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	<title>The Hard Times Guide to Retirement Security</title>
	
	<link>http://hardtimesretirement.com</link>
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		<title>Join me for a free webinar on retirement planning in the new economy</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/tLUpQiE1vDU/</link>
		<comments>http://hardtimesretirement.com/2013/04/18/join-me-for-a-free-webinar-on-retirement-planning-in-the-new-economy/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 13:22:35 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=476</guid>
		<description><![CDATA[I&#8217;ll be doing a free 30-minute webinar on planning for retirement in the new economy on May 16th for National Seminars, the online training company. The webinar will feature key findings from The Hard Times Guide to Retirement Security, and my ongoing work as a columnist for Reuters, Morningstar and WealthManagement.com.
I recently spoke with Lori McAlister [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>I&#8217;ll be doing a free 30-minute webinar on planning for retirement in the new economy on May 16th for <a href="http://www.nationalseminarstraining.com/">National Seminars</a>, the online training company. The webinar will feature key findings from The Hard Times Guide to Retirement Security, and my ongoing work as a columnist for <a style="font-size: 13px; line-height: 19px;" href="http://blogs.reuters.com/mark-miller/"><span style="text-decoration: underline;">Reuters</span></a><span style="font-size: 13px; line-height: 19px;">, </span><a style="font-size: 13px; line-height: 19px;" href="http://www.morningstar.com/articles/author/1611-mark-miller.aspx?t1=1301757322&amp;t1=1304780470"><span style="text-decoration: underline;">Morningstar</span></a><span style="font-size: 13px; line-height: 19px;"> and </span><span style="font-size: 13px; line-height: 19px; text-decoration: underline;"><a style="font-size: 13px; line-height: 19px;" href="http://wealthmanagement.com/author/mark-miller">WealthManagement.com</a>.</span></p>
<p><span style="font-size: 13px; line-height: 19px;">I recently spoke with Lori McAlister of National Seminar about my work and The Hard Times Guide.</span></p>
<p><iframe width="400" height="225" src="http://www.youtube.com/embed/LSHV-0eBi_Q" frameborder="0" allowfullscreen></iframe></p>
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		<item>
		<title>Hard Times Guide makes list of top books for money and careers</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/-okCZV_3qyo/</link>
		<comments>http://hardtimesretirement.com/2012/10/23/hard-times-guide-makes-list-of-top-books-for-money-and-careers/#comments</comments>
		<pubDate>Tue, 23 Oct 2012 17:19:09 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=471</guid>
		<description><![CDATA[Great company indeed! The Hard Times Guide to Retirement Security was named this week to Chris Farrell&#8217;s list of the top seven books for money and careers at NextAvenue.org. Other authors on the list include Peter L. Bernstein, Burton G. Malkiel and Marc Freedman.
Chris is economics editor for American Public Media&#8217;s Marketplace Money, radio program, [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Great company indeed! The Hard Times Guide to Retirement Security was named this week to Chris Farrell&#8217;s list of the <a href="http://www.nextavenue.org/article/2012-10/7-best-books-your-money-and-career">top seven books for money and careers</a> at NextAvenue.org. Other authors on the list include Peter L. Bernstein, Burton G. Malkiel and Marc Freedman.</p>
<p><a href="http://www.nextavenue.org/expert/chris-farrell">Chris</a> is economics editor for American Public Media&#8217;s Marketplace Money, radio program, and author  of three books, including The New Frugality: How to Consume Less, Save More and Live Better. About the Hard Times Guide, Chris wrote:</p>
<blockquote>
<div id="_mcePaste">I&#8217;m a fan of syndicated columnist Miller’s roll-up-the-sleeves approach to retirement planning. His book had breadth. It covers topics ranging from investing for retirement to understanding Social Security to the benefits of lifelong learning.</div>
<div>About a third of the Hard Times Guide deals with advice on working during the traditional retirement years. Since retirement could last 20 years or more, Miller writes, “working for even a few additional years can pay a surprisingly large bonus.”</div>
</blockquote>
<p>Gotta admit, it&#8217;s a bit of a mutual admiration society; read what I had to say about <a href="http://retirementrevised.com/money/chris-farrell-sees-a-new-frugality-emerging-for-retirement">The New Frugality here</a>.</p>
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		<item>
		<title>As Medicare drug premiums soar, it’s time to shop around</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/p0v_zFFt40U/</link>
		<comments>http://hardtimesretirement.com/2012/10/19/as-medicare-drug-premiums-soar-it%e2%80%99s-time-to-shop-around/#comments</comments>
		<pubDate>Fri, 19 Oct 2012 15:17:05 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=462</guid>
		<description><![CDATA[Premiums for many popular Medicare prescription drug plans will soar next year – but seniors don’t have to take the rate hikes lying down.
