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	<title>Target 2025 &#187; Repercussions: A Retirement Review</title>
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	<link>http://target2025.com</link>
	<description>Retirement Planning in Less Time than You Think</description>
	<lastBuildDate>Sun, 05 Feb 2012 17:54:44 +0000</lastBuildDate>
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		<item>
		<title>Defining Sophistication: Investing and Knowledgeable Investors</title>
		<link>http://target2025.com/sophistication-investing-mutual-funds-etfs-petillo/</link>
		<comments>http://target2025.com/sophistication-investing-mutual-funds-etfs-petillo/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 17:54:44 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2936</guid>
		<description><![CDATA[Of late, it has been this delineation of investment style or belief that these two groups of investors exist for the benefit of the other, a sort of predator/prey relationship. To be more sophisticated, one must have the less-sophisticated to feast upon. Investing is not and never has been a mutually beneficial arrangement. One trade has two sides and one of those sides believes, without any doubt, it knows what the other side of that trade does not. The "knowledgeable investor" may be on both sides of the trade in an irony that keeps this market forever fascinating. <a href="http://target2025.com/sophistication-investing-mutual-funds-etfs-petillo/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On the Radio with Brad Thomas</title>
		<link>http://target2025.com/on-the-radio-with-brad-thomas/</link>
		<comments>http://target2025.com/on-the-radio-with-brad-thomas/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 15:06:18 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[Brad Thomas]]></category>
		<category><![CDATA[Dave Kittredge]]></category>
		<category><![CDATA[Dave Ng]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[investing in real estate]]></category>
		<category><![CDATA[portfolios]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[REITs]]></category>
		<category><![CDATA[retire plan]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2929</guid>
		<description><![CDATA[Among the topics Brad explained included the risk of owning these investments, how they are structured and the dividends they offer, how to analyze their worth and most importantly, how these investments react to various economic forces. REITs have been around for over five decades and are a widely suggested part of a diversified portfolio. <a href="http://target2025.com/on-the-radio-with-brad-thomas/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Closer Look at Homeownership</title>
		<link>http://target2025.com/a-closer-look-at-homeownership/</link>
		<comments>http://target2025.com/a-closer-look-at-homeownership/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 15:13:04 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[rent versus buying]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2923</guid>
		<description><![CDATA[This is the first of a three part conversation on Financial Impact Factor Radio we are having on homeownership ending on Friday with a visit from Brad Thomas, Forbes and Seeking Alpha columnist to discuss REITs (Real Estate Investment Trust). <a href="http://target2025.com/a-closer-look-at-homeownership/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On the Radio with Laurence J. Kotlikoff</title>
		<link>http://target2025.com/on-the-radio-with-laurence-j-kotlikoff/</link>
		<comments>http://target2025.com/on-the-radio-with-laurence-j-kotlikoff/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 15:05:57 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[Dave Kittredge]]></category>
		<category><![CDATA[Dave Ng]]></category>
		<category><![CDATA[economist]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[Laurence Kotlikoff]]></category>
		<category><![CDATA[presidential election]]></category>
		<category><![CDATA[tax plan]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2918</guid>
		<description><![CDATA[Today on the Financial Impact Factor with Paul Petillo, Dave Kittredge and Dave Ng we have as our special guest Laurence J. Kotlikoff is a William Fairfield Warren Professor at Boston University, a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, and   President of Economic Security Planning, Inc., a company specializing in financial planning software. He is also the author of six books, the most recent “Jimmy Stewart is Dead – Ending the World's Ongoing Financial Plague with Limited Purpose Banking.

