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	<title>Personal Finance &#187; Finances Retirement</title>
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	<link>http://mywebsiteworkout.com/personal-finances</link>
	<description>A blog for helping with your personal finance, debt, careers, mortgage, taxes, technology and more... Visit http://mywebsiteworkout.com/personal-finances/ for more information.</description>
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		<title>Problem With Carrying Debt Into Retirement</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/08/17/finances-retirement/problem-with-carrying-debt-into-retirement/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/08/17/finances-retirement/problem-with-carrying-debt-into-retirement/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 11:51:06 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[advisor]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Debt]]></category>
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		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17652</guid>
		<description><![CDATA[Recently a new concept has been created that it&#8217;s OK to carry debt into retirement, including home mortgage. There is a big problem with that. Your income is a lot less than when you were working full time. You must service your debt, there is no way out. If the debt is at the proportion ... <a href="http://mywebsiteworkout.com/personal-finances/2010/08/17/finances-retirement/problem-with-carrying-debt-into-retirement/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/08/17/finances-retirement/problem-with-carrying-debt-into-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tax Advantages of HSAs Save You Three Ways</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/08/16/finances-retirement/tax-advantages-of-hsas-save-you-three-ways/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/08/16/finances-retirement/tax-advantages-of-hsas-save-you-three-ways/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 06:06:26 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[guidance]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[health savings accounts]]></category>
		<category><![CDATA[hsa tax benefits]]></category>
		<category><![CDATA[hsas]]></category>
		<category><![CDATA[Saving for retirement]]></category>
		<category><![CDATA[tax benefits]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17650</guid>
		<description><![CDATA[Health Savings Accounts, HSAs, are a good long-term savings vehicle because of their significant tax benefits. When used for qualified health care expenses, HSA offer a triple tax savings &#8211; 1) contributions are tax deductible, 2) grow tax deferred, and 3) can be withdrawn Federally tax free unlike withdrawing from IRA or 401(k) accounts. If ... <a href="http://mywebsiteworkout.com/personal-finances/2010/08/16/finances-retirement/tax-advantages-of-hsas-save-you-three-ways/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Revisit Your Retirement Portfolio For 2010</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/08/03/finances-retirement/revisit-your-retirement-portfolio-for-2010/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/08/03/finances-retirement/revisit-your-retirement-portfolio-for-2010/#comments</comments>
		<pubDate>Tue, 03 Aug 2010 14:39:29 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Income Withdrawal]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[tax-smart withdrawals]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17627</guid>
		<description><![CDATA[More than half of the year is gone never to return. We already know we need to stash away some amount of money for retirement while still years away from the more active life [be active in retirement.] But what if you are already living in retirement or close to retirement. What can you do ... <a href="http://mywebsiteworkout.com/personal-finances/2010/08/03/finances-retirement/revisit-your-retirement-portfolio-for-2010/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips To Take Retirement Money As Lump Sum Or Annuity</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/06/18/finances-retirement/tips-to-take-retirement-money-as-lump-sum-or-annuity/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/06/18/finances-retirement/tips-to-take-retirement-money-as-lump-sum-or-annuity/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 10:01:24 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[distribution]]></category>
		<category><![CDATA[Lump Sum]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Monthly income]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17545</guid>
		<description><![CDATA[This is probably an age-old question but keeps resurfacing in these hard times, whether to take your retirement money in lump sum or in the form of annuity. Experts agree on one thing and that is they would tell you it depends on your specific situation. In other words, either you take the situation in ... <a href="http://mywebsiteworkout.com/personal-finances/2010/06/18/finances-retirement/tips-to-take-retirement-money-as-lump-sum-or-annuity/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Tips To Remind Boosting Up Contribution For Retirement</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/05/03/finances-retirement/tips-to-remind-boosting-up-contribution-for-retirement/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/05/03/finances-retirement/tips-to-remind-boosting-up-contribution-for-retirement/#comments</comments>
		<pubDate>Mon, 03 May 2010 12:11:14 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[Employee]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17467</guid>
		<description><![CDATA[I have followed some finance experts who tell me to boost up contribution to my retirement account. They have been saying almost the same things since I turned 55. For some, it might seem ages ago and for others, probably yesterday. I just turned 62. You decide whether the following reminder applies to you or ... <a href="http://mywebsiteworkout.com/personal-finances/2010/05/03/finances-retirement/tips-to-remind-boosting-up-contribution-for-retirement/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Is it time to retire the 401(k)?</title>
		<link>http://mywebsiteworkout.com/personal-finances/2009/10/31/finances-retirement/is-it-time-to-retire-the-401k/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2009/10/31/finances-retirement/is-it-time-to-retire-the-401k/#comments</comments>
