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	<title>Bay Area Planners Blog</title>
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	<link>http://www.baplan.com/blog</link>
	<description>College planner &#124; Financial Aid Consultant &#124; Investment Advisor &#124; FAFSA &#124; Scholarships Applications</description>
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		<item>
		<title>Student loans are OK up to a point</title>
		<link>http://www.baplan.com/blog/2012/04/30/student-loans-are-ok-up-to-a-point/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=student-loans-are-ok-up-to-a-point</link>
		<comments>http://www.baplan.com/blog/2012/04/30/student-loans-are-ok-up-to-a-point/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 19:55:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[big government]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[graduate]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[the borrower is a slave to the lender]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=505</guid>
		<description><![CDATA[Student loans are OK up to a point – that being the point at which they become unsupportable by the student. Obviously, graduating with no debt is preferable, but I maintain that the student taking the federal Stafford loan is a reasonable part of how to pay for college. The [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/04/30/student-loans-are-ok-up-to-a-point/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student loans take a toll on Gen Y – Can they manage their debt?</title>
		<link>http://www.baplan.com/blog/2012/04/13/student-loans-take-a-toll-on-gen-y-can-they-manage-their-debt/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=student-loans-take-a-toll-on-gen-y-can-they-manage-their-debt</link>
		<comments>http://www.baplan.com/blog/2012/04/13/student-loans-take-a-toll-on-gen-y-can-they-manage-their-debt/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 19:07:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt bomb]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[labor market]]></category>
		<category><![CDATA[loan debt can be managed]]></category>
		<category><![CDATA[monthly payments]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[us economy]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=498</guid>
		<description><![CDATA[According to recent reports, student loan debt is pushing a large number of younger Americans into bankruptcy. With too many loans and a labor market that isn’t offering many jobs, they’re falling behind on the monthly payments. More than 4 out of 5 bankruptcy attorneys report significant increases in potential [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/04/13/student-loans-take-a-toll-on-gen-y-can-they-manage-their-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Latest News on Financial Aid</title>
		<link>http://www.baplan.com/blog/2012/03/14/latest-news-on-financial-aid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=latest-news-on-financial-aid</link>
		<comments>http://www.baplan.com/blog/2012/03/14/latest-news-on-financial-aid/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 18:50:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[calgrant]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[jerry brown]]></category>
		<category><![CDATA[pell grant]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=495</guid>
		<description><![CDATA[Two quick notes, one a change in aid that happened, the other a change that didn’t. First, Congress approved a reduction in the income level needed for a zero EFC to $23,000. This means families with incomes between $23,000 and $31,000 will no longer automatically receive a Zero EFC, though [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/03/14/latest-news-on-financial-aid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>California Admissions Update</title>
		<link>http://www.baplan.com/blog/2012/03/14/california-admissions-update/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=california-admissions-update</link>
		<comments>http://www.baplan.com/blog/2012/03/14/california-admissions-update/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 18:49:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[april]]></category>
		<category><![CDATA[campuses]]></category>
		<category><![CDATA[CSU]]></category>
		<category><![CDATA[freshman]]></category>
		<category><![CDATA[SAT]]></category>
		<category><![CDATA[UC]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=493</guid>
		<description><![CDATA[Latest numbers are that sixteen of the twenty three CSU campuses are now impacted (up from eleven in 2010-11). Freshman applications to the UC system are up an incredible 19% this year. The UC’s will deliver decisions on Freshman by end March, transfer students by end April, and wait-listed students [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/03/14/california-admissions-update/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should your Senior file a tax return?</title>
		<link>http://www.baplan.com/blog/2012/02/27/should-your-senior-file-a-tax-return/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-your-senior-file-a-tax-return</link>
		<comments>http://www.baplan.com/blog/2012/02/27/should-your-senior-file-a-tax-return/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 16:53:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[adjisted gross income]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[senior]]></category>
		<category><![CDATA[tax return]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=488</guid>
		<description><![CDATA[If your high school Senior has no earned income, but has assets that generate interest, dividends, or capital gains, you may have included this income on your tax return in past years. Should you do so again this year? Until now, you have only needed to consider the tax implications; [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/02/27/should-your-senior-file-a-tax-return/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Survey of 2011 College Freshmen finds finances drive academics, college choice</title>
		<link>http://www.baplan.com/blog/2012/02/09/survey-of-2011-college-freshmen-finds-finances-drive-academics-college-choice/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=survey-of-2011-college-freshmen-finds-finances-drive-academics-college-choice</link>
		<comments>http://www.baplan.com/blog/2012/02/09/survey-of-2011-college-freshmen-finds-finances-drive-academics-college-choice/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 18:47:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[academic]]></category>
		<category><![CDATA[attend]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[freshmen]]></category>
		<category><![CDATA[high school]]></category>
		<category><![CDATA[schoolwork]]></category>
		<category><![CDATA[students]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=483</guid>
		<description><![CDATA[Excerpts from an article by Allie Gasgreen, Inside Higher Education Magazine, 1/26/2012 As students are becoming more financially strained, they’re also demonstrating a greater investment in schoolwork and less likelihood to “engage in non-academic activities that might interfere with academic gains” (read: drinking and partying). While only 39.5 percent of [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/02/09/survey-of-2011-college-freshmen-finds-finances-drive-academics-college-choice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Good Read</title>
		<link>http://www.baplan.com/blog/2012/02/01/a-good-read/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=a-good-read</link>
		<comments>http://www.baplan.com/blog/2012/02/01/a-good-read/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 22:16:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[article]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[jessica silver-greenberg]]></category>
		<category><![CDATA[money is available]]></category>
		<category><![CDATA[wall street journal]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=481</guid>
		<description><![CDATA[A recent article in the Wall Street Journal, The College Aid Shuffle by Jessica Silver-Greenberg, resulted in a number of reader comments more interesting than the article itself. The author started with numbers on the increasing expense of education and the disappointing performance of 529 plans, then quoted college planning [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/02/01/a-good-read/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time to file the FAFSA!</title>
		<link>http://www.baplan.com/blog/2012/01/02/time-to-file-the-fafsa/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=time-to-file-the-fafsa</link>
		<comments>http://www.baplan.com/blog/2012/01/02/time-to-file-the-fafsa/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 18:59:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=476</guid>
		<description><![CDATA[You are now able to file the FAFSA application to get financial aid for Seniors attending college this fall. The FAFSA (Free Application for Federal Student Aid) is the key to all financial aid – not only from the Federal government, but also the State and the colleges themselves. It’s [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2012/01/02/time-to-file-the-fafsa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Aid Reduced for Not-Quite-Low-Income Families</title>
		<link>http://www.baplan.com/blog/2011/12/20/financial-aid-reduced-for-not-quite-low-income-families/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=financial-aid-reduced-for-not-quite-low-income-families</link>
		<comments>http://www.baplan.com/blog/2011/12/20/financial-aid-reduced-for-not-quite-low-income-families/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 18:43:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[federal budget]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[integrated college planning]]></category>
		<category><![CDATA[pell grant]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=473</guid>
		<description><![CDATA[Though not yet entirely settled, the federal budget for 2012 currently preserves the maximum Pell Grant at $5,550. That’s the headline, but hidden in the fine print is the cost to families who are just above the lowest income levels. Preserving the Pell is the top priority of the Obama [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/12/20/financial-aid-reduced-for-not-quite-low-income-families/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inside Higher Ed reports</title>
		<link>http://www.baplan.com/blog/2011/12/18/inside-higher-ed-reports/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=inside-higher-ed-reports</link>
		<comments>http://www.baplan.com/blog/2011/12/18/inside-higher-ed-reports/#comments</comments>
		<pubDate>Sun, 18 Dec 2011 02:17:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[insider ed]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=470</guid>
		<description><![CDATA[Inside Higher Ed reports that December 14th the University of California at Berkeley announced a new plan for middle class California families sending their children to the university. Under the plan, those with family incomes of $80,000 to $140,000 would have to pay only 15 percent of that income to [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/12/18/inside-higher-ed-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What to do with student assets?</title>
		<link>http://www.baplan.com/blog/2011/12/10/what-to-do-with-student-assets/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-do-with-student-assets</link>
		<comments>http://www.baplan.com/blog/2011/12/10/what-to-do-with-student-assets/#comments</comments>
		<pubDate>Sat, 10 Dec 2011 03:28:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[student assets]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=467</guid>
		<description><![CDATA[When it comes to financial aid, student assets are a big no-no. They increase the federal Expected Family Contribution (EFC) by 20% of the reported asset value. Even worse, colleges that use the Institutional Methodology of calculating aid, will count them at a 25% rate. So an UTMA or UGMA [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/12/10/what-to-do-with-student-assets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Senior Year Fall Semester: What you need to do this month</title>
		<link>http://www.baplan.com/blog/2011/12/05/senior-year-fall-semester-what-you-need-to-do-this-month/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=senior-year-fall-semester-what-you-need-to-do-this-month</link>
		<comments>http://www.baplan.com/blog/2011/12/05/senior-year-fall-semester-what-you-need-to-do-this-month/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 19:05:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[december]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[fafsa.ed.gov]]></category>
		<category><![CDATA[financial aid]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=465</guid>
		<description><![CDATA[December Start collecting your family&#8217;s financial records, which you&#8217;ll need to complete the FAFSA and other financial aid forms in early January. Remind your parents to save their year-end payroll stubs that show earnings for the year. (Ref. Step 4 of &#8217;7 Steps to College&#8217;) Apply for a federal PIN [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/12/05/senior-year-fall-semester-what-you-need-to-do-this-month/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Junior Year Fall Semester: planning steps to consider now.</title>
		<link>http://www.baplan.com/blog/2011/11/10/junior-year-fall-semester-planning-steps-to-consider-now/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=junior-year-fall-semester-planning-steps-to-consider-now</link>
		<comments>http://www.baplan.com/blog/2011/11/10/junior-year-fall-semester-planning-steps-to-consider-now/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 16:48:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home]]></category>
		<category><![CDATA[act]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[counselor]]></category>
		<category><![CDATA[junior year]]></category>
		<category><![CDATA[psat]]></category>
		<category><![CDATA[SAT]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=462</guid>
		<description><![CDATA[Junior Year Fall Semester Planning Steps to consider NOW: November/December Maintain good grades. Review your PSAT results with your counselor to identify your strengths and areas that need improvement. Determine how to improve. Then make a study plan and stick to it! Obtain registration materials and test dates for the [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/11/10/junior-year-fall-semester-planning-steps-to-consider-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Senior Year Fall Semester: here is what you need to do this month.</title>
		<link>http://www.baplan.com/blog/2011/11/10/senior-year-fall-semester-here-is-what-you-need-to-do-this-month/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=senior-year-fall-semester-here-is-what-you-need-to-do-this-month</link>
		<comments>http://www.baplan.com/blog/2011/11/10/senior-year-fall-semester-here-is-what-you-need-to-do-this-month/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 16:46:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college admissions]]></category>
		<category><![CDATA[november]]></category>
		<category><![CDATA[SAT]]></category>
		<category><![CDATA[senior year]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=460</guid>
