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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>Your Money Partner for Life</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/b1rHafG1xsg/</link>
		<comments>http://www.paulferraresi.com/2010/03/10/your-money-partner-for-life-2/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 20:31:09 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=471</guid>
		
			<content:encoded><![CDATA[I have worked with couples in their comprehensive financial planning for more than 37 years.  It is amazing how “money struggles” emerge and create conflict with our money partner for life.   
Men were once the main “bread winners” and many today feel they should have complete decision making authority about the couples’s [...]<br/>
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		<item>
		<title>Social Security and You</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/H1dYQRTt59Q/</link>
		<comments>http://www.paulferraresi.com/2010/03/03/social-security-and-you/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 17:44:43 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Government Benefits]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=468</guid>
		
			<content:encoded><![CDATA[Will Social Security be there for you when you need it?  Will the total amount be taxable income to you?  Presently, up to 85% of the Social Security payment is taxable to most people.
The Social Security system is a “Ponzi scheme” system.  That is, present workers have money deducted and said funds [...]<br/>
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		<item>
		<title>Today’s Spending Decisions</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/kFOXIgvPgCU/</link>
		<comments>http://www.paulferraresi.com/2010/02/24/todays-spending-decisions/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 18:12:34 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Career and Lifestyle]]></category>
		<category><![CDATA[Cash Flow Management]]></category>
		<category><![CDATA[Liquidity]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=464</guid>
		
			<content:encoded><![CDATA[How a person spends money is far more important than how he or she invests it.  It is much easier to reach retirement goals by deciding how to live, rather than how to invest.  Deciding what to do with the money we earn &#8211; how to spend it &#8211; is what brings about [...]<br/>
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		<item>
		<title>Financial Meltdown</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/c5dZw_KsCbk/</link>
		<comments>http://www.paulferraresi.com/2010/02/17/financial-meltdown/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 18:58:41 +0000</pubDate>
		<dc:creator>Andy</dc:creator>
				<category><![CDATA[Economy]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=462</guid>
		
			<content:encoded><![CDATA[The American economy barely handled the financial jolt during the 2008 and 2009  meltdown.  It appears that economic distress has been muted and is leveling off.  Unfortunately, the fiscal policies by the administration have not and will not produce any lasting economic or job growth.  The monetary policies by the Federal Reserve have been very [...]<br/>
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		<item>
		<title>Who is Responsible?</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/CSS5oLhto6k/</link>
		<comments>http://www.paulferraresi.com/2010/02/10/who-is-responsible/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 17:00:24 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment Policy]]></category>
		<category><![CDATA[Risk Management]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=432</guid>
		
			<content:encoded><![CDATA[With some of the financial scams that have taken place recently don’t you find yourself feeling a little sorry for those that were taken?  I become confused when I hear that people placed all of their savings into one investment!
Come on, no one should put all their eggs in one basket.  There have [...]<br/>
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		<title>Roth IRA Conversion</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/oDExTlSjQDc/</link>
		<comments>http://www.paulferraresi.com/2010/02/03/roth-ira-conversion/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 16:51:08 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=429</guid>
		
			<content:encoded><![CDATA[I have written many times in this blog about the special Roth conversions available in 2010.  My summary of all the long-winded blogs was that a conversion will probably cost you more in taxes than you think, and you will still have strings attached with the Roth.  There are far better alternatives for [...]<br/>
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		<item>
		<title>Personal Wealth.  Some People Have It.  Everybody Wants It.  How Do You Get It?</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/2mtcoB0pcHU/</link>
		<comments>http://www.paulferraresi.com/2010/01/27/personal-wealth-some-people-have-it-everybody-wants-it-how-do-you-get-it/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 20:55:40 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=416</guid>
		
			<content:encoded><![CDATA[Popular wisdom tells you the best way to build a nest egg is to maximize your company’s 401(k) plan. Popular wisdom also held that the sun rotated around the earth, the Titanic could not sink, and the Berlin Wall would never crumble. That’s my way of saying that I think you can construct a stronger [...]<br/>
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		<title>Long-Term Care</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/BRZvmRViCXg/</link>
		<comments>http://www.paulferraresi.com/2010/01/20/long-term-care-2/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 16:34:16 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=412</guid>
		
			<content:encoded><![CDATA[Like many aspects of life, most people close the barn door after the horse has left. The same thing takes place with Long-Term Care planning.  All statistics show that one out of two people (50 percent) will need some Long-Term care, yet most people want to buy the insurance moments before entering the assisted [...]<br/>
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		<title>A Change in Economic Priority</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/SI4zhjLIUJI/</link>
		<comments>http://www.paulferraresi.com/2010/01/13/a-change-in-economic-priority/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 17:51:40 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=407</guid>
		
			<content:encoded><![CDATA[Over the past year as the economic meltdown hit, it forced many people to change their economic priorities. Too many individuals were programmed to “spend” money in order to “buy happiness.”
Now with their income levels down because of a layoff, or due to a psychological shift in spending patterns promoted by the media … people [...]<br/>
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		<title>What Makes a Success?</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/QnVnPfBbAXk/</link>
		<comments>http://www.paulferraresi.com/2010/01/06/what-makes-a-success/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 15:31:28 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=403</guid>
		
			<content:encoded><![CDATA[Motivation books are filled with definitions of what makes up success in a person’s life.
Individuals often pick a specific dollar amount of income or funds accumulated that determines one being “successful.”
Something that hit home with me as a child on the concept of success was when a reporter interviewed a prominent restaurateur.  The reporter [...]<br/>
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