some pains) of going back to school. I thought I'd start this academic year by doing a little educating of my own: investing fundamentals.
	Part I will cover the...</description>
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      <pubDate>Thu, 02 Oct 2008 04:01:00 GMT</pubDate>
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      <title>Helping 20-Somethings When They Return to the Nest</title>
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Can you recall when "home" stopped referring to where your parents live and started applying to where you live? If you're like a lot of people, it didn't happen overnight. The idea of home was tied, at least in...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/07/01/helping_20-somethings_when_they_return_to_the_nest</link>
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      <pubDate>Tue, 01 Jul 2008 04:01:00 GMT</pubDate>
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      <title>When to Take Social Security: Think Before You Leap</title>
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You probably read it in the paper or heard it on the news - the first American baby boomer applied for Social Security last fall; some have said it is the start of the "silver tsunami." The baby boomer generation,...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/06/24/when_to_take_social_security_think_before_you_leap</link>
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      <pubDate>Tue, 24 Jun 2008 04:01:00 GMT</pubDate>
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      <title>Tying the Knot: When Finance and Romance Go Hand-in-Hand</title>
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It seems that I've known June is "wedding month" since I was a little girl. And, in fact, a bit of research reveals that the June wedding tradition goes  back as far as the Romans.
As I think of all the soon-to-be...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/06/17/tying_the_knot_when_finance_and_romance_go_hand-in-hand</link>
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      <pubDate>Tue, 17 Jun 2008 04:01:00 GMT</pubDate>
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      <title>Financially Savvy Gifts for Grads</title>
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Graduation is one of those truly great milestones for both kids and parents. The graduates, whether in high school or college, are moving on to exciting new life adventures. And the parents are often heaving a sigh...</description>
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      <pubDate>Tue, 10 Jun 2008 04:01:00 GMT</pubDate>
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      <title>New Baby Gifts that Fit Today and Tomorrow</title>
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Having a new baby is a time of joy and wonder. But for many new parents, it can also be a bit terrifying. There are new roles and responsibilities, a new little personality to get to know, and - let's face it - new...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/06/03/new_baby_gifts_that_fit_today_and_tomorrow</link>
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      <pubDate>Tue, 03 Jun 2008 04:01:00 GMT</pubDate>
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      <title>Get the Facts Before Choosing Reverse Mortgages</title>
      <description>
With all the news about the housing crises, loan defaults and home foreclosures, borrowers are definitely becoming aware of the pitfalls of overextending themselves. I'm continuously receiving questions about the best...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/05/26/get_the_facts_before_choosing_reverse_mortgages</link>
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      <pubDate>Mon, 26 May 2008 04:01:00 GMT</pubDate>
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      <title>How to Give to Your Grandchildren</title>
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I'm not a grandparent yet, but I've seen how my parents and in-laws have doted on my children. There is a noticeable joy in grandparenting, and it's equally obvious that many grandparents are eager to provide some...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/05/20/how_to_give_to_your_grandchildren</link>
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      <pubDate>Tue, 20 May 2008 04:01:00 GMT</pubDate>
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      <title>The Joys of Summer Jobs</title>
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When spring is in the air, summer can't be far behind, and you're probably already making plans for your kids. A break from the rigors of the academic year is important, and camps and travel are good ways for your...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/05/13/the_joys_of_summer_jobs</link>
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      <pubDate>Tue, 13 May 2008 04:01:00 GMT</pubDate>
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      <title>The Time is Now: Start Preparing for Retirement</title>
      <description>

To my mind, retirement planning is the most difficult and important financial challenge most Americans will ever face. And while I was eager to read the results of the 18th annual Retirement Confidence Survey,...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/05/06/the_time_is_now_start_preparing_for_retirement</link>
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      <pubDate>Tue, 06 May 2008 04:01:00 GMT</pubDate>
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      <title>Improving Our Financial IQ</title>
      <description>

A recent financial literacy survey aimed at high school and college students included the following sample questions. Just for the fun of it, see if you can answer them correctly.
1. If your credit card is stolen...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/04/29/improving_our_financial_iq</link>
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      <pubDate>Tue, 29 Apr 2008 04:01:00 GMT</pubDate>
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      <title>Teach Kids About Building Wealth</title>
      <description>

As a parent, there's no end to the important lessons you want to instill in your kids. You try to teach them about life and give them the skills they'll eventually need to be independent adults. It's easy when...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/04/22/teach_kids_about_building_wealth</link>
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      <pubDate>Tue, 22 Apr 2008 04:01:00 GMT</pubDate>
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      <title>Saving is Good, Saving Smarter is Better</title>
      <description>

It's April and that means we're in the midst of National Financial Literacy Month. I decided to focus on one of the most basic components of personal finance: saving. Our parents urged us to save and you probably...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/04/15/saving_is_good,_saving_smarter_is_better</link>
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      <pubDate>Tue, 15 Apr 2008 04:01:00 GMT</pubDate>
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      <title>An Allowance: The First Lesson in Money Management</title>
      <description>

Can you remember how you felt the first time you had your own money to spend? I recall feeling pretty proud and quite independent. As a mother, that's the way I want my own children to feel. My husband and I have...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/04/08/an_allowance_the_first_lesson_in_money_management</link>
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      <pubDate>Tue, 08 Apr 2008 04:01:00 GMT</pubDate>
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      <title>Kids Want to Learn: Do You Want to Teach Them?</title>
      <description>

It takes a lot for children to become successful adults. Some expertise they get from others, like the academic and intellectual skills they learn in school. Many lessons come from parents: good values, for example,...</description>
      <link>http://www.townhall.com/columnists/CarrieSchwabPomerantz/2008/04/01/kids_want_to_learn_do_you_want_to_teach_them</link>
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      <pubDate>Tue, 01 Apr 2008 04:01:00 GMT</pubDate>
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