The annual plan enrollment period for Medicare Part D starts October 15 and runs through December 7, so seniors have time to shop around. Seven of the top 10 plans will have [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Premiums for many popular Medicare prescription drug plans will soar next year – but seniors don’t have to take the rate hikes lying down.</p>
<p>The annual plan enrollment period for Medicare Part D starts October 15 and runs through December 7, so seniors have time to shop around. Seven of the top 10 plans will have double-digit percentage increases next year. More than 80 percent of Part D beneficiaries are in these plans; that means 5.9 million will pay double-digit increases next year if they don’t switch. That’s a whopping 29 percent of all Part D enrollees.</p>
<p>The double-digit premium hikes are surprising because prescription drug costs have fallen sharply due to widespread expansion of generic medications – not to mention that many seniors had been expecting their costs to go down since healthcare reform closed the so-called donut hole gap in coverage.</p>
<p><a href="http://www.reuters.com/article/2012/10/02/column-miller-medicare-idUSL1E8L1P6C20121002"> Learn more at Reuters Money</a>. More on how to shop for a Part D prescription drug plan at <a href="http://retirementrevised.com/retirement-benefits/how-to-shop-for-a-medicare-part-d-plan">RetirementRevised.com</a>.</p>
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		<item>
		<title>Subscribe to the free RetirementRevised.com newsletter</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/aI13EHLG08A/</link>
		<comments>http://hardtimesretirement.com/2012/10/19/subscribe-to-the-free-retirementrevised-com-newsletter/#comments</comments>
		<pubDate>Fri, 19 Oct 2012 15:15:02 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=460</guid>
		<description><![CDATA[I publish a free e-newsletter over at RetirementRevised.com, which delivers links to all my regular columns for Reuters, Morningstar and WealthManagement.com to your in box. The newsletter generally is published every other week, or as inspiration strikes.
Click here to learn more, sign up for free or view a sample edition.
]]></description>
			<content:encoded><![CDATA[<p></p><p>I publish a free e-newsletter over at RetirementRevised.com, which delivers links to all my regular columns for Reuters, Morningstar and WealthManagement.com to your in box. The newsletter generally is published every other week, or as inspiration strikes.</p>
<p>Click here to <a href="http://retirementrevised.com/get-the-retirementrevised-enewsletter">learn more, sign up for free or view a sample edition</a>.</p>
<img src="http://feeds.feedburner.com/~r/http/feedshardtimesguidecom/~4/aI13EHLG08A" height="1" width="1"/>]]></content:encoded>
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		<item>
		<title>Why are more people filing for Social Security disability?</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/Az2g901crtY/</link>
		<comments>http://hardtimesretirement.com/2012/05/20/why-are-more-people-filing-for-social-security-disability/#comments</comments>
		<pubDate>Sun, 20 May 2012 15:56:24 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=457</guid>
		<description><![CDATA[Applications for Social Security Disability Insurance (SSDI) have increased in recent years. What does this increase imply for the program overall, and particularly for its funding over the long term?
I moderated a panel discussion recently on the future of SSDI, sponsored by the National Academy of Social Insurance. The forum, held at the Cannon House [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Applications for Social Security Disability Insurance (SSDI) have increased in recent years. What does this increase imply for the program overall, and particularly for its funding over the long term?</p>
<p>I moderated a panel discussion recently on the future of SSDI, sponsored by the National Academy of Social Insurance. The forum, held at the Cannon House Office Building in Washington, D.C. , was carried live by CSPAN;  <a href="http://retirementrevised.com/money/why-are-more-people-filing-for-social-security-disability">learn more here</a>.</p>
<img src="http://feeds.feedburner.com/~r/http/feedshardtimesguidecom/~4/Az2g901crtY" height="1" width="1"/>]]></content:encoded>
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		<item>
		<title>Join me for a free hard times retirement webinar on October 25th</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/paIj-XPCsrA/</link>
		<comments>http://hardtimesretirement.com/2011/10/13/join-me-for-a-free-hard-times-retirement-webinar-on-october-25th/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 14:36:39 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=447</guid>
		<description><![CDATA[Join me for an online discussion of the key findings of The Hard Times Guide to Retirement Security on October 25th.
This webinar is sponsored by the International Mature Marketing Network, which graciously is waiving its usual registration fee and is opening the event to all comers at no charge. Click here for registration info; or, [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Join me for an online discussion of the key findings of The Hard Times Guide to Retirement Security on October 25th.</p>
<p>This webinar is sponsored by the International Mature Marketing Network, which graciously is waiving its usual registration fee and is opening the event to all comers at no charge. <a href="https://www2.gotomeeting.com/register/210637626">Click here for registration info</a>; or, visit this page to <a href="http://www.immn.org/">learn more about IMMN</a>.</p>
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		<title>At AARP Magazine: How to protect Social Security</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/azSCwuxAPwo/</link>
		<comments>http://hardtimesretirement.com/2011/08/29/at-aarp-magazine-how-to-protect-social-security/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 00:44:20 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=445</guid>
		<description><![CDATA[My first article for AARP Magazine is in the September-October issue.