		<description><![CDATA[Senior Year Fall Semester Planning Steps to consider NOW: November Send in Early Decision applications, if applicable. Submit your college admissions applications before the deadline set by the college. Ask your teachers, counselors, employers, friends and family for letters of recommendation for your college admissions or scholarship applications. Take any [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/11/10/senior-year-fall-semester-here-is-what-you-need-to-do-this-month/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Update on Net Price Calculators &#8211; Clarity or Confusion?</title>
		<link>http://www.baplan.com/blog/2011/11/07/update-on-net-price-calculators-clarity-or-confusion/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=update-on-net-price-calculators-clarity-or-confusion</link>
		<comments>http://www.baplan.com/blog/2011/11/07/update-on-net-price-calculators-clarity-or-confusion/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 19:01:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[inaccurate]]></category>
		<category><![CDATA[merit aid]]></category>
		<category><![CDATA[net price calculators]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=455</guid>
		<description><![CDATA[We looked at Net Price Calculators last month (here) and found they might be so inaccurate as to be useless. Have I changed my opinion since then? In a word: No. Brief recap: the lack of uniformity in the information needed from the family will make real comparison between colleges [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/11/07/update-on-net-price-calculators-clarity-or-confusion/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Net Price Calculators Are Coming – Beware!</title>
		<link>http://www.baplan.com/blog/2011/10/22/net-price-calculators-are-coming-beware/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=net-price-calculators-are-coming-beware</link>
		<comments>http://www.baplan.com/blog/2011/10/22/net-price-calculators-are-coming-beware/#comments</comments>
		<pubDate>Sat, 22 Oct 2011 00:19:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[net]]></category>
		<category><![CDATA[npc]]></category>
		<category><![CDATA[price]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=447</guid>
		<description><![CDATA[The Higher Education Opportunities Act of 2008 requires colleges to have a &#8216;Net Price Calculator&#8217; on their websites by the end of October 2011, just in time for seniors refining their college lists for 2012. Will these help? Or will they be just another tool used by the colleges to [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/10/22/net-price-calculators-are-coming-beware/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Forthcoming Reductions In Financial Aid</title>
		<link>http://www.baplan.com/blog/2011/10/19/forthcoming-reductions-in-financial-aid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=forthcoming-reductions-in-financial-aid</link>
		<comments>http://www.baplan.com/blog/2011/10/19/forthcoming-reductions-in-financial-aid/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:53:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[pell grant]]></category>
		<category><![CDATA[reductions]]></category>
		<category><![CDATA[seog]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=443</guid>
		<description><![CDATA[You may have been wondering how financial aid programs will be affected by the national angst over budgets and cost cutting. As you can imagine, some of the ideas being pushed are not good news for those most dependent on need-based financial aid. House Republicans recently released a proposed budget [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/10/19/forthcoming-reductions-in-financial-aid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Planning Steps to consider for October 2012</title>
		<link>http://www.baplan.com/blog/2011/10/17/planning-steps-to-consider-for-october-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=planning-steps-to-consider-for-october-2012</link>
		<comments>http://www.baplan.com/blog/2011/10/17/planning-steps-to-consider-for-october-2012/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 22:36:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[2011]]></category>
		<category><![CDATA[counselor]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[october]]></category>
		<category><![CDATA[planning steps]]></category>
		<category><![CDATA[scholarship]]></category>
		<category><![CDATA[school]]></category>
		<category><![CDATA[senior year]]></category>

		<guid isPermaLink="false">http://www.baplan.com/blog/?p=440</guid>
		<description><![CDATA[Senior Year Fall Semester Planning Steps to consider NOW: October Talk to your school counselor about applying for scholarships. Ask about scholarships offered by local community service organizations and businesses. Also, check out scholarships on the web and in your local library&#8217;s directories. (Ref. Step 2 of &#8217;7 Steps to [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/10/17/planning-steps-to-consider-for-october-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Undocumented students can now receive state financial aid</title>
		<link>http://www.baplan.com/blog/2011/10/11/undocumented-students-can-now-receive-state-financial-aid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=undocumented-students-can-now-receive-state-financial-aid</link>
		<comments>http://www.baplan.com/blog/2011/10/11/undocumented-students-can-now-receive-state-financial-aid/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 01:07:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[alien]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[development]]></category>
		<category><![CDATA[dream]]></category>
		<category><![CDATA[dream act]]></category>
		<category><![CDATA[education for alien minors]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[illegal]]></category>
		<category><![CDATA[reliefe]]></category>
		<category><![CDATA[undocumented]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=323</guid>
		<description><![CDATA[Governor Brown signed an extension of the California Dream Act into law on Saturday (10/8/11). Previously, state help for undocumented students was limited to receiving the in-state tuition rate at California public institutions and being able to apply for privately funded institutional grants. The new act adds the opportunity for [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/10/11/undocumented-students-can-now-receive-state-financial-aid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Steps to College</title>
		<link>http://www.baplan.com/blog/2011/08/15/the-seven-steps-to-college/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-seven-steps-to-college</link>
		<comments>http://www.baplan.com/blog/2011/08/15/the-seven-steps-to-college/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 22:00:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[7 steps for college]]></category>
		<category><![CDATA[afford]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[applications]]></category>
		<category><![CDATA[better schools]]></category>
		<category><![CDATA[college admission]]></category>
		<category><![CDATA[college list]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[financial aid awards]]></category>
		<category><![CDATA[financial filter]]></category>
		<category><![CDATA[financially]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[merit aid]]></category>
		<category><![CDATA[organized]]></category>
		<category><![CDATA[paying for college]]></category>
		<category><![CDATA[private]]></category>
		<category><![CDATA[profile]]></category>
		<category><![CDATA[repayment]]></category>
		<category><![CDATA[scholarships]]></category>
		<category><![CDATA[strategy]]></category>
		<category><![CDATA[student]]></category>
		<category><![CDATA[student debt]]></category>
		<category><![CDATA[tax benefits]]></category>
		<category><![CDATA[timeline]]></category>
		<category><![CDATA[win a scholarship]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=235</guid>
		<description><![CDATA[In this series of short videos, financial planner David Beck explains his &#8217;7 Steps To College&#8217; process for getting the best education for the money. Step 1: Set Your Strategy This foundation session provides a good understanding of the basics and an estimation of your eligibility for financial aid. The [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/15/the-seven-steps-to-college/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Not yet retired? Here&#8217;s what you need to know&#8230;</title>
		<link>http://www.baplan.com/blog/2011/08/13/not-yet-retired-heres-what-you-need-to-know/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=not-yet-retired-heres-what-you-need-to-know</link>
		<comments>http://www.baplan.com/blog/2011/08/13/not-yet-retired-heres-what-you-need-to-know/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:44:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[brokers]]></category>
		<category><![CDATA[disbility]]></category>
		<category><![CDATA[employer]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[markets]]></category>
		<category><![CDATA[maximize]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pension plan]]></category>
		<category><![CDATA[realtors]]></category>
		<category><![CDATA[resources]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[rich]]></category>
		<category><![CDATA[risk free]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[share]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[wall st]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=143</guid>
		<description><![CDATA[This is an overview of the issues prior to retirement, when you are accumulating the financial resources that you will tap once you retire. During this phase, you want to maximize the money that will be available to you in retirement and doing this means saving and investing. It means [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/not-yet-retired-heres-what-you-need-to-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing in a bear market</title>
		<link>http://www.baplan.com/blog/2011/08/13/investing-in-a-bear-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=investing-in-a-bear-market</link>
		<comments>http://www.baplan.com/blog/2011/08/13/investing-in-a-bear-market/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:18:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[declining]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[historical]]></category>
		<category><![CDATA[ibbotson associates]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[math]]></category>
		<category><![CDATA[overshoot]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[price]]></category>
		<category><![CDATA[retained earnings]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[returns]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[us market]]></category>
		<category><![CDATA[volatile]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=101</guid>
		<description><![CDATA[I try to stay away from using technical terms and numbers in these articles, but stay with me on this one. Investing is about some things rising while others are falling, and trying to understand what the net result will be. Spot which things I identify at rising and which [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/investing-in-a-bear-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Yield Curve is God</title>
		<link>http://www.baplan.com/blog/2011/08/13/the-yield-curve-is-god/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-yield-curve-is-god</link>
		<comments>http://www.baplan.com/blog/2011/08/13/the-yield-curve-is-god/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:16:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[annual return]]></category>
		<category><![CDATA[arbitrage]]></category>
		<category><![CDATA[associated risk]]></category>
		<category><![CDATA[coefficient variation]]></category>
		<category><![CDATA[financial planning association]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[investiment]]></category>
		<category><![CDATA[jeanett garrety]]></category>
		<category><![CDATA[l securities]]></category>
		<category><![CDATA[luncheon]]></category>
		<category><![CDATA[presentation]]></category>
		<category><![CDATA[price differential]]></category>
		<category><![CDATA[private bank]]></category>
		<category><![CDATA[risk free]]></category>
		<category><![CDATA[standardized measure]]></category>
		<category><![CDATA[stock]]></category>
		<category><![CDATA[us treasury]]></category>
		<category><![CDATA[wall street]]></category>
		<category><![CDATA[wells fargo]]></category>
		<category><![CDATA[yeld curve]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=99</guid>
		<description><![CDATA[I&#8217;ll never forget that phrase, uttered at a Financial Planning Association luncheon presentation by Jeanett Garretty of Wells Fargo Private Bank. She was reminding us that risk-free interest rates are defined by the Yield Curve &#8211; the interest rates for US Treasury securites of different durations. Any investment with a [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/the-yield-curve-is-god/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Say &#8216;Goodbye&#8217; to the &#8216;Eighth Wonder of the World&#8217;</title>
		<link>http://www.baplan.com/blog/2011/08/13/say-goodbye-to-the-eighth-wonder-of-the-world/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=say-goodbye-to-the-eighth-wonder-of-the-world</link>
		<comments>http://www.baplan.com/blog/2011/08/13/say-goodbye-to-the-eighth-wonder-of-the-world/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:15:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[advisers]]></category>
		<category><![CDATA[airlines]]></category>
		<category><![CDATA[albert einstein]]></category>
		<category><![CDATA[bottom line]]></category>
		<category><![CDATA[carbojn credits]]></category>
		<category><![CDATA[compound interest]]></category>
		<category><![CDATA[compound interest stops working]]></category>
		<category><![CDATA[decreasing]]></category>
		<category><![CDATA[difficulty]]></category>
		<category><![CDATA[eight wonder of the world]]></category>
		<category><![CDATA[increasing your wealth]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[million dollar]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[purchasing power]]></category>
		<category><![CDATA[reduce fees]]></category>
		<category><![CDATA[reduce the tax rate]]></category>
		<category><![CDATA[retirees]]></category>
		<category><![CDATA[retirement financing]]></category>
		<category><![CDATA[right investment]]></category>
		<category><![CDATA[successive periods]]></category>
		<category><![CDATA[take more risk]]></category>
		<category><![CDATA[travelers]]></category>
		<category><![CDATA[very wealthy]]></category>
		<category><![CDATA[withdrawing]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=97</guid>
		<description><![CDATA[Retirees are great travelers, wanting to see as much as possible before airline carbon credits get too expensive. One thing they most likely won&#8217;t be seeing in retirement is the &#8216;Eight Wonder of the World&#8217;. Mark my words, this is one of the most important articles I will ever write [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/say-goodbye-to-the-eighth-wonder-of-the-world/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Retire your Debt</title>
		<link>http://www.baplan.com/blog/2011/08/13/how-to-retire-your-debt/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-retire-your-debt</link>
		<comments>http://www.baplan.com/blog/2011/08/13/how-to-retire-your-debt/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:13:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[at least]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[balance sheet]]></category>
