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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>
	<lastBuildDate>Wed, 16 May 2012 16:07:15 +0000</lastBuildDate>
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		<title>Do You Own a Whole Life Policy</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/Zxo0bD66CA8/</link>
		<comments>http://www.paulferraresi.com/2012/05/16/do-you-own-a-whole-life-policy/#comments</comments>
		<pubDate>Wed, 16 May 2012 16:07:15 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1058</guid>
		
			<content:encoded><![CDATA[About every 3-5 years you should re-evaluate your whole life policies. There are superb alternatives that have come on the market over the past 10-15 years that overshadow whole life policies.  None the less check on a few things since you bought the whole life policy.
1) Has your asset value grown to a point [...]<br/>
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		<item>
		<title>Social Security – The Good and The Bad</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/HSRB2QkArgU/</link>
		<comments>http://www.paulferraresi.com/2012/05/09/social-security-the-good-and-the-bad/#comments</comments>
		<pubDate>Wed, 09 May 2012 16:23:41 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Cash Flow Management]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Goal Setting]]></category>
		<category><![CDATA[Government Benefits]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1054</guid>
		
			<content:encoded><![CDATA[THE GOOD
You can find out what you may receive in Social Security benefits by using their benefit calculator. It is very easy to use and takes less than a minute. This may help you determine if you want to take early or delayed retirement. Keep in mind this estimator is using “blue sky-rose colored glasses” [...]<br/>
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		<item>
		<title>Dow 15,000</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/tnC-AN0D62E/</link>
		<comments>http://www.paulferraresi.com/2012/05/02/dow-15000/#comments</comments>
		<pubDate>Wed, 02 May 2012 16:56:29 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[401K]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment Policy]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Missed Fortune]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[Other]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[The Perception of Money]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1051</guid>
		
			<content:encoded><![CDATA[The history of the stock market shows over 141 years of equity performance, and that there is a straight-forward cyclical pattern that emerges: Periods of worse-than-average returns followed by periods of better-than-average returns and vice versa. The most recent five years have definitely been in the worse-than-average period. Plus, since 2000 the market has been [...]<br/>
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		<title>Tax Strategies for 2012</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/aJn4Y5zgs0M/</link>
		<comments>http://www.paulferraresi.com/2012/04/25/tax-strategies-for-2012/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 17:28:38 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[401K]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Missed Fortune]]></category>
		<category><![CDATA[Other]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[The Perception of Money]]></category>
		<category><![CDATA[Wills and Trusts]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1043</guid>
		
			<content:encoded><![CDATA[TAX STRATEGIES FOR 2012
It is evident that the Bush tax cut extension will fall by the wayside on December 31, 2012. Aside from all tax rates going up at least 5%, there are deduction changes that will also raise your taxes (For those that itemize, the threshold for medical deductions will increase from 7.5% of [...]<br/>
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		<title>STORM BREWING</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/_n7IcLN7TAs/</link>
		<comments>http://www.paulferraresi.com/2012/03/21/storm-brewing/#comments</comments>
		<pubDate>Wed, 21 Mar 2012 14:37:18 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Goal Setting]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Government Benefits]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1040</guid>
		
			<content:encoded><![CDATA[If you knew a major storm was coming your way, what would you do to protect yourself and your family? First, you would make a list of where you are and what you need to do. Then, analyze the situation, write out a plan, and execute the plan before the storm hit.
The same holds true [...]<br/>
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Click on the title above to read the rest of the article]]></content:encoded>
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		<title>COUPLE’S RETIREMENT PUZZLE</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/zIj3FV38NEE/</link>
		<comments>http://www.paulferraresi.com/2012/03/14/couple%e2%80%99s-retirement-puzzle/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 15:09:16 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Goal Setting]]></category>
		<category><![CDATA[Long Term Healthcare Planning]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[The Perception of Money]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1036</guid>
		
			<content:encoded><![CDATA[How well are couples communicating with each other about retirement? This questionnaire, which appears in Roberta Taylor and Dori Mintzer’s book, “The Couple’s Retirement Puzzle,” helps couples determine what they need to be talking about.
Are you and your partner on the same page when it comes to retirement, or are you reading different books? This [...]<br/>
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		<title>401K FEES</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/2TxZjIyhzB8/</link>
		<comments>http://www.paulferraresi.com/2012/03/06/401k-fees/#comments</comments>
		<pubDate>Tue, 06 Mar 2012 18:10:27 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[401K]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment Policy]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Missed Fortune]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1033</guid>
		
			<content:encoded><![CDATA[The fees associated with 401k investments have been hidden as have the entities claiming those fees. New Labor Department regulations will break down and make transparent those fees for the employers and workers. Additionally, there is a requirement that benchmark performance be provided so you can judge how your investment is doing relative to an [...]<br/>
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Click on the title above to read the rest of the article]]></content:encoded>
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		<title>2012 TAX CHANGES</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/6bbbz3ouhj8/</link>
		<comments>http://www.paulferraresi.com/2012/02/22/2012-tax-changes/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 16:48:32 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1028</guid>
		
			<content:encoded><![CDATA[Here are a few changes to your taxes in 2012:
Annual Gift Tax Exclusion &#8211; Remains at $13,000
Lifetime Exemption for Gift and Estates &#8211; Increases to $5,120,000
    (This exemption is scheduled to drop on 1/1/13 to $1mm)
35% Bracket Starts at (for joint returns) &#8211; $388,350
Those in 15% Bracket &#8211; Pay $0 tax on [...]<br/>
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		<title>A BETTER DAY</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/qaDXo031shs/</link>
		<comments>http://www.paulferraresi.com/2012/02/15/a-better-day/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 15:51:47 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1021</guid>
		
			<content:encoded><![CDATA[Here is an excerpt from an article written by Gary Smith in Investment Advisor magazine, December 2011:
Imagine you’re given the choice of two different times to be a stock market investor. Let’s assume that the S&#038;P 500 represents the stock market investment in this example.
On the day of your first choice, which we’ll call Option [...]<br/>
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		<title>IMPROVE YOUR FINANCIAL FUTURE</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/JKbybWD7pR8/</link>
		<comments>http://www.paulferraresi.com/2012/02/08/improve-your-financial-future/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 15:16:08 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Emergency Funds]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Goal Setting]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1017</guid>
		
			<content:encoded><![CDATA[Here are a few simple strategies to build your wealth:
• SPEND LESS THAN YOU EARN. You can’t make your money grow if you spend it all.
• LIST YOUR FINANCIAL PRIORITIES. Put your retirement at the top of the list.
• ESTABLISH AN EMERGENCY FUND. Low-risk, accessible cash will lessen the temptation to dip into retirement savings [...]<br/>
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