Titled “It’s Time to Protect Social Security,” the story is a primer on how Social Security works, why there’s a long-term imbalance and how that can be fixed. If you don’t subscribe, read the online version here.
]]></description>
			<content:encoded><![CDATA[<p></p><p>My first article for AARP Magazine is in the September-October issue.</p>
<p>Titled “It’s Time to Protect Social Security,” the story is a primer on how Social Security works, why there’s a long-term imbalance and how that can be fixed. If you don’t subscribe, <a href="http://www.aarp.org/work/social-security/info-08-2011/protect-social-security.html">read the online version here</a>.</p>
<img src="http://feeds.feedburner.com/~r/http/feedshardtimesguidecom/~4/azSCwuxAPwo" height="1" width="1"/>]]></content:encoded>
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		<title />
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/XPR_TNhDpBA/</link>
		<comments>http://hardtimesretirement.com/2011/06/20/440/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 18:30:30 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Media & Reviews]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=440</guid>
		<description><![CDATA[How have the rules of retirement changed over the past generation? I talked about the challenges to retirement security facing successive generations of retirees today with Emily Brandon of U.S. News &#038; World report:
Individuals must now take more personal responsibility for their retirement finances, even as life expectancies increase and personal savings rates remain low. [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>How have the rules of retirement changed over the past generation? I talked about the challenges to retirement security facing successive generations of retirees today with <a href="http://money.usnews.com/money/retirement/articles/2011/06/20/8-new-retirement-rules">Emily Brandon of U.S. News &#038; World report</a>:</p>
<blockquote><p>Individuals must now take more personal responsibility for their retirement finances, even as life expectancies increase and personal savings rates remain low. &#8220;Each succeeding generation is looking at a less secure retirement, with today&#8217;s seniors being the best off,&#8221; says Mark Miller, publisher of RetirementRevised.com and author of The Hard Times Guide to Retirement Security: Practical Strategies for Money, Work, and Living. &#8220;This has to do with everything from the decline of defined-benefit pensions to the diminution of Social Security and health benefits, not to mention the worst economy since the Great Depression.&#8221; Here are some key ways your retirement will be different from that of previous generations of retirees.
</p></blockquote>
<p><a href="http://money.usnews.com/money/retirement/articles/2011/06/20/8-new-retirement-rules">Read the full story here</a>.</p>
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		<title>Why cuts in Social Security would be dangerous</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/EW0VLA9y6zs/</link>
		<comments>http://hardtimesretirement.com/2011/01/25/why-cuts-in-social-security-would-be-dangerous/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 18:46:11 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Media & Reviews]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=436</guid>
		<description><![CDATA[I talked with Forbes.com blogger Kerry Hannon recently about my concerns that Social Security could become the victim of deficit reduction efforts in Washington &#8212; and why the program doesn&#8217;t belong on the chopping block.
Read the interview here.
]]></description>
			<content:encoded><![CDATA[<p></p><p>I talked with Forbes.com blogger Kerry Hannon recently about my concerns that Social Security could become the victim of deficit reduction efforts in Washington &#8212; and why the program doesn&#8217;t belong on the chopping block.</p>
<p><a href="http://blogs.forbes.com/kerryhannon/2011/01/25/why-further-reductions-in-the-value-of-social-security-is-dangerous/">Read the interview here</a>.</p>
<img src="http://feeds.feedburner.com/~r/http/feedshardtimesguidecom/~4/EW0VLA9y6zs" height="1" width="1"/>]]></content:encoded>
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		<title>Chicago Tribune Q&amp;A: Redefining retirement</title>
		<link>http://feedproxy.google.com/~r/http/feedshardtimesguidecom/~3/iAbZknDyILI/</link>
		<comments>http://hardtimesretirement.com/2010/11/15/chicago-tribune-qa-redefining-retirement/#comments</comments>
		<pubDate>Mon, 15 Nov 2010 15:16:07 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Media & Reviews]]></category>

		<guid isPermaLink="false">http://hardtimesretirement.com/?p=422</guid>
		<description><![CDATA[I spoke recently about The Hard Times Guide with journalist Jane Adler, who contributes to the Chicago Tribune on retirement and aging matters. The resulting Q&#38;A interview covers the redefinition of the concept of retirement and retirement security, the importance of working longer, longevity risk and the special retirement challenges facing women.
]]></description>
			<content:encoded><![CDATA[<p></p><p>I spoke recently about The Hard Times Guide with journalist Jane Adler, who contributes to the Chicago Tribune on retirement and aging matters. The <a href="http://www.chicagotribune.com/classified/realestate/primetime/chi-primetime-bookreview-111010,0,5213110.story?page=1">resulting Q&amp;A interview</a> covers the redefinition of the concept of retirement and retirement security, the importance of working longer, longevity risk and the special retirement challenges facing women.</p>
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