		<category><![CDATA[balances]]></category>
		<category><![CDATA[consolidating]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[fixed rate mortgage]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[lower monthly payments]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[plus]]></category>
		<category><![CDATA[reduction]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[retire]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[sizable nest egg]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[tax deduction]]></category>
		<category><![CDATA[tax torpedo]]></category>
		<category><![CDATA[term of loan]]></category>
		<category><![CDATA[total payments]]></category>
		<category><![CDATA[uncle sam]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=95</guid>
		<description><![CDATA[As part of your retirement planning, you should review the state of your family balance sheet. It’s probably time to get serious about the debt you have incurred over the years. If you have a mix of different types of debt, maybe a mortgage, student loans, auto loans, credit card [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/how-to-retire-your-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The 4 Reasons you don&#8217;t save</title>
		<link>http://www.baplan.com/blog/2011/08/13/the-4-reasons-you-dont-save/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-4-reasons-you-dont-save</link>
		<comments>http://www.baplan.com/blog/2011/08/13/the-4-reasons-you-dont-save/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 20:11:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[building on wealth]]></category>
		<category><![CDATA[calculated]]></category>
		<category><![CDATA[consumption habits]]></category>
		<category><![CDATA[control]]></category>
		<category><![CDATA[experience]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[gross domestic]]></category>
		<category><![CDATA[individual needs]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[lack]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[meet our goals]]></category>
		<category><![CDATA[negative]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[procrastination]]></category>
		<category><![CDATA[product]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[rude awakening]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[us residents]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=93</guid>
		<description><![CDATA[We often hear that the savings rate in the US is either negative, or very very low &#8211; around a half a percent. We may also have read that the Chinese save over 10% of their income. What is going on? The addition to savings from income is not the [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/the-4-reasons-you-dont-save/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying for College &#8211; How to Close the Gap</title>
		<link>http://www.baplan.com/blog/2011/08/13/paying-for-college-how-to-close-the-gap/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=paying-for-college-how-to-close-the-gap</link>
		<comments>http://www.baplan.com/blog/2011/08/13/paying-for-college-how-to-close-the-gap/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:24:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[accepted]]></category>
		<category><![CDATA[aid package]]></category>
		<category><![CDATA[award]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cost of college]]></category>
		<category><![CDATA[coverdells]]></category>
		<category><![CDATA[current market]]></category>
		<category><![CDATA[deposit]]></category>
		<category><![CDATA[earning from work]]></category>
		<category><![CDATA[enrolled]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[focus group]]></category>
		<category><![CDATA[graduation]]></category>
		<category><![CDATA[grandparents]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[loans are available]]></category>
		<category><![CDATA[meeting]]></category>
		<category><![CDATA[paying for college]]></category>
		<category><![CDATA[responsibility]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[sat preparation]]></category>
		<category><![CDATA[scholarship money]]></category>
		<category><![CDATA[stafford loans]]></category>
		<category><![CDATA[student]]></category>
		<category><![CDATA[student contribution]]></category>
		<category><![CDATA[student debt]]></category>
		<category><![CDATA[summer courses]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=89</guid>
		<description><![CDATA[Here comes the difficult part. Your student was accepted and has enrolled. The deposit wasn&#8217;t an issue, but you know what is coming. Your comparison of the aid package with the cost of attendance revealed a large gap. What can be done to close this gap? Every family&#8217;s case is [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/paying-for-college-how-to-close-the-gap/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HELPING THROUGH LEADERSHIP</title>
		<link>http://www.baplan.com/blog/2011/08/13/helping-through-leadership/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=helping-through-leadership</link>
		<comments>http://www.baplan.com/blog/2011/08/13/helping-through-leadership/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:23:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[accumulation]]></category>
		<category><![CDATA[constructive action]]></category>
		<category><![CDATA[creditor protection]]></category>
		<category><![CDATA[distribution]]></category>
		<category><![CDATA[education opportunities]]></category>
		<category><![CDATA[enhancement]]></category>
		<category><![CDATA[family scholarship]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[financial help]]></category>
		<category><![CDATA[gift tax]]></category>
		<category><![CDATA[grandchild]]></category>
		<category><![CDATA[grandparents]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[incentive]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[larger sum]]></category>
		<category><![CDATA[leadership]]></category>
		<category><![CDATA[match the savings]]></category>
		<category><![CDATA[matching plan]]></category>
		<category><![CDATA[monetary contribution]]></category>
		<category><![CDATA[multiple plans]]></category>
		<category><![CDATA[pizza money plan]]></category>
		<category><![CDATA[postcard]]></category>
		<category><![CDATA[results]]></category>
		<category><![CDATA[savings vehicle]]></category>
		<category><![CDATA[self-addressed]]></category>
		<category><![CDATA[tax-free]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=87</guid>
		<description><![CDATA[As grandparents, sometimes the best help can be through leadership. Naturally, financial help is appreciated, but helping parents get started can be even more important. Let&#8217;s look at how some grandparents have helped at different levels of monetary contribution. The Pizza Money Plan Here&#8217;s a creative way to help with [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/helping-through-leadership/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Select a College that still has Money for Merit Aid</title>
		<link>http://www.baplan.com/blog/2011/08/13/select-a-college-that-still-has-money-for-merit-aid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=select-a-college-that-still-has-money-for-merit-aid</link>
		<comments>http://www.baplan.com/blog/2011/08/13/select-a-college-that-still-has-money-for-merit-aid/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:22:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[admissions]]></category>
		<category><![CDATA[aid applications]]></category>
		<category><![CDATA[alumni]]></category>
		<category><![CDATA[business decisions]]></category>
		<category><![CDATA[clemson university]]></category>
		<category><![CDATA[colleges]]></category>
		<category><![CDATA[cornell university]]></category>
		<category><![CDATA[cut education]]></category>
		<category><![CDATA[dependent students]]></category>
		<category><![CDATA[diligent research]]></category>
		<category><![CDATA[drain the funds]]></category>
		<category><![CDATA[economic downturn]]></category>
		<category><![CDATA[economy is down]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[fill the seats]]></category>
		<category><![CDATA[financial haircut]]></category>
		<category><![CDATA[financial times]]></category>
		<category><![CDATA[furloughing professors]]></category>
		<category><![CDATA[good programs]]></category>
		<category><![CDATA[governator]]></category>
		<category><![CDATA[grades]]></category>
		<category><![CDATA[great education]]></category>
		<category><![CDATA[institutional grant aid]]></category>
		<category><![CDATA[less generous]]></category>
		<category><![CDATA[merit aid]]></category>
		<category><![CDATA[needier students]]></category>
		<category><![CDATA[private colleges]]></category>
		<category><![CDATA[raising tuition]]></category>
		<category><![CDATA[reasonable cost]]></category>
		<category><![CDATA[schwarzenegger]]></category>
		<category><![CDATA[suggestions]]></category>
		<category><![CDATA[support]]></category>
		<category><![CDATA[tax benefits]]></category>
		<category><![CDATA[test scores]]></category>
		<category><![CDATA[tuition fees]]></category>
		<category><![CDATA[value of their investment]]></category>
		<category><![CDATA[wealthier students]]></category>
		<category><![CDATA[worsening economic conditions]]></category>
		<category><![CDATA[yield factor]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=85</guid>
		<description><![CDATA[After a good run, the endowments of some well-known colleges have taken a hit in this economic downturn. As reported in the Financial Times, Cornell University has introduced cost cutting measures and plans to raise tuition fees after a fall in the value of their endowment Clemson University is furloughing [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/select-a-college-that-still-has-money-for-merit-aid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>YOU VERSUS THE DEPARMENT OF EDUCATION</title>
		<link>http://www.baplan.com/blog/2011/08/13/you-versus-the-deparment-of-education/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=you-versus-the-deparment-of-education</link>
		<comments>http://www.baplan.com/blog/2011/08/13/you-versus-the-deparment-of-education/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:21:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[1040 tax return form]]></category>
		<category><![CDATA[audit]]></category>
		<category><![CDATA[college selection]]></category>
		<category><![CDATA[college solutions]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[eligibility]]></category>
		<category><![CDATA[expected family contribution]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[fit financially]]></category>
		<category><![CDATA[gamble]]></category>
		<category><![CDATA[increase financial aid]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[lower taxes]]></category>
		<category><![CDATA[maximize]]></category>
		<category><![CDATA[out-of-pocket]]></category>
		<category><![CDATA[private colleges]]></category>
		<category><![CDATA[public schools]]></category>
		<category><![CDATA[results]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[self-employed]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[state]]></category>
		<category><![CDATA[tax breaks]]></category>
		<category><![CDATA[tax relief]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=83</guid>
		<description><![CDATA[How well do you understand the Department of Education&#8217;s formulas for financial aid? You wouldn&#8217;t blindly submit a 1040 tax return form to the IRS if you had no idea of how to complete the forms. Doing so would result in you paying too much in taxes, or risk an [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/you-versus-the-deparment-of-education/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What to do with the UGMA?</title>
		<link>http://www.baplan.com/blog/2011/08/13/what-to-do-with-the-ugma/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-do-with-the-ugma</link>
		<comments>http://www.baplan.com/blog/2011/08/13/what-to-do-with-the-ugma/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:19:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[asset]]></category>
		<category><![CDATA[beneficiary]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[custodial account]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[get out of a utma]]></category>
		<category><![CDATA[get out of an ugma]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[investment earnings]]></category>
		<category><![CDATA[kiddie tax]]></category>
		<category><![CDATA[make the transfer]]></category>
		<category><![CDATA[marginal tax rate]]></category>
		<category><![CDATA[owns the account]]></category>
		<category><![CDATA[penalty]]></category>
		<category><![CDATA[savings account]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[statutory age]]></category>
		<category><![CDATA[tax-free]]></category>
		<category><![CDATA[taxable]]></category>
		<category><![CDATA[trust]]></category>
		<category><![CDATA[ugma]]></category>
		<category><![CDATA[uniform gift to minors act]]></category>
		<category><![CDATA[uniform transfers to minors act]]></category>
		<category><![CDATA[utma]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=80</guid>
		<description><![CDATA[If you have put aside money for your child using an UGMA (Uniform Gift to Minors Act) or an UTMA (Uniform Transfers to Minor Act) account, and are now approaching the college years, you may be wondering what to do with it. First let&#8217;s review why you might have opened [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/what-to-do-with-the-ugma/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Selecting a College Financial Planner</title>
		<link>http://www.baplan.com/blog/2011/08/13/selecting-a-college-financial-planner/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=selecting-a-college-financial-planner</link>
		<comments>http://www.baplan.com/blog/2011/08/13/selecting-a-college-financial-planner/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:17:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[advisers]]></category>
		<category><![CDATA[advisors]]></category>
		<category><![CDATA[charge a fee]]></category>
		<category><![CDATA[chief]]></category>
		<category><![CDATA[college financial planner]]></category>
		<category><![CDATA[college planners]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[commission]]></category>
		<category><![CDATA[cooperation]]></category>
		<category><![CDATA[duty]]></category>
		<category><![CDATA[executive]]></category>
		<category><![CDATA[federal and state]]></category>
		<category><![CDATA[fee-only]]></category>
		<category><![CDATA[financial aid administrators]]></category>
		<category><![CDATA[financial aid officers]]></category>
		<category><![CDATA[financial proficiency]]></category>
		<category><![CDATA[for free]]></category>
		<category><![CDATA[low-income familiae]]></category>
		<category><![CDATA[middle class]]></category>
		<category><![CDATA[national association of financial aid administrators]]></category>
		<category><![CDATA[need-based]]></category>
		<category><![CDATA[over-promise]]></category>
		<category><![CDATA[paying for professional advice]]></category>
		<category><![CDATA[philip day]]></category>
		<category><![CDATA[president]]></category>
		<category><![CDATA[specific knowledge]]></category>
		<category><![CDATA[strategies]]></category>
		<category><![CDATA[students]]></category>
		<category><![CDATA[students and families]]></category>
		<category><![CDATA[target]]></category>
		<category><![CDATA[trustworthiness]]></category>
