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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>Tax Changes for 2013</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/gA_GrjF3vCg/</link>
		<comments>http://www.paulferraresi.com/2013/05/02/tax-changes-for-2013/#comments</comments>
		<pubDate>Thu, 02 May 2013 12:53:18 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1533</guid>
		
			<content:encoded><![CDATA[Most people think the only tax changes for 2013 took place on the top 1%&#8230;well, that is not true. Here are some highlights of –

The American Taxpayer Relief Act of 2012

•	Raises taxes on “millionaires” – those earning above $250,000 and “billionaires” – those earning $450,000 or more.
•	Married couples with taxable income above $450,000 are bumped [...]<br/>
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		<title>Government Thinking at its Best!</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/9gnjWjgFzbg/</link>
		<comments>http://www.paulferraresi.com/2013/04/30/government-thinking-at-its-best/#comments</comments>
		<pubDate>Tue, 30 Apr 2013 15:45:05 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1530</guid>
		
			<content:encoded><![CDATA[The U.S. Government has taken your money (via taxes) and lent $859 million to sugar processors (those who transform sugar cane and beets into sugar). 
It appears that the sugar processors are going to default due to many reasons including the very low price of sugar. So, to avoid the default, the U.S. Government is [...]<br/>
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		<item>
		<title>Bloated Government Spending</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/6eT4Cvk0yfs/</link>
		<comments>http://www.paulferraresi.com/2013/04/25/bloated-government-spending/#comments</comments>
		<pubDate>Thu, 25 Apr 2013 12:17:12 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1526</guid>
		
			<content:encoded><![CDATA[If you are like most American tax payers you are fed up with the incestuous spending by our Government on useless pork barrel projects. It seems that one party wants to do mild cuts over a 10 year period to balance the budget. The other party wants to keep increasing spending with no cuts at [...]<br/>
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		<title>Raising Minimum Wage</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/isK-SaC7m-g/</link>
		<comments>http://www.paulferraresi.com/2013/04/23/raising-minimum-wage/#comments</comments>
		<pubDate>Tue, 23 Apr 2013 12:35:37 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1521</guid>
		
			<content:encoded><![CDATA[The talk in Washington has been to raise minimum wage again. The reason, they claim, is to help those in poverty (in reality many times the raise in minimum wage is a payback to unions. Most National Union starting pay is a multiple of the minimum wage.) 
The majority of Americans that work full time [...]<br/>
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Click on the title above to read the rest of the article]]></content:encoded>
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		<title>Credit Scores and Reports</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/DFqmdWYjugo/</link>
		<comments>http://www.paulferraresi.com/2013/04/18/credit-scores-and-reports/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 12:56:48 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1517</guid>
		
			<content:encoded><![CDATA[If you want to get free credit reports then a good site to go to is Annualcreditreport.com. When you get to the site there are 3 reporting agencies. As stated many times in this Blog….. Do not request all three at the same time. Instead, spread out your request of one (1) every 4 months. [...]<br/>
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Click on the title above to read the rest of the article]]></content:encoded>
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		<title>Investing in a home?</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/e5PTVuylwwE/</link>
		<comments>http://www.paulferraresi.com/2013/04/16/investing-in-a-home/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 18:47:28 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1511</guid>
		
			<content:encoded><![CDATA[Should you buy a home?
Here is a different opinion by Robert Shiller. Shiller is co founder of the famed Case – Shiller real estate index. It’s something to think about. Look at this article in conjunction with our many references to not tying up money in your home. That is, the “equity” in your home [...]<br/>
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		<title>The Great Mania</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/VMdd4EjirFI/</link>
		<comments>http://www.paulferraresi.com/2013/04/09/the-great-mania/#comments</comments>
		<pubDate>Tue, 09 Apr 2013 13:26:06 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1506</guid>
		
			<content:encoded><![CDATA[In the mid 1970’s President Jimmy Carter introduced the Community Reinvestment Act (CRA). The outcome was to force banks to lend on home mortgages for people that could not pay back the loan. The goal was home ownership for everyone. President Bill Clinton increased the requirements for banks to participate during the mid 1990s. It [...]<br/>
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		<title>Death Tax</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/2C8TboW7LFw/</link>
		<comments>http://www.paulferraresi.com/2013/04/04/death-tax/#comments</comments>
		<pubDate>Thu, 04 Apr 2013 18:00:49 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1501</guid>
		
			<content:encoded><![CDATA[Up until 12-31-2012 the gift, estate and generation skipping transfer tax (GST) exemptions were $5 million (indexed for inflation): Any amounts above this level were taxed at 35%. Effective 1-1-2013 the exemptions dropped to $1 million each. With a top tax rate of 55%. 
On 1-2-2013 Congress passed a new law which restored the $5 [...]<br/>
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		<title>Finding your money</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/3F4MV-azMd4/</link>
		<comments>http://www.paulferraresi.com/2013/04/02/finding-your-money/#comments</comments>
		<pubDate>Tue, 02 Apr 2013 17:15:24 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1498</guid>
		
			<content:encoded><![CDATA[There are billions of dollars tied up in unclaimed accounts. Most people are unaware of closed bank or store accounts that may have money of yours that is just sitting there. 
Take a few minutes and check out these sites. You may be pleasantly surprised. Once you complete the request it does take a few [...]<br/>
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		<title>Free Credit Score</title>
		<link>http://feedproxy.google.com/~r/paulferraresi/~3/Ik3riIAnIpc/</link>
		<comments>http://www.paulferraresi.com/2013/03/28/free-credit-score/#comments</comments>
		<pubDate>Thu, 28 Mar 2013 16:23:44 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Educational Funding]]></category>

		<guid isPermaLink="false">http://www.paulferraresi.com/?p=1494</guid>
		
			<content:encoded><![CDATA[Would you like to monitor you credit score without a subscription fee? Check out www.creditsesame.com. This site provides a secure and extensive review of your debt position, aggregated credit information and credit monitoring information. You will have to provide an email address and eventually your social security number. 
All the data comes from one of [...]<br/>
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