Professor Kotlikoff is running for President of the United States in the 2012 election. He is seeking the nomination of the advocacy group Americans Elect. <a href="http://target2025.com/on-the-radio-with-laurence-j-kotlikoff/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
		<wfw:commentRss>http://target2025.com/on-the-radio-with-laurence-j-kotlikoff/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Planning and the Worth of a College Education</title>
		<link>http://target2025.com/retirement-planning-and-the-worth-of-a-college-education/</link>
		<comments>http://target2025.com/retirement-planning-and-the-worth-of-a-college-education/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 18:49:28 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[401ks]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[older students]]></category>
		<category><![CDATA[retire plan]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2912</guid>
		<description><![CDATA[When you send your son or daughter off to college this year, the person sitting next to them in that lecture hall is more likely now than ever before to be your age, or close to it. If the rates of college borrowing are any indication, forty year olds and older are finding themselves back in school. While attending college has been touted most recently as a way to add ten-years to your life, or at least your mental health, these students are more interested on improving their chances at getting a job. Not a better one; any job. <a href="http://target2025.com/retirement-planning-and-the-worth-of-a-college-education/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On the Radio with Kathleen Burns Kingsbury</title>
		<link>http://target2025.com/on-the-radio-with-kathleen-burns-kingsbury/</link>
		<comments>http://target2025.com/on-the-radio-with-kathleen-burns-kingsbury/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 14:57:22 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[behavioral change]]></category>
		<category><![CDATA[Dave Kittredge]]></category>
		<category><![CDATA[Dave Ng]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[Kathleen Burns Kingsbury]]></category>
		<category><![CDATA[mindset]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[rich]]></category>
		<category><![CDATA[wealth psychology]]></category>
		<category><![CDATA[women and wealth]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2905</guid>
		<description><![CDATA[Today on the Financial Impact Factor (with Paul Petillo, Dave Kittredge and Dave Ng) we welcome Kathleen Burn Kingsbury, a wealth psychology expert and behavioral change specialist. She teaches financial services professionals how to connect, communicate, and collaborate more effectively with their clients to increase client retention and improve profitability. She is also the author of "Creating Wealth from the Inside Out" and the forthcoming book "Women and Wealth". <a href="http://target2025.com/on-the-radio-with-kathleen-burns-kingsbury/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
		<wfw:commentRss>http://target2025.com/on-the-radio-with-kathleen-burns-kingsbury/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On the Radio with Roger Wohlner</title>
		<link>http://target2025.com/on-the-radio-with-roger-wohlner/</link>
		<comments>http://target2025.com/on-the-radio-with-roger-wohlner/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 15:06:11 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[target date funds]]></category>
		<category><![CDATA[401(k) strategies]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Dave Kittredge]]></category>
		<category><![CDATA[Dave Ng]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[indexing]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[roger wohlner]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2900</guid>
		<description><![CDATA[Helping us sort through the complexity of investing, we are joined on Financial Impact Factor Radio with Paul Petillo, Dave Kittredge and Dave Ng by Roger Wohlner of US News and World Report and CFP to discuss among other things, target date funds, what kind of an investment they are and who is best suited to use them. <a href="http://target2025.com/on-the-radio-with-roger-wohlner/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Planning: The Time Value of Money</title>
		<link>http://target2025.com/retirement-planning-the-time-value-of-money/</link>
		<comments>http://target2025.com/retirement-planning-the-time-value-of-money/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 16:39:08 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[compounding]]></category>
		<category><![CDATA[concept of time]]></category>
		<category><![CDATA[contributions]]></category>
		<category><![CDATA[economics lesson]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[time]]></category>
		<category><![CDATA[time value of money]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2894</guid>
		<description><![CDATA[We've lost our sense of timing. Not in the genetic sense; we still follow the rhythms of our daily lives. Those patterns are intact. The loss of timing we are experiencing relates to the time value of money. According the economic question, posed in a number of different ways depending on how you might search for the term, asks the reader to answer: would you take X-number of dollars today or wait for a period of time to receive the same amount? <a href="http://target2025.com/retirement-planning-the-time-value-of-money/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Retirement Planning: A Cooking Lesson</title>
		<link>http://target2025.com/retirement-planning-a-cooking-lesson/</link>
		<comments>http://target2025.com/retirement-planning-a-cooking-lesson/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 14:25:32 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[401ks]]></category>
		<category><![CDATA[contribution to retirement]]></category>
		<category><![CDATA[contributions]]></category>
		<category><![CDATA[cooking lesson]]></category>
		<category><![CDATA[dreaming of retirement]]></category>
		<category><![CDATA[dreams of retirement]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[practice]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2878</guid>
		<description><![CDATA[There are numerous analogies floating about concerning what retirement is. For each of us it represents something different. Perhaps it is only a dream, distant and more or less unfathomable. For others, it might seem close and still too far enough away to embrace the concept that one day you might actually do something different. And for Baby Boomers, the path is much clearer, the distance much closer and the journey much easier to define. <a href="http://target2025.com/retirement-planning-a-cooking-lesson/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On Investing: Is Set-it-and-Forget-it a Strategy?</title>
		<link>http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/</link>
		<comments>http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 15:10:37 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[financial impact factor radio]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual Fund Investing]]></category>
		<category><![CDATA[Paul Petillo]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Profitable Investments]]></category>
		<category><![CDATA[Repercussions: A Retirement Review]]></category>
		<category><![CDATA[Retirement Planning Target 2025]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[401ks]]></category>
		<category><![CDATA[dollar cost averaging]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[index investing]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[set-it-and-forget-it]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2884</guid>
		<description><![CDATA[We have had numerous experts on the show who have suggested that indexing and using ETFs to index the marketplace is hands down the best way to approach the world of investing. In most instances, we view these types of investments as set-them-and-forget them. They offer a simple way to track the marketplace but also provide just enough confusion that using them as the whole of your retirement plan is now consider not only smart but at the same time suggest that it is foolish to construct a portfolio otherwise. <a href="http://target2025.com/on-investing-is-set-it-and-forget-it-a-strategy/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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