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	<title>Paul Ferraresi</title>
	
	<link>http://www.paulferraresi.com</link>
	<description>Paul Ferraresi Blog is a compilation of topics including, but not limited to, finance, personal wealth building, motivation, political education, business tips, and, most importantly, personal growth and development.</description>
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		<title>Looking to the Fall Elections</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/7_h5pkoH7VY/</link>
		<comments>http://www.paulferraresi.com/2010/07/28/looking-to-the-fall-elections/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 15:43:13 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=563</guid>
		
			<content:encoded><![CDATA[In a typical off-year election, the opposition party to the presiding President gains seats.  All the polls show a potential power swing for the Republicans in both houses of congress.  This will provide gridlock….which means nothing gets done….and is music to the ears of stock market investors.  This music is because no [...]<br/>
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		<item>
		<title>Mutual Fund Basics – Part Two</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/2a2OFGNlw_4/</link>
		<comments>http://www.paulferraresi.com/2010/07/21/mutual-fund-basics-part-two/#comments</comments>
		<pubDate>Wed, 21 Jul 2010 16:56:24 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=559</guid>
		
			<content:encoded><![CDATA[•	INCOME (EQUITY) FUNDS
Seek a high level of current income for shareholders by investing primarily in equity securities of companies with good dividend paying records.  The objective is to provide an income that gradually increases each year.
•	INCOME (MIXED) FUNDS
Seek a high level of current income for shareholders by investing in income producing securities, including both [...]<br/>
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		<item>
		<title>Mutual Fund Basics</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/CYEdi5ISMog/</link>
		<comments>http://www.paulferraresi.com/2010/07/14/mutual-fund-basics/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 15:22:37 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=554</guid>
		
			<content:encoded><![CDATA[Mutual means a sharing of interests.  A mutual fund is a practical and efficient way for individuals with similar goals to pool money in an effort to achieve those goals.
In a mutual fund, the combined dollars of many shareholders are invested in a select group of securities so each individual’s share of this portfolio [...]<br/>
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		<item>
		<title>Halfway to Goals</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/6ypGL7ct1vU/</link>
		<comments>http://www.paulferraresi.com/2010/07/07/halfway-to-goals/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 15:43:44 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Goal Setting]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=549</guid>
		
			<content:encoded><![CDATA[We have just passed the halfway mark for this year.  Those “Lazy, hazy, crazy days of summer” seem to take over our entire lives.  The kids are out of school and vacation time is on people’s minds.
Just six months ago you made out a list of your goals for this year.  You [...]<br/>
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		<title>Life Insurance Needs</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/b3mHEeW8Rbw/</link>
		<comments>http://www.paulferraresi.com/2010/06/30/life-insurance-needs/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 16:25:36 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=546</guid>
		
			<content:encoded><![CDATA[The potential earning power of a wage earner is one of the greatest assets of a family.  The main objective of life insurance is to protect the insured’s family and creditors against financial loss due to the death of the insured.
With two income families, the analysis is just as significant for each spouse, even [...]<br/>
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		<title>Tax-Advantaged Investments</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/ca2tuPcuKno/</link>
		<comments>http://www.paulferraresi.com/2010/06/23/tax-advantaged-investments/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 14:56:18 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=543</guid>
		
			<content:encoded><![CDATA[The only money you will ever have to spend, lose or invest is what the government allows you to keep.  Many taxpayers do not understand that they do have a choice as to whether they will pay a small or large amount of income tax.  Why pay the IRS investable funds you are [...]<br/>
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		<title>Plan Ahead for New Taxes</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/uMQdPpEkvjI/</link>
		<comments>http://www.paulferraresi.com/2010/06/16/plan-ahead-for-new-taxes/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 14:15:40 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=540</guid>
		
			<content:encoded><![CDATA[When the Alternative Minimum Tax (AMT) was instituted, it was designed to make sure the top American income earners paid their “fair share” of taxes.  The tax rate was a flat 28% with very few deductions allowed.  Over the years, Congress has made very few attempts to adjust the level at which Americans [...]<br/>
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		<title>Cash Flow Management – Part 2 of 2</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/vStGkGhqWaE/</link>
		<comments>http://www.paulferraresi.com/2010/06/09/cash-flow-management-part-2-of-2/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 15:02:10 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Cash Flow Management]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=537</guid>
		
			<content:encoded><![CDATA[THE IMPORTANCE OF GOALS
A cash flow plan will function best if it reflects your goals, whether long-term or short-term.  The purchase of a pleasure boat in three years or the decision to remodel your basement next winter should influence your cash flow plans.
The goals that you have already set will help you shape your [...]<br/>
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		<title>Cash Flow Management – Part 1</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/4xccnz_d4pI/</link>
		<comments>http://www.paulferraresi.com/2010/06/02/cash-flow-management-part-1/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 16:06:28 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Cash Flow Management]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=534</guid>
		
			<content:encoded><![CDATA[What is Cash Flow Management?   Every successful business relies on a financial system to carefully control income and expenses.  A business must have a system to know its present financial status, and more important, to plan for its future financial moves.  A corporation cannot place a $40,000 inventory order unless its [...]<br/>
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		<title>Married People – Need for Wills</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/2otjyswIzmw/</link>
		<comments>http://www.paulferraresi.com/2010/05/26/married-people-need-for-wills/#comments</comments>
		<pubDate>Wed, 26 May 2010 16:43:39 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Wills and Trusts]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=530</guid>
		
			<content:encoded><![CDATA[Many married people have never prepared a will, although they recognize that this is something that should be done.  Perhaps the rather morbid title, “LAST WILL AND TESTAMENT,” has caused them to delay taking action.
If you do not prepare a will, the state will draw one for you, and chances are very good that [...]<br/>
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