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    <title>Ric Edelman's Townhall.com Column</title>
    <description>Acclaimed Financial Advisor
Barron's has five times (2004-2008) ranked Ric Edelman among America's 100 top financial advisors. In 2004, Ric was inducted into the Financial Advisor Hall of Fame, ranked the #1 advisor in the nation by Research Magazine for his focus on the individual client and ranked #42 on Registered Rep magazine's list of "America's Top 50 Advisors." Inc. magazine three times named the firm the fastest-growing privately-held financial planning firm in the country. Ric received an honorary doctorate from Rowan University in 1999, and in 2007 was inducted into the Rowan University Public Relations Student Society of America Hall of Fame.

Best-Selling Author
Ric is a #1 New York Times best-selling author. His five books on personal finance include  Ordinary People, Extraordinary Wealth;  The New Rules of Money; Discover the Wealth Within You; What You Need to Do Now; and the personal finance classic, The Truth About Money. His sixth book, The Lies About Money, was published in the fall of 2007 by Simon &amp; Schuster. Ric's books have been translated into several languages, and have educated countless people worldwide.

National Radio Show Host and Educator
The Ric Edelman Show, broadcast on the ABC Radio Networks, can be heard on radio stations throughout the country. The live call-in advice program has been on the air for more than 15 years and earned Ric the A.I.R. Award for Best Talk Show Host in Washington D.C. (1993). His newspaper column, The Truth About Money, is nationally syndicated by United Media. He also publishes a monthly newsletter, has built one of the most comprehensive and free online educational resources about personal finance at RicEdelman.com, and is the author of video and audio educational systems that help people achieve their financial goals.

Philanthropic Activities
Ric and Jean have donated $1 million to Rowan University, which named its new planetarium in their honor. They also funded the Edelman Nursing Career Development Center at Inova Health System Foundation.

Ric served six years on the Board of the United Way of the National Capital Area and in 2007 completed his two-year term as Chairman of the Board. He also serves on the boards of The Boys &amp; Girls Clubs of Greater Washington, D.C., and its foundation. Ric also is a full partner of the American Savings Education Council and the Jump$tart Coalition for Personal Financial Literacy. He is a former board member of Junior Achievement of the National Capital Area and served for three years on the Grants Committee of the Foundation for Financial Planning, where he remains a major donor. They also actively support HEROES Inc., Make-a-Wish Foundation, The Leukemia &amp; Lymphoma Society, and many other charities.</description>
    <link>http://www.townhall.com/columnists/RicEdelman</link>
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    <copyright>Copyright (c) 2012 Townhall.com, A Salem Communications Web.  ALL RIGHTS RESERVED</copyright>
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    <pubDate>Thu, 07 May 2009 04:01:00 GMT</pubDate>
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      <title>A Final Word to THose Nearing Retirement</title>
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It has been several years since I first starting bringing you The Truth About Money. During that time, I've provided financial advice during booms and busts, and answered your questions while steering you away from...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/05/07/a_final_word_to_those_nearing_retirement</link>
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      <pubDate>Thu, 07 May 2009 04:01:00 GMT</pubDate>
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      <title>Less to Fear With Well-Diversified Portfolio</title>
      <description>Q: I've lost $800,000 of my formerly $2.6 million portfolio and it's killing me. I'm really uncomfortable having my money, everything I have ever earned, in a place where I really don't know what is happening or why. My...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/04/18/less_to_fear_with_well-diversified_portfolio</link>
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      <pubDate>Sat, 18 Apr 2009 04:01:00 GMT</pubDate>
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      <title>Market Above the Filth of Fraud</title>
      <description>Body text: It's not every day that somebody defrauds investors of $50 billion in the fashion of Bernie Madoff.

But he's not the only person to rip off investors. From small-scale con artists to billionaire...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/04/15/market_above_the_filth_of_fraud</link>
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      <pubDate>Wed, 15 Apr 2009 04:01:00 GMT</pubDate>
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      <title>When Bonds Are Broken</title>
      <description>Body text: It's a sad fact that some consumers do stupid things when they are scared. They sell low and buy high. They abandon the stock market altogether and park all their cash in savings accounts. Or they load up on...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/04/07/when_bonds_are_broken</link>
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      <pubDate>Tue, 07 Apr 2009 04:01:00 GMT</pubDate>
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      <title>Change Your 529 Plan Strategy</title>
      <description>Body text: It's not just stocks, bonds and real estate that declined sharply in value in 2008. Section 529 College Saving Plans lost substantial amounts of money, too. And parents are worried.