		<category><![CDATA[wshington-based]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=78</guid>
		<description><![CDATA[A recent article in Investment News included the following quote from Philip Day, president and chief executive of the Washington-based National Association of Financial Aid Administrators: &#8220;Financial aid officers are wary of college planners who over-promise what can be done for students or charge a fee to do what students [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/selecting-a-college-financial-planner/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Second Job?</title>
		<link>http://www.baplan.com/blog/2011/08/13/a-second-job/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=a-second-job</link>
		<comments>http://www.baplan.com/blog/2011/08/13/a-second-job/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:15:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[additional net income]]></category>
		<category><![CDATA[back to work]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[child care expenses]]></category>
		<category><![CDATA[college bills]]></category>
		<category><![CDATA[college funding]]></category>
		<category><![CDATA[current income]]></category>
		<category><![CDATA[existing income]]></category>
		<category><![CDATA[fica]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[method]]></category>
		<category><![CDATA[ops]]></category>
		<category><![CDATA[other people's money]]></category>
		<category><![CDATA[other support]]></category>
		<category><![CDATA[pay-as-you-go]]></category>
		<category><![CDATA[paying tax]]></category>
		<category><![CDATA[plus loan]]></category>
		<category><![CDATA[realistic]]></category>
		<category><![CDATA[remaining cash]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[senior year]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[strategy]]></category>
		<category><![CDATA[strict budgeting]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[wages]]></category>
		<category><![CDATA[working spouse]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=76</guid>
		<description><![CDATA[When parents consider how to pay their share of the college bills (after exhausting OPM &#8211; Other People&#8217;s Money), there are three sources for the remaining cash: Savings, Income, and Loans. The &#8216;pay-as-you-go&#8217; method of college funding is to take money from your current income. If you did not save [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/a-second-job/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State of College Admissions Report, 2008</title>
		<link>http://www.baplan.com/blog/2011/08/13/state-of-college-admissions-report-2008/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=state-of-college-admissions-report-2008</link>
		<comments>http://www.baplan.com/blog/2011/08/13/state-of-college-admissions-report-2008/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:12:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[acceptance]]></category>
		<category><![CDATA[achievements]]></category>
		<category><![CDATA[admission rates]]></category>
		<category><![CDATA[admission tests]]></category>
		<category><![CDATA[admissions may be revoked]]></category>
		<category><![CDATA[applications]]></category>
		<category><![CDATA[attending]]></category>
		<category><![CDATA[back up safety]]></category>
		<category><![CDATA[cheating]]></category>
		<category><![CDATA[cherry pick]]></category>
		<category><![CDATA[class rank]]></category>
		<category><![CDATA[college admissions process]]></category>
		<category><![CDATA[colleges]]></category>
		<category><![CDATA[competitiveness]]></category>
		<category><![CDATA[correspondance]]></category>
		<category><![CDATA[counselor]]></category>
		<category><![CDATA[curriculum]]></category>
		<category><![CDATA[disciplinary issues]]></category>
		<category><![CDATA[early action]]></category>
		<category><![CDATA[factors]]></category>
		<category><![CDATA[get accepted]]></category>
		<category><![CDATA[gpa]]></category>
		<category><![CDATA[grades]]></category>
		<category><![CDATA[highlights]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[lying on the application]]></category>
		<category><![CDATA[nacac]]></category>
		<category><![CDATA[national association for college admission counselling]]></category>
		<category><![CDATA[non-refundable deposit]]></category>
		<category><![CDATA[orchestra]]></category>
		<category><![CDATA[poor final grades]]></category>
		<category><![CDATA[prep classes]]></category>
		<category><![CDATA[recommendations]]></category>
		<category><![CDATA[school]]></category>
		<category><![CDATA[sports team]]></category>
		<category><![CDATA[teacher]]></category>
		<category><![CDATA[violent behavior]]></category>
		<category><![CDATA[wait-listed]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=73</guid>
		<description><![CDATA[The National Association for College Admission Counseling (NACAC) has released its 2008 report. Among the highlights: • 3.3 million students graduated from high school in 2007-08 and more than 66% of these went on to college. • The average number of applications made per student continues to rise, causing the [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/state-of-college-admissions-report-2008/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Types of Financial Aid</title>
		<link>http://www.baplan.com/blog/2011/08/13/types-of-financial-aid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=types-of-financial-aid</link>
		<comments>http://www.baplan.com/blog/2011/08/13/types-of-financial-aid/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:11:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[aid]]></category>
		<category><![CDATA[awarded]]></category>
		<category><![CDATA[college board]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[employer grants]]></category>
		<category><![CDATA[fafsa]]></category>
		<category><![CDATA[federal grants]]></category>
		<category><![CDATA[federal loans]]></category>
		<category><![CDATA[funds are limited]]></category>
		<category><![CDATA[grant aid]]></category>
		<category><![CDATA[institutional grants]]></category>
		<category><![CDATA[low income families]]></category>
		<category><![CDATA[near the front]]></category>
		<category><![CDATA[pell grants]]></category>
		<category><![CDATA[state grants]]></category>
		<category><![CDATA[students]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[undergraduate]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=70</guid>
		<description><![CDATA[Undergraduate students received $106.7 billion in aid in 2008 according to College Board. Of this aid, only 15% was in the form of Federal Grants (mostly Pell Grants to low income families). By comparison, the colleges awarded half as much again in institutional grants. Even so, these funds are limited, [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/types-of-financial-aid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>THE FIRST THING YOU NEED TO KNOW IS YOUR EFC (EXPECTED FAMILY CONTRIBUTION)</title>
		<link>http://www.baplan.com/blog/2011/08/13/the-first-thing-you-need-to-know-is-your-efc-expected-family-contribution/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-first-thing-you-need-to-know-is-your-efc-expected-family-contribution</link>
		<comments>http://www.baplan.com/blog/2011/08/13/the-first-thing-you-need-to-know-is-your-efc-expected-family-contribution/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:09:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[accumulation]]></category>
		<category><![CDATA[all is not lost]]></category>
		<category><![CDATA[bay area families]]></category>
		<category><![CDATA[california financial aid]]></category>
		<category><![CDATA[candidate]]></category>
		<category><![CDATA[categories]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[college funding solution]]></category>
		<category><![CDATA[comprehensive]]></category>
		<category><![CDATA[costing you dearly]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[different designs]]></category>
		<category><![CDATA[distribution]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[enhancement]]></category>
		<category><![CDATA[expected family contribution]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[funding]]></category>
		<category><![CDATA[grandchild]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[multiple plans]]></category>
		<category><![CDATA[protection]]></category>
		<category><![CDATA[significant debt]]></category>
		<category><![CDATA[tax-free]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=68</guid>
		<description><![CDATA[Bay Area families fall into one of two categories: those that will qualify for financial aid, and those that will not. I will identify your category to help you arrive at a comprehensive college-funding solution. This is done by calculating your Expected Family Contribution, which determines your eligibility for Federal [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/the-first-thing-you-need-to-know-is-your-efc-expected-family-contribution/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The House Passes Act for College Affordability</title>
		<link>http://www.baplan.com/blog/2011/08/13/the-house-passes-act-for-college-affordability-2/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-house-passes-act-for-college-affordability-2</link>
		<comments>http://www.baplan.com/blog/2011/08/13/the-house-passes-act-for-college-affordability-2/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:07:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[active duty]]></category>
		<category><![CDATA[aggressive marketing practices]]></category>
		<category><![CDATA[aid]]></category>
		<category><![CDATA[borrowing options]]></category>
		<category><![CDATA[broadening eligibility]]></category>
		<category><![CDATA[campus safety]]></category>
		<category><![CDATA[college affordability]]></category>
		<category><![CDATA[compromise committee]]></category>
		<category><![CDATA[contuct]]></category>
		<category><![CDATA[conventional reforms]]></category>
		<category><![CDATA[cops program]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[department of justice]]></category>
		<category><![CDATA[disabilities]]></category>
		<category><![CDATA[disaster readiness]]></category>
		<category><![CDATA[economic groups]]></category>
		<category><![CDATA[equal college opportunities]]></category>
		<category><![CDATA[facilities]]></category>
		<category><![CDATA[faculty]]></category>
		<category><![CDATA[fairness]]></category>
		<category><![CDATA[federal]]></category>
		<category><![CDATA[financial costs]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[finding]]></category>
		<category><![CDATA[first-generation students]]></category>
		<category><![CDATA[gear up]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[helpful information]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[higher education act]]></category>
		<category><![CDATA[house of representatives]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[increasing]]></category>
		<category><![CDATA[institution lenders]]></category>
		<category><![CDATA[integrity]]></category>
		<category><![CDATA[internal revenue service]]></category>
		<category><![CDATA[manageable]]></category>
		<category><![CDATA[maximum federal loans]]></category>
		<category><![CDATA[military families]]></category>
		<category><![CDATA[military personnel]]></category>
		<category><![CDATA[minority students]]></category>
		<category><![CDATA[national center]]></category>
		<category><![CDATA[opportunity act]]></category>
		<category><![CDATA[pell grant]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[pricing]]></category>
		<category><![CDATA[private]]></category>
		<category><![CDATA[purchasing decisions]]></category>
		<category><![CDATA[rein in price increases]]></category>
		<category><![CDATA[repaying student loans]]></category>
		<category><![CDATA[scholarship]]></category>
		<category><![CDATA[state-of-the-art emergency systems]]></category>
		<category><![CDATA[strict codes]]></category>
		<category><![CDATA[student aid]]></category>
		<category><![CDATA[student loan programs]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[terms and conditions]]></category>
		<category><![CDATA[textbooks costs]]></category>
		<category><![CDATA[trio]]></category>
		<category><![CDATA[tuition hikes]]></category>
		<category><![CDATA[user-friendly website]]></category>
		<category><![CDATA[veterans]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=64</guid>
		<description><![CDATA[The College Affordability and Opportunity Act was passed by the House of Representatives Feb. 7, 2008, and will now move to a compromise committee. The act is the House&#8217;s revised and extended version of the Higher Education Act of 1965 and includes conventional reforms such as broadening eligibility requirements and [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/the-house-passes-act-for-college-affordability-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Scholarships</title>
		<link>http://www.baplan.com/blog/2011/08/13/tax-scholarships/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tax-scholarships</link>
		<comments>http://www.baplan.com/blog/2011/08/13/tax-scholarships/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:06:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[adjusted gross income]]></category>
		<category><![CDATA[agi]]></category>
		<category><![CDATA[cpa]]></category>
		<category><![CDATA[credits]]></category>
		<category><![CDATA[family's pocket]]></category>
		<category><![CDATA[financial affairs]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[financial aid rules]]></category>
		<category><![CDATA[financial planners]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[hope]]></category>
		<category><![CDATA[income generation]]></category>
		<category><![CDATA[ineligible for financial aid]]></category>
		<category><![CDATA[integrated college planning]]></category>
		<category><![CDATA[kiddie tax]]></category>
		<category><![CDATA[legal and ethical]]></category>
		<category><![CDATA[lifetime earning]]></category>
		<category><![CDATA[married filing jointly]]></category>
		<category><![CDATA[out-of-pocket]]></category>
		<category><![CDATA[pay for college]]></category>
		<category><![CDATA[pell grant]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[tax advisers]]></category>
		<category><![CDATA[tax bracket]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[tax deductions]]></category>
		<category><![CDATA[tax scholarship]]></category>
		<category><![CDATA[taxes owed]]></category>
		<category><![CDATA[taxpayers]]></category>
		<category><![CDATA[tuition deduction]]></category>
		<category><![CDATA[uncle sam]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=62</guid>
		<description><![CDATA[Many families &#8211; especially those in the Bay Area &#8211; find their income and the value of their assets are too high to be eligible for government financial aid toward college. Is there anything that can be done to reduce the out-of-pocket cost of college for these families? Well, let&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/tax-scholarships/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>More Debt</title>
		<link>http://www.baplan.com/blog/2011/08/13/more-debt/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=more-debt</link>
		<comments>http://www.baplan.com/blog/2011/08/13/more-debt/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 02:04:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[burdened]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[declining odds]]></category>
		<category><![CDATA[degree]]></category>
		<category><![CDATA[demonstrated financial need]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[dream college]]></category>
