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	<title>Target 2025</title>
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	<link>http://target2025.com</link>
	<description>Retirement Planning in Less Time than You Think</description>
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		<item>
		<title>The Promise of Personal Finance</title>
		<link>http://target2025.com/the-promise-of-personal-finance/</link>
		<comments>http://target2025.com/the-promise-of-personal-finance/#comments</comments>
		<pubDate>Sat, 18 Feb 2012 13:21:17 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[debt]]></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[commentary]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[financial surveys]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2963</guid>
		<description><![CDATA[Improving your personal finances is much easier than you might imagine. So let's look at why your reflection is suggesting an overhaul in the first place. You can't avoid the idea that retirement or at least the time of retirement is closing in, often quickly. You can't dodge the fact that in order to retire at all, let alone comfortably, you need to set aside larger portions of your paycheck. No one has ever told anyone they are saving too much.  <a href="http://target2025.com/the-promise-of-personal-finance/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Planning: You are Confusing the Experts</title>
		<link>http://target2025.com/retirement-planning-you-are-confusing-the-experts/</link>
		<comments>http://target2025.com/retirement-planning-you-are-confusing-the-experts/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 14:16:13 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></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[risk]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[contribution to retirement]]></category>
		<category><![CDATA[dreaming of retirement]]></category>
		<category><![CDATA[dreams of retirement]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[practice]]></category>
		<category><![CDATA[praxis]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2956</guid>
		<description><![CDATA[Despite all of the information available, all of the advice and suggestions, all of the statistics and reports, you are are still confusing the experts about your approach to retirement planning. They can and do tell you to invest early and often, increase contributions, make sacrifices and build budgets. And yet, even as your efforts are put under the microscope of financial professionals, behavioral academics and students of the retirement planning process, you still continue to amaze and confuse. <a href="http://target2025.com/retirement-planning-you-are-confusing-the-experts/"> 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 Dr. Maggie Baker</title>
		<link>http://target2025.com/on-the-radio-with-dr-maggie-baker/</link>
		<comments>http://target2025.com/on-the-radio-with-dr-maggie-baker/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 15:13:56 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<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[risk]]></category>
		<category><![CDATA[women and business]]></category>
		<category><![CDATA[women and finances]]></category>
		<category><![CDATA[women and retirement]]></category>
		<category><![CDATA[Dave Kittredge]]></category>
		<category><![CDATA[Dr. Maggie Baker]]></category>
		<category><![CDATA[Financial Impact Factor Radio]]></category>
		<category><![CDATA[financial psychology]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[love and money]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2953</guid>
		<description><![CDATA[It's Valentine's Day when thoughts about love (and how much we can afford to show that love) enter into the conversation - sometimes. In fact, love and money, as much as they should be together, often are not.
 <a href="http://target2025.com/on-the-radio-with-dr-maggie-baker/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On Insurance, Retirement Planning and Crazy Thinking</title>
		<link>http://target2025.com/on-insurance-retirement-planning-and-crazy-thinking/</link>
		<comments>http://target2025.com/on-insurance-retirement-planning-and-crazy-thinking/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 16:30:58 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[commentary]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[insurance]]></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[wealth]]></category>
		<category><![CDATA[401(k) indexed universal life insurance]]></category>
		<category><![CDATA[cognitive overload]]></category>
		<category><![CDATA[crazy thinking]]></category>
		<category><![CDATA[guaranteed payments]]></category>
		<category><![CDATA[reptilian brain]]></category>
		<category><![CDATA[retire plan]]></category>
		<category><![CDATA[selling insurance products]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2947</guid>
		<description><![CDATA[The industry will begin to point out that a gradual transfer from a 401(k) now, while they are working will put those fears to bed. Yes, you will have to pay the taxes you owe (which is why they suggest withdrawing small amounts) and the 10% early withdrawal penalty. But they say this will free this group of the burden of wondering how well their portfolio is doing as they near the end. It guarantees a withdrawal rate and suggest that "an indexed universal life insurance policy will provide a tax-free income for life that does not vary." <a href="http://target2025.com/on-insurance-retirement-planning-and-crazy-thinking/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
		<wfw:commentRss>http://target2025.com/on-insurance-retirement-planning-and-crazy-thinking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Planning: Using Leverage to Fund Retirement Accounts</title>
		<link>http://target2025.com/retirement-planning-using-leverage-to-fund-retirement-accounts/</link>
		<comments>http://target2025.com/retirement-planning-using-leverage-to-fund-retirement-accounts/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 14:30:52 +0000</pubDate>
		<dc:creator>petillo</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[403(b)]]></category>
		<category><![CDATA[Boomers]]></category>
		<category><![CDATA[debt]]></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[social security]]></category>
		<category><![CDATA[target date funds]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[contributions to your retirement accounts]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[leveraging your home]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://target2025.com/?p=2944</guid>
		<description><![CDATA[And that equity in their homes, combined with the historically low interest rate environment has given many Baby Boomers a second option: to borrow against their homes and take the refinanced money and put into their retirement accounts. Is it a good idea or one that is bound to backfire? <a href="http://target2025.com/retirement-planning-using-leverage-to-fund-retirement-accounts/"> Continue reading <span class="meta-nav">&#8594; </span></a>]]></description>
		<wfw:commentRss>http://target2025.com/retirement-planning-using-leverage-to-fund-retirement-accounts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://target2025.com/sophistication-investing-mutual-funds-etfs-petillo/feed/</wfw:commentRss>
		<slash:comments>1</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>
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		<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>
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