Written in a frantic...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/04/02/change_your_529_plan_strategy</link>
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      <pubDate>Thu, 02 Apr 2009 04:01:00 GMT</pubDate>
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      <title> What's Worse Than Losing Money on Mutual Funds?</title>
      <description>Body text: It's hard to imagine, but many investors of actively managed retail mutual funds are about to find out that the pain they've suffered from 2008's massive market losses is most likely to get worse.

The...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/03/26/whats_worse_than_losing_money_on_mutual_funds</link>
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      <pubDate>Thu, 26 Mar 2009 04:01:00 GMT</pubDate>
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      <title>'Beating' the Market Not A Sound Financial Strategy</title>
      <description>Body text: When people seek investments, they tend to have one goal in mind: They want to beat the market.

Don't agree? Then tell me why you compare the performance of your investments with Standard &amp; Poor's 500...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/03/19/beating_the_market_not_a_sound_financial_strategy</link>
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      <pubDate>Thu, 19 Mar 2009 04:01:00 GMT</pubDate>
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      <title>Investor Sold Short by Adviser's Bad Advice</title>
      <description>Body text:Q: My coworker recently sold all his equity position in his portfolio because his adviser told him to get reverse ETFs. He said his adviser stated, "While others are crying because the markets are going down,...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/03/12/investor_sold_short_by_advisers_bad_advice</link>
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      <pubDate>Thu, 12 Mar 2009 04:01:00 GMT</pubDate>
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      <title>Stock Relationship A One-Sided 'Love' Affair</title>
      <description>Q: My husband and I retired from an oil company approximately nine years ago. About half of our portfolio is in that stock, and our financial adviser told us several years ago we should diversify more. Now that Obama...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/03/04/stock_relationship_a_one-sided_love_affair</link>
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      <pubDate>Wed, 04 Mar 2009 05:01:00 GMT</pubDate>
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      <title>Do Your Adult Kids Need Your Money?</title>
      <description>Body text: I recently received a call from a client (we'll call her Shelly) who was concerned that she wasn't saving enough to be able to retire comfortably. Her personal expenses are modest and she earns a high salary,...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/02/26/do_your_adult_kids_need_your_money</link>
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      <pubDate>Thu, 26 Feb 2009 05:01:00 GMT</pubDate>
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      <title>Following Your Broker to a New Firm?</title>
      <description>With Bear Stearns, Lehman Brothers and other firms gone, and Merrill Lynch acquired by Bank of America (BoA), there's a mad dash under way by many of the remaining big-name firms to scoop up the brokers who used to work...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/02/19/following_your_broker_to_a_new_firm</link>
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      <pubDate>Thu, 19 Feb 2009 05:01:00 GMT</pubDate>
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      <title>Don't Become a Fraud Victim</title>
      <description>Bernie Madoff made headlines for bilking $50 billion from investors. The only thing as shocking as the dollar amount stolen is the list of famous people who got swindled: Steven Spielberg, Larry King, Kevin Bacon, Sen....</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/02/12/dont_become_a_fraud_victim</link>
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      <pubDate>Thu, 12 Feb 2009 05:01:00 GMT</pubDate>
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      <title>More Proof Market Timing Doesn't Work</title>
      <description>Investors have proven once again that market timing doesn't work and that the stock market is impossible to predict.

The first week of December was a wild ride for the Dow Jones Industrial Average. The Dow dropped...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/02/05/more_proof_market_timing_doesnt_work</link>
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      <pubDate>Thu, 05 Feb 2009 05:01:00 GMT</pubDate>
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      <title>Don't File Your Taxes Before March</title>
      <description>Many taxpayers rush to file their tax returns as quickly as possible. Ordinarily, that's fine. But if you own mutual funds, don't file your tax return before March 1!

Here's why: Everyone involved in the financial...</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/01/29/dont_file_your_taxes_before_march</link>
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      <pubDate>Thu, 29 Jan 2009 05:01:00 GMT</pubDate>
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      <title>Do You Need An Accountant?</title>
      <description>You turn to qualified medical, legal and (of course!) financial planning professionals. Make sure you seek the services of a tax professional as well.
Attempting to prepare your tax return by yourself is a bad idea....</description>
      <link>http://www.townhall.com/columnists/RicEdelman/2009/01/22/do_you_need_an_accountant</link>
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      <pubDate>Thu, 22 Jan 2009 05:01:00 GMT</pubDate>
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