		<category><![CDATA[earn money]]></category>
		<category><![CDATA[economic troubles]]></category>
		<category><![CDATA[effects of inflation]]></category>
		<category><![CDATA[federal]]></category>
		<category><![CDATA[financial circumstances]]></category>
		<category><![CDATA[food and gas]]></category>
		<category><![CDATA[four-year college]]></category>
		<category><![CDATA[funds available]]></category>
		<category><![CDATA[gapping]]></category>
		<category><![CDATA[graduating class]]></category>
		<category><![CDATA[gravy train]]></category>
		<category><![CDATA[keep costs down]]></category>
		<category><![CDATA[loans are offered]]></category>
		<category><![CDATA[middle class]]></category>
		<category><![CDATA[more debt]]></category>
		<category><![CDATA[parents of seniors]]></category>
		<category><![CDATA[paying for college]]></category>
		<category><![CDATA[public funds]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[responsibilities]]></category>
		<category><![CDATA[scholarships]]></category>
		<category><![CDATA[shirk]]></category>
		<category><![CDATA[state]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[subsidized loans]]></category>
		<category><![CDATA[towards college]]></category>
		<category><![CDATA[tuition prices]]></category>
		<category><![CDATA[tuitions and fees]]></category>
		<category><![CDATA[wage disinflation]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=60</guid>
		<description><![CDATA[We all know the middle-class is generally debt burdened and suffering from wage disinflation. Yet here comes the solution from the college: More Debt. Parents of Seniors are experiencing a unfortunate coincidence of demographics and economic troubles. This year&#8217;s graduating class of 3,340,235 high school students is the highest number [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2011/08/13/more-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Figure Out How Much Can You Spend In Retirement</title>
		<link>http://www.baplan.com/blog/2010/12/13/how-to-figure-out-how-much-can-you-spend-in-retirement/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-figure-out-how-much-can-you-spend-in-retirement</link>
		<comments>http://www.baplan.com/blog/2010/12/13/how-to-figure-out-how-much-can-you-spend-in-retirement/#comments</comments>
		<pubDate>Mon, 13 Dec 2010 20:36:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[accumulated]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[bucket system]]></category>
		<category><![CDATA[constant percentage]]></category>
		<category><![CDATA[disadvantage]]></category>
		<category><![CDATA[distributing]]></category>
		<category><![CDATA[distribution]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[downturns]]></category>
		<category><![CDATA[dynamics]]></category>
		<category><![CDATA[equities]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[fixed dollar]]></category>
		<category><![CDATA[fixed interest]]></category>
		<category><![CDATA[general literature]]></category>
		<category><![CDATA[growth]]></category>
		<category><![CDATA[guardrails]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[inflatiion]]></category>
		<category><![CDATA[interests]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[level of cash flow]]></category>
		<category><![CDATA[lifespan]]></category>
		<category><![CDATA[living off their wages]]></category>
		<category><![CDATA[living standards]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[method]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[Performance]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[portfolio performance]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[retire]]></category>
		<category><![CDATA[retirees]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement paycheck]]></category>
		<category><![CDATA[retirement period]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[rwal-life]]></category>
		<category><![CDATA[safe withdrawal rate]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[starting point]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[stop working]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[too much money]]></category>
		<category><![CDATA[unplanned approach]]></category>
		<category><![CDATA[unpredictability]]></category>
		<category><![CDATA[volatile]]></category>
		<category><![CDATA[well-off]]></category>
		<category><![CDATA[withdrawing]]></category>
		<category><![CDATA[withdrawn]]></category>
		<category><![CDATA[year to year]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=127</guid>
		<description><![CDATA[Most people finally reach a point in life when they stop working and retire. Instead of living off their wages, they must start to live off their retirement income. As discussed in the article on sources of retirement income, this usually includes spending down savings. It may surprise you to [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/12/13/how-to-figure-out-how-much-can-you-spend-in-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sources Of Income In Retirement</title>
		<link>http://www.baplan.com/blog/2010/11/13/sources-of-income-in-retirement/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=sources-of-income-in-retirement</link>
		<comments>http://www.baplan.com/blog/2010/11/13/sources-of-income-in-retirement/#comments</comments>
		<pubDate>Sat, 13 Nov 2010 20:34:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[403b]]></category>
		<category><![CDATA[account balance]]></category>
		<category><![CDATA[after-tax]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[brokerage account]]></category>
		<category><![CDATA[calculating]]></category>
		<category><![CDATA[capital gains]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[company pension]]></category>
		<category><![CDATA[company stock]]></category>
		<category><![CDATA[contributiion]]></category>
		<category><![CDATA[defined benefits]]></category>
		<category><![CDATA[defined contribution]]></category>
		<category><![CDATA[dodo]]></category>
		<category><![CDATA[dollar]]></category>
		<category><![CDATA[downsizing]]></category>
		<category><![CDATA[earned income]]></category>
		<category><![CDATA[earning power]]></category>
		<category><![CDATA[employees]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[financial resources]]></category>
		<category><![CDATA[flexibility]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income planning]]></category>
		<category><![CDATA[invested]]></category>
		<category><![CDATA[loads]]></category>
		<category><![CDATA[lower rate]]></category>
		<category><![CDATA[mainstream]]></category>
		<category><![CDATA[medicaid]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[net income]]></category>
		<category><![CDATA[overvaluing]]></category>
		<category><![CDATA[participants]]></category>
		<category><![CDATA[pension plan]]></category>
		<category><![CDATA[professional investors]]></category>
		<category><![CDATA[programs]]></category>
		<category><![CDATA[regular income]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[reverse mortgages]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[self-employment]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax bracket]]></category>
		<category><![CDATA[tax-deferred]]></category>
		<category><![CDATA[taxable]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[transaction costs]]></category>
		<category><![CDATA[uncle sam]]></category>
		<category><![CDATA[us savings bonds]]></category>
		<category><![CDATA[withdrawal]]></category>
		<category><![CDATA[withdrawals]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=125</guid>
		<description><![CDATA[Where are you going to find income in retirement? Well, retirement income is usually thought of as a three-legged stool; any less than three legs and you&#8217;re in trouble. The legs are Social Security, your company pension, and your savings. Wait a minute; you don&#8217;t have a company pension? Many [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/11/13/sources-of-income-in-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoid the &#8216;Tax Torpedo&#8217;</title>
		<link>http://www.baplan.com/blog/2010/10/13/avoid-the-tax-torpedo/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=avoid-the-tax-torpedo</link>
		<comments>http://www.baplan.com/blog/2010/10/13/avoid-the-tax-torpedo/#comments</comments>
		<pubDate>Wed, 13 Oct 2010 20:32:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[after-tax]]></category>
		<category><![CDATA[asset]]></category>
		<category><![CDATA[certain amount]]></category>
		<category><![CDATA[combined income]]></category>
		<category><![CDATA[effective marginal rate]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[fund]]></category>
		<category><![CDATA[how it works]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income threshold]]></category>
		<category><![CDATA[increased income]]></category>
		<category><![CDATA[indexed]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[ira income]]></category>
		<category><![CDATA[paying less tax]]></category>
		<category><![CDATA[provide income]]></category>
		<category><![CDATA[retiree]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[roth ira]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[social security benefit]]></category>
		<category><![CDATA[strategy]]></category>
		<category><![CDATA[structure]]></category>
		<category><![CDATA[tax bracket]]></category>
		<category><![CDATA[tax rates]]></category>
		<category><![CDATA[tax torpedo]]></category>
		<category><![CDATA[taxation]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=123</guid>
		<description><![CDATA[The term &#8216;Tax Torpedo&#8217; invokes the image of an evil device designed to sink your retirement ship. Well, it exists! After-tax income is what really matters to a retiree and therefore taxation is a critical part of the equation on how to structure a financial plan to take retirement income. [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/10/13/avoid-the-tax-torpedo/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Coming Changes to The Social Security System</title>
		<link>http://www.baplan.com/blog/2010/09/13/the-coming-changes-to-the-social-security-system/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-coming-changes-to-the-social-security-system</link>
		<comments>http://www.baplan.com/blog/2010/09/13/the-coming-changes-to-the-social-security-system/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 20:31:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[accrual of interest]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[baby boomers]]></category>
		<category><![CDATA[basic economics]]></category>
		<category><![CDATA[can't pay the bills]]></category>
		<category><![CDATA[chain letter]]></category>
		<category><![CDATA[confiscating]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[current generations]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[demographics]]></category>
		<category><![CDATA[economic]]></category>
		<category><![CDATA[elderly]]></category>
		<category><![CDATA[elderly vote]]></category>
		<category><![CDATA[entitlement]]></category>
		<category><![CDATA[federal government]]></category>
		<category><![CDATA[financing structure]]></category>
		<category><![CDATA[fiscal burden]]></category>
		<category><![CDATA[fiscal discipline]]></category>
		<category><![CDATA[fiscal gap]]></category>
		<category><![CDATA[fixed income]]></category>
		<category><![CDATA[food stamps]]></category>
		<category><![CDATA[full retirement age]]></category>
		<category><![CDATA[gdp]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[health benefits]]></category>
		<category><![CDATA[high inflation]]></category>
		<category><![CDATA[high interest rates]]></category>
		<category><![CDATA[higher share]]></category>
		<category><![CDATA[implicit debt]]></category>
		<category><![CDATA[increasing taxes]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[larry kotlikoff]]></category>
		<category><![CDATA[living standards]]></category>
		<category><![CDATA[medicaid]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[medicare drug benefit]]></category>
		<category><![CDATA[newborn]]></category>
		<category><![CDATA[pass the buck]]></category>
		<category><![CDATA[payroll tax]]></category>
		<category><![CDATA[politicians]]></category>
		<category><![CDATA[ponzi scheme]]></category>
		<category><![CDATA[presidents]]></category>
		<category><![CDATA[print money]]></category>
		<category><![CDATA[projections]]></category>
		<category><![CDATA[promises]]></category>
		<category><![CDATA[real value]]></category>
		<category><![CDATA[reform]]></category>
		<category><![CDATA[repayment]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[stop paying taxes]]></category>
		<category><![CDATA[stop working]]></category>
		<category><![CDATA[the coming generational storm]]></category>
		<category><![CDATA[the poor]]></category>
		<category><![CDATA[transfer payments]]></category>
		<category><![CDATA[trust fund]]></category>
		<category><![CDATA[us federal debt]]></category>
		<category><![CDATA[vietnam war]]></category>
		<category><![CDATA[wages]]></category>
		<category><![CDATA[welfare payments]]></category>
		<category><![CDATA[worthless currency]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=121</guid>
		<description><![CDATA[Social Security is run like a Ponzi scheme or chain letter that steals from the young to give to the old, and then placates the young by promising to give them a share of the future loot. Trouble is, demographics tell us that the number of old people per worker [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/09/13/the-coming-changes-to-the-social-security-system/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Bucket System</title>
		<link>http://www.baplan.com/blog/2010/08/13/the-bucket-system/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-bucket-system</link>
		<comments>http://www.baplan.com/blog/2010/08/13/the-bucket-system/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 20:30:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[appreciation]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[bucket number]]></category>
		<category><![CDATA[bucket system]]></category>
		<category><![CDATA[buckets of money - how to retire in comfort and safety]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[conservative investments]]></category>
		<category><![CDATA[down market]]></category>
		<category><![CDATA[effects of inflation]]></category>
		<category><![CDATA[equities]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[longevity]]></category>
		<category><![CDATA[raymond lucia]]></category>
		<category><![CDATA[returement]]></category>
		<category><![CDATA[safe movement]]></category>
		<category><![CDATA[san diego financial planner]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[sufficient money]]></category>
		<category><![CDATA[technical papers]]></category>
		<category><![CDATA[volatile]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=119</guid>
		<description><![CDATA[The Bucket System concept has been around for a while in one guise or another, but it has been popularized by a San Diego Financial Planner named Raymond Lucia in his book &#8216;Buckets of Money &#8211; how to retire in comfort and safety&#8217;. The same basic idea in more technical [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Annuities</title>
		<link>http://www.baplan.com/blog/2010/07/13/annuities/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=annuities</link>
		<comments>http://www.baplan.com/blog/2010/07/13/annuities/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 20:29:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[advanced life delayed annuity]]></category>