		<pubDate>Sat, 31 Oct 2009 21:20:36 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k a bad idea]]></category>
		<category><![CDATA[403b]]></category>
		<category><![CDATA[building wealth]]></category>
		<category><![CDATA[christian financial help]]></category>
		<category><![CDATA[get rid of the 401k]]></category>
		<category><![CDATA[how to manage money]]></category>
		<category><![CDATA[investing for beginners]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[save for retirement]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=12620</guid>
		<description><![CDATA[Time magazine online has a humongous &#8211; a 5-page description of 401(k) retirement plan &#8211; article on the topic of &#8220;Why It&#8217;s Time to Retire the 401(k)&#8221; written by Stephen Gandel dated Friday, Oct. 09, 2009. The author has talked about the plan starting from its inception 30 years ago to the present time. The ... <a href="http://mywebsiteworkout.com/personal-finances/2009/10/31/finances-retirement/is-it-time-to-retire-the-401k/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You could put unused vacation days into your 401(k)</title>
		<link>http://mywebsiteworkout.com/personal-finances/2009/09/26/finances-retirement/you-could-put-unused-vacation-days-into-your-401k/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2009/09/26/finances-retirement/you-could-put-unused-vacation-days-into-your-401k/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 07:25:14 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Keogh]]></category>
		<category><![CDATA[profit-sharing plans]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=12023</guid>
		<description><![CDATA[Your vacation or left-over sick days can pay you dividend if your company allows it. It can be any profit-sharing plan for that matter. Let&#8217;s hope your company amends its benefit plans to allow it. &#8220;The techniques are available for use with all qualified plans, which include 401(k), Keogh and profit-sharing plans but not IRAs ... <a href="http://mywebsiteworkout.com/personal-finances/2009/09/26/finances-retirement/you-could-put-unused-vacation-days-into-your-401k/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ways to stretch your retirement income</title>
		<link>http://mywebsiteworkout.com/personal-finances/2009/09/10/finances-retirement/ways-to-stretch-your-retirement-income/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2009/09/10/finances-retirement/ways-to-stretch-your-retirement-income/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 13:30:38 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[Catch up on your 401(k)]]></category>
		<category><![CDATA[Delay collecting Social Security]]></category>
		<category><![CDATA[Delay retirement]]></category>
		<category><![CDATA[Do a cash flow analysis]]></category>
		<category><![CDATA[Downsize in retirement]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[Rebalance your portfolio]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Roth]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Strive for good health]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=11752</guid>
		<description><![CDATA[Many Americans could see their money dry up before retirement ends. The reason can be shortage of traditional pensions, paltry savings levels and ever-expanding life spans. There are ways to stretch your retirement income. Most financial gurus agree that you reduce spending by at least 24 percent, according to a 2008 study by Ernst &#38; ... <a href="http://mywebsiteworkout.com/personal-finances/2009/09/10/finances-retirement/ways-to-stretch-your-retirement-income/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Understand vital parts of the estate planning process</title>
		<link>http://mywebsiteworkout.com/personal-finances/2009/09/04/finances-retirement/understand-vital-parts-of-the-estate-planning-process/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2009/09/04/finances-retirement/understand-vital-parts-of-the-estate-planning-process/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 11:45:00 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[EPO]]></category>
		<category><![CDATA[Estate Plan Organizer]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[make your own decisions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=11652</guid>
		<description><![CDATA[Understanding vital parts of the estate planning process consists of compiling personal information regarding your assets, and advisers. Search for an Estate Plan Organizer (EPO) in your favorite search engine. This will help you assemble and store your personal and financial information. A typical EPO can be used to store, and later amend, key personal ... <a href="http://mywebsiteworkout.com/personal-finances/2009/09/04/finances-retirement/understand-vital-parts-of-the-estate-planning-process/">Continue Reading &#187;</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Key steps to take before and during retirement</title>
		<link>http://mywebsiteworkout.com/personal-finances/2009/08/25/finances-retirement/key-steps-to-take-before-and-during-retirement/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2009/08/25/finances-retirement/key-steps-to-take-before-and-during-retirement/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 08:52:00 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Retirement]]></category>
		<category><![CDATA[College Savings]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[fund manager interviews]]></category>
		<category><![CDATA[insight]]></category>
		<category><![CDATA[investing news]]></category>
		<category><![CDATA[investing strategies]]></category>
		<category><![CDATA[market commentary]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=11403</guid>
		<description><![CDATA[Given the state of this lousy economy, higher unemployment and the market’s recent history, you might be concerned about making your retirement savings last. There are many steps you can take &#8211; both before and during retirement &#8211; to help get your retirement savings back on track, from carefully reviewing your expectations to readjusting your ... <a href="http://mywebsiteworkout.com/personal-finances/2009/08/25/finances-retirement/key-steps-to-take-before-and-during-retirement/">Continue Reading &#187;</a>]]></description>
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