		<category><![CDATA[americans]]></category>
		<category><![CDATA[annuitant]]></category>
		<category><![CDATA[annuitization]]></category>
		<category><![CDATA[annuitize]]></category>
		<category><![CDATA[annuitizing]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[baby boomers]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[bucket system]]></category>
		<category><![CDATA[conservative rate]]></category>
		<category><![CDATA[deferred annuity]]></category>
		<category><![CDATA[depositing]]></category>
		<category><![CDATA[destitition]]></category>
		<category><![CDATA[financial engineering]]></category>
		<category><![CDATA[fixed period]]></category>
		<category><![CDATA[flexible financial tool]]></category>
		<category><![CDATA[generation]]></category>
		<category><![CDATA[immediate annuity]]></category>
		<category><![CDATA[income stream]]></category>
		<category><![CDATA[insurance company]]></category>
		<category><![CDATA[investment gains]]></category>
		<category><![CDATA[lump sum]]></category>
		<category><![CDATA[profit]]></category>
		<category><![CDATA[retirement security]]></category>
		<category><![CDATA[return]]></category>
		<category><![CDATA[roman times]]></category>
		<category><![CDATA[sales commission]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[there are no guarantees only guarantors]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=117</guid>
		<description><![CDATA[An Annuity is a sum of money that is exchanged for the promise of an income stream. It addresses the universal concern of running out of money before running out of breath. Although this simple concept dates back to Roman times or before, it is tremendously versatile given today&#8217;s sophisticated [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/07/13/annuities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Retirement Paycheck System</title>
		<link>http://www.baplan.com/blog/2010/06/13/the-retirement-paycheck-system/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-retirement-paycheck-system</link>
		<comments>http://www.baplan.com/blog/2010/06/13/the-retirement-paycheck-system/#comments</comments>
		<pubDate>Sun, 13 Jun 2010 20:27:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[403b]]></category>
		<category><![CDATA[activity]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[bucket system]]></category>
		<category><![CDATA[consolidation account]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[drawdown]]></category>
		<category><![CDATA[employers]]></category>
		<category><![CDATA[exchange]]></category>
		<category><![CDATA[fidc]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial process]]></category>
		<category><![CDATA[funds]]></category>
		<category><![CDATA[harvesting]]></category>
		<category><![CDATA[institution]]></category>
		<category><![CDATA[investment accounts]]></category>
		<category><![CDATA[investment policy]]></category>
		<category><![CDATA[investment vehicles]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[liquidate]]></category>
		<category><![CDATA[making transfers]]></category>
		<category><![CDATA[master account]]></category>
		<category><![CDATA[money flow]]></category>
		<category><![CDATA[money market]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[pension distributions]]></category>
		<category><![CDATA[principal]]></category>
		<category><![CDATA[quarterly investment]]></category>
		<category><![CDATA[re-balancing]]></category>
		<category><![CDATA[retire]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[retirement paycheck]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax information]]></category>
		<category><![CDATA[traded]]></category>
		<category><![CDATA[transactions]]></category>
		<category><![CDATA[values]]></category>
		<category><![CDATA[withdrawing]]></category>
		<category><![CDATA[writing checks]]></category>
		<category><![CDATA[year-end]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=115</guid>
		<description><![CDATA[What is a Retirement Paycheck? We are all used to having a bank account, writing checks and making transfers to pay off other spending accounts such as our credit cards. While we are still working, our employer&#8217;s paycheck usually funds this spending, with hopefully some left over for saving. When [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/06/13/the-retirement-paycheck-system/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Worst of Times to Retire</title>
		<link>http://www.baplan.com/blog/2010/05/13/the-worst-of-times-to-retire/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-worst-of-times-to-retire</link>
		<comments>http://www.baplan.com/blog/2010/05/13/the-worst-of-times-to-retire/#comments</comments>
		<pubDate>Thu, 13 May 2010 20:27:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[invested]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[lifespan]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[percentage]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[price-earning]]></category>
		<category><![CDATA[ratio]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[returns]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[withdrawing]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=111</guid>
		<description><![CDATA[If you have a portion of your portfolio invested in the stock market, and will be withdrawing income and eventually principal from the portfolio during your retirement, you have a big problem right now. This is because the sequence of the equity investment returns is critical to your portfolio successfully [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/05/13/the-worst-of-times-to-retire/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The meaning of the word &#8216;Fiduciary&#8217;</title>
		<link>http://www.baplan.com/blog/2010/04/13/the-meaning-of-the-word-fiduciary/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-meaning-of-the-word-fiduciary</link>
		<comments>http://www.baplan.com/blog/2010/04/13/the-meaning-of-the-word-fiduciary/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 20:26:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[brokers]]></category>
		<category><![CDATA[conflict of interest]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[employer]]></category>
		<category><![CDATA[fee-only]]></category>
		<category><![CDATA[fiduciary]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial planning association]]></category>
		<category><![CDATA[high sales]]></category>
		<category><![CDATA[investment advisors act]]></category>
		<category><![CDATA[kryptonite]]></category>
		<category><![CDATA[proprietary]]></category>
		<category><![CDATA[sec]]></category>
		<category><![CDATA[wall street]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=113</guid>
		<description><![CDATA[The word you should be hearing and thinking about when it comes to financial planning is fiduciary. This is a difficult word, not often used in the media, but it&#8217;s much more important than terms they do use often, like &#8216;fee-only&#8217;. &#8216;Fiduciary&#8217; is also a word you will never hear [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/04/13/the-meaning-of-the-word-fiduciary/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Financial Advisors are paid</title>
		<link>http://www.baplan.com/blog/2010/03/13/how-financial-advisors-are-paid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-financial-advisors-are-paid</link>
		<comments>http://www.baplan.com/blog/2010/03/13/how-financial-advisors-are-paid/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 20:24:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[. bias]]></category>
		<category><![CDATA[advisor]]></category>
		<category><![CDATA[asset under management]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[commission]]></category>
		<category><![CDATA[compensation]]></category>
		<category><![CDATA[fee-only]]></category>
		<category><![CDATA[flat fee]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[investment account]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[jane bryant quinn]]></category>
		<category><![CDATA[local paper]]></category>
		<category><![CDATA[newsweek]]></category>
		<category><![CDATA[planners]]></category>
		<category><![CDATA[professionals]]></category>
		<category><![CDATA[salespeople]]></category>
		<category><![CDATA[salesperson]]></category>
		<category><![CDATA[statistics]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=109</guid>
		<description><![CDATA[Newsweek&#8217;s Jane Bryant Quinn loves Fee-Only planners. Chances are the editor of the business section of your local paper also recommends &#8216;fee-only&#8217; as the preferred compensation method. The idea is the advisor is not a salesperson, so has no bias in the advice he or she gives. It&#8217;s a simple [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2010/03/13/how-financial-advisors-are-paid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When to take Social Security</title>
		<link>http://www.baplan.com/blog/2010/02/13/when-to-take-social-security/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-to-take-social-security</link>
		<comments>http://www.baplan.com/blog/2010/02/13/when-to-take-social-security/#comments</comments>
		<pubDate>Sat, 13 Feb 2010 20:22:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[alternative income]]></category>
		<category><![CDATA[annual income]]></category>
		<category><![CDATA[bankrupt]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[cola]]></category>
		<category><![CDATA[eligible for]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[receive]]></category>
		<category><![CDATA[retiree]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[social security administration]]></category>
		<category><![CDATA[social security agency]]></category>
		<category><![CDATA[social security benefits]]></category>
		<category><![CDATA[social security statement]]></category>
		<category><![CDATA[sources]]></category>
		<category><![CDATA[ssa]]></category>
		<category><![CDATA[survivor]]></category>
		<category><![CDATA[tax burden]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=106</guid>
		<description><![CDATA[The decision of when to take Social Security benefits has a major impact in a number of areas, including survivor benefits and the tax burden that a retiree will incur. It is a very important decision, yet a complicated one, depending on many factors such as life expectancy of each [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The right way to select a Mortgage</title>
		<link>http://www.baplan.com/blog/2010/01/13/the-right-way-to-select-a-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-right-way-to-select-a-mortgage</link>
		<comments>http://www.baplan.com/blog/2010/01/13/the-right-way-to-select-a-mortgage/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 20:19:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[advisors]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[brokers]]></category>
		<category><![CDATA[buyers]]></category>
		<category><![CDATA[discount points]]></category>
		<category><![CDATA[document]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[good faith estimate]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[hud]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan offers]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[overage]]></category>
		<category><![CDATA[p.o.c]]></category>
		<category><![CDATA[paid outside of closing]]></category>
		<category><![CDATA[par]]></category>
		<category><![CDATA[par-plus pricing]]></category>
		<category><![CDATA[premium pricing]]></category>
		<category><![CDATA[processing]]></category>
		<category><![CDATA[rate participation fee]]></category>
		<category><![CDATA[rebate pricing]]></category>
		<category><![CDATA[service release premium]]></category>
		<category><![CDATA[settlement statement]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[thousands]]></category>
		<category><![CDATA[yield spread premium]]></category>
		<category><![CDATA[ysp]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=103</guid>
		<description><![CDATA[Comparing loans from different lenders is complex, yet picking the right one can save you thousands of dollars. Most buyers (and even advisors) do not understand how to compare different loan offers. Lenders quote mortgage interest rates on daily rate sheets sent to brokers. Each loan type will have an [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Textbook Cost Issue</title>
		<link>http://www.baplan.com/blog/2009/12/13/the-textbook-cost-issue/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-textbook-cost-issue</link>
		<comments>http://www.baplan.com/blog/2009/12/13/the-textbook-cost-issue/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 02:01:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[ab1548]]></category>
		<category><![CDATA[books]]></category>
		<category><![CDATA[borrowing]]></category>
		<category><![CDATA[buying online]]></category>
		<category><![CDATA[california governor]]></category>
		<category><![CDATA[campus]]></category>
		<category><![CDATA[catalogs]]></category>
		<category><![CDATA[chabot college]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college affordability and opportunity act]]></category>
		<category><![CDATA[college consumer's bill of rights]]></category>
		<category><![CDATA[college textbook transparency act]]></category>
		<category><![CDATA[copying]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[gambling]]></category>
		<category><![CDATA[government accountability]]></category>
		<category><![CDATA[house of representatives]]></category>
		<category><![CDATA[inflatiion]]></category>
		<category><![CDATA[isbn]]></category>
		<category><![CDATA[national association of college stores]]></category>
		<category><![CDATA[office]]></category>
		<category><![CDATA[overpriced stores]]></category>
		<category><![CDATA[professors]]></category>
		<category><![CDATA[publishers]]></category>
		<category><![CDATA[revision information]]></category>
		<category><![CDATA[sb832]]></category>
		<category><![CDATA[schwarzenegger]]></category>
		<category><![CDATA[selling books back]]></category>
		<category><![CDATA[semester]]></category>
		<category><![CDATA[students]]></category>
		<category><![CDATA[study]]></category>
		<category><![CDATA[taking notes]]></category>
		<category><![CDATA[textbook prices]]></category>
		<category><![CDATA[textbook pricing]]></category>
		<category><![CDATA[textbooks]]></category>
		<category><![CDATA[unbundle]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=56</guid>
		<description><![CDATA[Don&#8217;t underestimate the cost of textbooks when figuring your out-of-pocket expenses for college. The number typically assumed is $900 per year, but for many students, the expense greatly exceeds this, with individual books at well over $100. Textbook prices have been rising at more than double the rate of inflation [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2009/12/13/the-textbook-cost-issue/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The &#8216;College Condo&#8217; Strategy</title>
		<link>http://www.baplan.com/blog/2009/11/13/the-college-condo-strategy/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-college-condo-strategy</link>
		<comments>http://www.baplan.com/blog/2009/11/13/the-college-condo-strategy/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 02:01:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[charitable donation]]></category>
		<category><![CDATA[charitable remainder trust]]></category>
		<category><![CDATA[college condo]]></category>
		<category><![CDATA[common expenses]]></category>
		<category><![CDATA[cost of housing]]></category>
		<category><![CDATA[depreciation]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[housing prices]]></category>
		<category><![CDATA[investment property]]></category>
		<category><![CDATA[limited liability company]]></category>
		<category><![CDATA[llc]]></category>
		<category><![CDATA[mortgage expenses]]></category>
		<category><![CDATA[practical experience]]></category>
		<category><![CDATA[property manager]]></category>
		<category><![CDATA[resale]]></category>
		<category><![CDATA[student]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[utilities]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=54</guid>
		<description><![CDATA[Consider the &#8220;college condo&#8221; strategy as a way to meet the housing need of the student while enjoying the benefits of investment property. The cost of housing is one of the major expenses of college. Here&#8217;s a way for families that cannot qualify for financial aid to reduce or eliminate [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2009/11/13/the-college-condo-strategy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Key to Funding College</title>
		<link>http://www.baplan.com/blog/2009/10/13/the-key-to-funding-college/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-key-to-funding-college</link>
		<comments>http://www.baplan.com/blog/2009/10/13/the-key-to-funding-college/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 01:59:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[average income]]></category>
		<category><![CDATA[average incomes]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college financial aid]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[cost a family]]></category>
		<category><![CDATA[cost of college]]></category>
		<category><![CDATA[cpa]]></category>
		<category><![CDATA[credits]]></category>
		<category><![CDATA[deductible]]></category>
		<category><![CDATA[efc]]></category>
		<category><![CDATA[expected family contribution]]></category>
		<category><![CDATA[expensive private college]]></category>
		<category><![CDATA[extra dollars]]></category>
		<category><![CDATA[financial affairs]]></category>
		<category><![CDATA[financial aid. government's calculation]]></category>
		<category><![CDATA[financial planners]]></category>
		<category><![CDATA[funding college]]></category>
		<category><![CDATA[government aid]]></category>
		<category><![CDATA[high income]]></category>
		<category><![CDATA[inexpensive]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[lower income]]></category>
		<category><![CDATA[perfectly legal]]></category>
		<category><![CDATA[reduce financial aid]]></category>
		<category><![CDATA[reducing the efc]]></category>
		<category><![CDATA[tax advisors]]></category>
		<category><![CDATA[tax deductions]]></category>
		<category><![CDATA[tax scholarship]]></category>
		<category><![CDATA[uncle sam]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=52</guid>
		<description><![CDATA[One of the first questions parents ask when sitting down to look at the cost of college is how much financial aid they are going to get. Financial aid is based on the government&#8217;s calculation of how much the family should pay, and this amount is called the Expected Family [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the &#8216;Kiddie Tax&#8217; and why is it important to college planning?</title>
		<link>http://www.baplan.com/blog/2009/09/13/what-is-the-kiddie-tax-and-why-is-it-important-to-college-planning/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-the-kiddie-tax-and-why-is-it-important-to-college-planning</link>
		<comments>http://www.baplan.com/blog/2009/09/13/what-is-the-kiddie-tax-and-why-is-it-important-to-college-planning/#comments</comments>
		<pubDate>Sun, 13 Sep 2009 01:53:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[capital gains]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[earned income]]></category>
		<category><![CDATA[exempt]]></category>
		<category><![CDATA[full-time students]]></category>
		<category><![CDATA[going to college]]></category>
		<category><![CDATA[higher tax rate]]></category>
		<category><![CDATA[investment income]]></category>
		<category><![CDATA[kiddie tax]]></category>
		<category><![CDATA[lower tax rate]]></category>
		<category><![CDATA[rents]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[shifting income]]></category>
		<category><![CDATA[small business act]]></category>
		<category><![CDATA[stock]]></category>
		<category><![CDATA[taxable interest]]></category>
		<category><![CDATA[taxed]]></category>
		<category><![CDATA[unearned]]></category>
		<category><![CDATA[wages]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=49</guid>
		<description><![CDATA[The Kiddie Tax was intended to stop parents shifting income producing assets to their children to gain advantage of the child&#8217;s lower tax rate, and then taking the benefits for themselves. Such income shifting was just a way around the parents paying their higher tax rate. Originally, the Kiddie tax [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The New HOPE Credit</title>
		<link>http://www.baplan.com/blog/2009/08/13/the-new-hope-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-new-hope-credit</link>
		<comments>http://www.baplan.com/blog/2009/08/13/the-new-hope-credit/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 01:50:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[american opportunity tax credit]]></category>
		<category><![CDATA[american recovery and reinvestment act]]></category>
		<category><![CDATA[bay area parents]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college junior]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[head of households]]></category>
		<category><![CDATA[hope scholarship credit]]></category>
		<category><![CDATA[income limit]]></category>
		<category><![CDATA[kiddie tax]]></category>
		<category><![CDATA[lifetime learning credit]]></category>
		<category><![CDATA[married filing jointly]]></category>
		<category><![CDATA[president obama]]></category>
		<category><![CDATA[qualify to receive]]></category>
		<category><![CDATA[senior]]></category>
		<category><![CDATA[stimulus bill]]></category>
		<category><![CDATA[tuition and fees]]></category>
		<category><![CDATA[withholding]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=46</guid>
		<description><![CDATA[The American Recovery and Reinvestment Act of 2009 (aka stimulus bill) signed by President Obama renamed the HOPE Scholarship Credit to the American Opportunity Tax Credit and made it a lot more useful for Bay Area parents. Here&#8217;s how: a) More of you will qualify to receive the credit. The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>529 Savings Plans Flunk Big Test</title>
		<link>http://www.baplan.com/blog/2009/07/13/529-savings-plans-flunk-big-test/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=529-savings-plans-flunk-big-test</link>
		<comments>http://www.baplan.com/blog/2009/07/13/529-savings-plans-flunk-big-test/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 01:48:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[329 plan]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[529 savings]]></category>
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		<category><![CDATA[champion income]]></category>
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		<category><![CDATA[investment]]></category>
		<category><![CDATA[junk bonds]]></category>
		<category><![CDATA[limited-term government]]></category>
		<category><![CDATA[market downturn]]></category>
		<category><![CDATA[market meltdown]]></category>
		<category><![CDATA[Morningstar]]></category>
		<category><![CDATA[mortgage-backed]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[oppenheimer funds]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[portfolio of students]]></category>
		<category><![CDATA[pushed the envelope]]></category>
		<category><![CDATA[retirement funds]]></category>
		<category><![CDATA[savings plan]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[student]]></category>
		<category><![CDATA[ultra-conservative]]></category>
		<category><![CDATA[volatility]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=43</guid>
		<description><![CDATA[The recent market meltdown has exposed a big problem with target date mutual funds. The college equivalent is the failure of 529 savings plans for families with students in or approaching college. The recent stock market volatility has badly impacted the college savings type 529 plan. These saving plans work [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2009/07/13/529-savings-plans-flunk-big-test/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>No Guarantees with 529 Pre-Paid Plans</title>
		<link>http://www.baplan.com/blog/2009/06/13/no-guarantees-with-529-pre-paid-plans/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=no-guarantees-with-529-pre-paid-plans</link>
		<comments>http://www.baplan.com/blog/2009/06/13/no-guarantees-with-529-pre-paid-plans/#comments</comments>
		<pubDate>Sat, 13 Jun 2009 01:46:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[alabama college tuition]]></category>
		<category><![CDATA[bernie madeoff]]></category>
		<category><![CDATA[cash inflows]]></category>
		<category><![CDATA[closing enrollment]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college prices]]></category>
		<category><![CDATA[director of washington's get]]></category>
		<category><![CDATA[equities]]></category>
		<category><![CDATA[future obligations]]></category>
		<category><![CDATA[guaranteed education tuition]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[larry lee]]></category>
		<category><![CDATA[make payments]]></category>
		<category><![CDATA[market downturn]]></category>
		<category><![CDATA[market risk]]></category>
		<category><![CDATA[pennsylvanya plan]]></category>
		<category><![CDATA[pre-paid]]></category>
		<category><![CDATA[savings type]]></category>
		<category><![CDATA[shortfalls]]></category>
		<category><![CDATA[tuition plan]]></category>
		<category><![CDATA[wall street journal]]></category>
		<category><![CDATA[washington]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=41</guid>
		<description><![CDATA[To avoid the market risk with a savings type 529 plan experienced in 2008, more people are moving to the pre-paid type plan. In a pre-paid tuition plan, your money buys the right to go to college at today&#8217;s prices, i.e. the return on your money is equal to the [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2009/06/13/no-guarantees-with-529-pre-paid-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing in a 529 College Savings Plan</title>
		<link>http://www.baplan.com/blog/2009/05/13/investing-in-a-529-college-savings-plan/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=investing-in-a-529-college-savings-plan</link>
		<comments>http://www.baplan.com/blog/2009/05/13/investing-in-a-529-college-savings-plan/#comments</comments>
		<pubDate>Wed, 13 May 2009 01:44:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[529 college savings plans]]></category>
		<category><![CDATA[529 plan]]></category>
		<category><![CDATA[529 plans]]></category>
		<category><![CDATA[accounts]]></category>
		<category><![CDATA[aggressive investment]]></category>
		<category><![CDATA[availability of funds]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[buy & hold]]></category>
		<category><![CDATA[conservative]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[equities]]></category>
		<category><![CDATA[equity funds]]></category>
		<category><![CDATA[falling markets]]></category>
		<category><![CDATA[fixed income]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[junior high]]></category>
		<category><![CDATA[long-term savings]]></category>
		<category><![CDATA[options]]></category>
		<category><![CDATA[pay for college]]></category>
		<category><![CDATA[savings for college]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[trading accounts]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=39</guid>
		<description><![CDATA[The recent turmoil in the stock market has affected 529 College Savings Plans as well as 401(k) and IRA accounts. There are big differences between these types of investments, which mean they must be managed differently. Let&#8217;s examine why you cannot think of your 529 Plan as you would your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2009 Stimulus Bill Changes How You Use Your 529 Plan</title>
		<link>http://www.baplan.com/blog/2009/04/13/2009-stimulus-bill-changes-how-you-use-your-529-plan/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=2009-stimulus-bill-changes-how-you-use-your-529-plan</link>
		<comments>http://www.baplan.com/blog/2009/04/13/2009-stimulus-bill-changes-how-you-use-your-529-plan/#comments</comments>
		<pubDate>Mon, 13 Apr 2009 01:41:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[529]]></category>
		<category><![CDATA[529 expenses]]></category>
		<category><![CDATA[529 money]]></category>
		<category><![CDATA[529 plan money]]></category>
		<category><![CDATA[529 plans]]></category>
		<category><![CDATA[american opportunity tax credit]]></category>
		<category><![CDATA[american recovery and reinvestment act of 2009]]></category>
		<category><![CDATA[attendance]]></category>
		<category><![CDATA[beneficiary]]></category>
		<category><![CDATA[books]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college condo]]></category>
		<category><![CDATA[computer technology]]></category>
		<category><![CDATA[cost of attendance]]></category>
		<category><![CDATA[degree]]></category>
		<category><![CDATA[educational institution]]></category>
		<category><![CDATA[enrollment]]></category>
		<category><![CDATA[equipment]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[fees]]></category>
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		<category><![CDATA[mandatory]]></category>
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		<category><![CDATA[plan]]></category>
		<category><![CDATA[president obama]]></category>
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		<category><![CDATA[qualified]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[strategy]]></category>
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		<category><![CDATA[students]]></category>
		<category><![CDATA[supplies]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[tax-free]]></category>
		<category><![CDATA[tuition]]></category>
		<category><![CDATA[tuition bill]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=37</guid>
		<description><![CDATA[A dirty little secret of the 529 college savings plan is that there is a limit to how much can be spent in a year. It is possible to have TOO MUCH money in a 529 plan. 529 Plans are only &#8216;tax-free&#8217; if they are used to pay for qualified [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Tips to Protect You From College Calamity</title>
		<link>http://www.baplan.com/blog/2009/02/02/4-tips-to-protect-you-from-college-calamity/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=4-tips-to-protect-you-from-college-calamity</link>
		<comments>http://www.baplan.com/blog/2009/02/02/4-tips-to-protect-you-from-college-calamity/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 01:33:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[additional loans]]></category>
		<category><![CDATA[applications]]></category>
		<category><![CDATA[attend]]></category>
		<category><![CDATA[can afford]]></category>
		<category><![CDATA[college career]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[college process]]></category>
		<category><![CDATA[college savings]]></category>
		<category><![CDATA[colleges applied for]]></category>
		<category><![CDATA[daughter]]></category>
		<category><![CDATA[e-mails]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[file aid]]></category>
		<category><![CDATA[financial aspect]]></category>
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		<category><![CDATA[financing]]></category>
		<category><![CDATA[freshman]]></category>
		<category><![CDATA[huge expense]]></category>
		<category><![CDATA[miscalculated]]></category>
		<category><![CDATA[net cost]]></category>
		<category><![CDATA[phone calls]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[resources]]></category>
		<category><![CDATA[select colleges]]></category>
		<category><![CDATA[senior]]></category>
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		<category><![CDATA[sophomore]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=15</guid>
		<description><![CDATA[There’s a certain rhythm to the college planning year; a time to select colleges, a time to file aid applications, a time to decide which college to attend, etc. At this time of year, the phone calls and e-mails go something like this: &#8220;My son/daughter is leaving for (name of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Problem with the Replacement Method</title>
		<link>http://www.baplan.com/blog/2009/01/13/the-problem-with-the-replacement-method/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-problem-with-the-replacement-method</link>
		<comments>http://www.baplan.com/blog/2009/01/13/the-problem-with-the-replacement-method/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 20:43:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[aarp]]></category>
		<category><![CDATA[cbsmarketwatch.com]]></category>
		<category><![CDATA[consumption smoothing]]></category>
		<category><![CDATA[federal]]></category>
		<category><![CDATA[fica]]></category>
		<category><![CDATA[financial company]]></category>
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		<category><![CDATA[pre-retirement]]></category>
		<category><![CDATA[projected]]></category>
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		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[retirement planning calculator]]></category>
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		<category><![CDATA[savings target]]></category>
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		<category><![CDATA[splurge]]></category>
		<category><![CDATA[wealth managers]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=141</guid>
		<description><![CDATA[Traditional retirement planning is based on how much income you need in retirement. Just go to any big financial company website and look for their retirement planning calculator. Either they will ask you to estimate much you will need to spend in retirement, or they will assume you need a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Deferred Accounts &#8211; can you have too much of a good thing?</title>
		<link>http://www.baplan.com/blog/2008/12/13/tax-deferred-accounts-can-you-have-too-much-of-a-good-thing/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tax-deferred-accounts-can-you-have-too-much-of-a-good-thing</link>
		<comments>http://www.baplan.com/blog/2008/12/13/tax-deferred-accounts-can-you-have-too-much-of-a-good-thing/#comments</comments>
		<pubDate>Sat, 13 Dec 2008 20:42:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[accounts]]></category>
		<category><![CDATA[after taxes]]></category>
		<category><![CDATA[allocation]]></category>
		<category><![CDATA[balances]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[compound]]></category>
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		<category><![CDATA[irs tax brackets]]></category>
		<category><![CDATA[lower in retirement]]></category>
		<category><![CDATA[lower tax bracket]]></category>
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		<category><![CDATA[money]]></category>
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		<category><![CDATA[net income]]></category>
		<category><![CDATA[over time]]></category>
		<category><![CDATA[over your shoulder]]></category>
		<category><![CDATA[pre-tax]]></category>
		<category><![CDATA[reduction]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[roth ira]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[slice of that money]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tax-deferred]]></category>
		<category><![CDATA[taxable income]]></category>
		<category><![CDATA[the media]]></category>
		<category><![CDATA[traditional]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=139</guid>
		<description><![CDATA[Where to put the money you save? Well that&#8217;s easy &#8211; tax-deferred retirement accounts, of course. The media (and most advisors) love tax deferred retirement accounts such as the 401k account your employer offers, or the traditional IRA. You put pre-tax money in and it grows without being taxed each [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2008/12/13/tax-deferred-accounts-can-you-have-too-much-of-a-good-thing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Asset Allocation</title>
		<link>http://www.baplan.com/blog/2008/11/13/asset-allocation/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=asset-allocation</link>
		<comments>http://www.baplan.com/blog/2008/11/13/asset-allocation/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 20:41:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[active]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[asset class]]></category>
		<category><![CDATA[best companies]]></category>
		<category><![CDATA[best investors]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[buys]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[comfort zone]]></category>
		<category><![CDATA[common sense]]></category>
		<category><![CDATA[day trader]]></category>
		<category><![CDATA[diversification]]></category>
		<category><![CDATA[diversified portfolio]]></category>
		<category><![CDATA[earnings]]></category>
		<category><![CDATA[economic]]></category>
		<category><![CDATA[efficiant frontier]]></category>
		<category><![CDATA[eggs in one basket]]></category>
		<category><![CDATA[future success]]></category>
		<category><![CDATA[grounded]]></category>
		<category><![CDATA[horizon]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[less risk]]></category>
		<category><![CDATA[long-term]]></category>
		<category><![CDATA[make money]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[market has fallen]]></category>
		<category><![CDATA[method]]></category>
		<category><![CDATA[modern portfolio theory]]></category>
		<category><![CDATA[Monte Carlo]]></category>
		<category><![CDATA[negative correlation]]></category>
		<category><![CDATA[nobel prize]]></category>
		<category><![CDATA[optimize]]></category>
		<category><![CDATA[past performance]]></category>
		<category><![CDATA[patsy]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[probability]]></category>
		<category><![CDATA[proportions]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[retail investors]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[returns]]></category>
		<category><![CDATA[risk-return]]></category>
		<category><![CDATA[securities]]></category>
		<category><![CDATA[sells a stock]]></category>
		<category><![CDATA[stochastic]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[stretegic]]></category>
		<category><![CDATA[volatility]]></category>
		<category><![CDATA[warren buffet]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=137</guid>
		<description><![CDATA[There are many theories of investing. Think of how different Warren Buffet, who buys whole companies and never sells them, is to a day trader, who buys and sells a stock within the same day. The best investors of each of the many types will make money. But what about [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Monte Carlo &#8211; Your Spin On the Wheel</title>
		<link>http://www.baplan.com/blog/2008/10/13/monte-carlo-your-spin-on-the-wheel/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=monte-carlo-your-spin-on-the-wheel</link>
		<comments>http://www.baplan.com/blog/2008/10/13/monte-carlo-your-spin-on-the-wheel/#comments</comments>
		<pubDate>Mon, 13 Oct 2008 20:40:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[analysis]]></category>
		<category><![CDATA[averages]]></category>
		<category><![CDATA[chance]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[compounding]]></category>
		<category><![CDATA[expected range]]></category>
		<category><![CDATA[gambling]]></category>
		<category><![CDATA[individual returns]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[mcs]]></category>
		<category><![CDATA[Monte Carlo]]></category>
		<category><![CDATA[one pass]]></category>
		<category><![CDATA[portfolios]]></category>
		<category><![CDATA[projection]]></category>
		<category><![CDATA[return]]></category>
		<category><![CDATA[simulation]]></category>
		<category><![CDATA[straight line]]></category>
		<category><![CDATA[variability]]></category>
		<category><![CDATA[variable returns]]></category>
		<category><![CDATA[volatility]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=135</guid>
		<description><![CDATA[What is &#8216;Monte Carlo Simulation&#8217;? Sounds like something to do with gambling. Well it is, kind of &#8211; it&#8217;s based on chance. When our advisor tells us we will receive an eight percent return on our investments, which will grow to $3 million in 20 years, we might hope that [...]]]></description>
		<wfw:commentRss>http://www.baplan.com/blog/2008/10/13/monte-carlo-your-spin-on-the-wheel/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Importance Of Fees To Your Returns</title>
		<link>http://www.baplan.com/blog/2008/09/13/the-importance-of-fees-to-your-returns/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-importance-of-fees-to-your-returns</link>
		<comments>http://www.baplan.com/blog/2008/09/13/the-importance-of-fees-to-your-returns/#comments</comments>
		<pubDate>Sat, 13 Sep 2008 20:39:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[12b-1]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[advisor]]></category>
		<category><![CDATA[after-tax]]></category>
		<category><![CDATA[asset]]></category>
		<category><![CDATA[brokerage]]></category>
		<category><![CDATA[commission]]></category>
		<category><![CDATA[company]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[eft]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[execution slippage]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[fine print]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[gross returns]]></category>
		<category><![CDATA[hedge funds]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mutual fund]]></category>
		<category><![CDATA[Performance]]></category>
		<category><![CDATA[planners]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[stock]]></category>
		<category><![CDATA[total returns]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=133</guid>
		<description><![CDATA[We are always hearing about the performance of the market or of a company&#8217;s stock, you know, the market was up 11.2% in 2007, etc. These are gross returns, or they sometimes will include dividends and be called total returns. However these are not the returns you will receive! When [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Higher Education is an Industry!</title>
		<link>http://www.baplan.com/blog/2008/08/07/higher-education-is-an-industry/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=higher-education-is-an-industry</link>
		<comments>http://www.baplan.com/blog/2008/08/07/higher-education-is-an-industry/#comments</comments>
		<pubDate>Thu, 07 Aug 2008 04:28:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[admission]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[business world]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[competitive]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[federal government]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[hype]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income based repayment]]></category>
		<category><![CDATA[industry]]></category>
		<category><![CDATA[not-for-profit]]></category>
		<category><![CDATA[option arm]]></category>
		<category><![CDATA[process]]></category>
		<category><![CDATA[public debt]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[revenue]]></category>
		<category><![CDATA[shareholders]]></category>
		<category><![CDATA[sub-prime]]></category>
		<category><![CDATA[sub-prime mortgages]]></category>
		<category><![CDATA[taxpayer]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=8</guid>
		<description><![CDATA[College is but a speed bump on the road to retirement. Of course, having two or three kids can do a lot of damage to your suspension! This is not to minimize the challenge that paying for college presents to most families. Just that I want to remind you to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How much Life Insurance do you need?</title>
		<link>http://www.baplan.com/blog/2008/07/13/how-much-life-insurance-do-you-need/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-much-life-insurance-do-you-need</link>
		<comments>http://www.baplan.com/blog/2008/07/13/how-much-life-insurance-do-you-need/#comments</comments>
		<pubDate>Sun, 13 Jul 2008 20:37:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[agents]]></category>
		<category><![CDATA[calculation]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[correct amount]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[earner]]></category>
		<category><![CDATA[generous]]></category>
		<category><![CDATA[Goal]]></category>
		<category><![CDATA[industry]]></category>
		<category><![CDATA[inexpensive]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortality]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[premium payments]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[savings component]]></category>
		<category><![CDATA[standard]]></category>
		<category><![CDATA[tax-deferred]]></category>
		<category><![CDATA[term]]></category>
		<category><![CDATA[wage]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=131</guid>
		<description><![CDATA[The goal of insurance is to equalize one&#8217;s living standard across good and bad times. It means making premium payments during the good times, when the house hasn&#8217;t burned down or the primary wage earner hasn&#8217;t died, so as to receive a significant amount of money in the bad times, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When You Are Ready To Retire&#8230;</title>
		<link>http://www.baplan.com/blog/2008/06/13/when-you-are-ready-to-retire/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-you-are-ready-to-retire</link>
		<comments>http://www.baplan.com/blog/2008/06/13/when-you-are-ready-to-retire/#comments</comments>
		<pubDate>Fri, 13 Jun 2008 20:37:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[bad advice]]></category>
		<category><![CDATA[brokerage]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[financial life]]></category>
		<category><![CDATA[financial services]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[key question]]></category>
		<category><![CDATA[maximum income]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[pre-retirement]]></category>
		<category><![CDATA[Retiring]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[transition]]></category>
		<category><![CDATA[uncertainties]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://baplan.com/blog/?p=129</guid>
		<description><![CDATA[In this overview, we will list some of the issues to be faced after retiring, when you are withdrawing and spending the financial resources your saved while working. During this phase, you want to make sure the money lasts and will be available to you for the rest of you [...]]]></description>
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		</item>
	</channel>
</rss>

