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	<title>Leon On Dollars, Sense, &#38; Other Stuff</title>
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	<description>Common Talk &#38; Common Sense On Wealth Strategies, Money Matters &#38; Life</description>
	<lastBuildDate>Tue, 21 Feb 2012 05:31:37 +0000</lastBuildDate>
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		<title>Leon On Dollars, Sense, &amp; Other Stuff</title>
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	<itunes:summary>Common Talk &#38; Common Sense On Wealth Strategies, Money Matters &#38; Life</itunes:summary>
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	<itunes:author>Leon On Dollars, Sense, &#38; Other Stuff</itunes:author>
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		<itunes:name>Leon On Dollars, Sense, &#38; Other Stuff</itunes:name>
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		<item>
		<title>Insurance &amp; Retirement: What Your Investment Advisor Isn’t Telling you!</title>
		<link>http://leonsblog.leonwilliams.me/insurance-retirement-what-your-investment-advisor-isnt-telling-you/</link>
		<comments>http://leonsblog.leonwilliams.me/insurance-retirement-what-your-investment-advisor-isnt-telling-you/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 05:31:37 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Insurance-Estate Planning]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[WOW Asset Growth]]></category>
		<category><![CDATA[WOW Asset Protection]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[annuity laddering]]></category>
		<category><![CDATA[equity indexed annuity]]></category>
		<category><![CDATA[indexed annuities]]></category>
		<category><![CDATA[split annuities]]></category>
		<category><![CDATA[split annuity]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1086</guid>
		<description><![CDATA[We&#8217;ve all read about the recent surveys that tell us retirees are far more concerned with protecting their income than they are with maximizing their income by taking on the risk of higher earnings or yields on their savings and investments. That&#8217;s why fixed annuities are being purchased by more and more retirees, despite advisor [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. Government Responsible for Massive Mortgage Rate Increase</title>
		<link>http://leonsblog.leonwilliams.me/u-s-government-responsible-for-massive-mortgage-rate-increase/</link>
		<comments>http://leonsblog.leonwilliams.me/u-s-government-responsible-for-massive-mortgage-rate-increase/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:16:16 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Special Topics]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[WOW Debt]]></category>
		<category><![CDATA[WOW Income Growth]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[federal housing finance agency]]></category>
		<category><![CDATA[fhfa]]></category>
		<category><![CDATA[freddie mac]]></category>
		<category><![CDATA[g-fee]]></category>
		<category><![CDATA[g-fee increase]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[us government]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1075</guid>
		<description><![CDATA[War On Wealth Series - The congressionally mandated g-fee increases set to go into effect as of now, will artificially increase mortgage rates by more than 1/2 percent with some lenders. It will increase mortgage rates to some degree with all lenders. The Federal Housing Finance Administration (FHFA) has mandated an increase in the Fannie [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/u-s-government-responsible-for-massive-mortgage-rate-increase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Market Conditions Ending 2011 and Beyond</title>
		<link>http://leonsblog.leonwilliams.me/real-estate-market-conditions-ending-2011-and-beyond/</link>
		<comments>http://leonsblog.leonwilliams.me/real-estate-market-conditions-ending-2011-and-beyond/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 18:44:12 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Industry]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[statistics]]></category>
		<category><![CDATA[2011 housing market statistics]]></category>
		<category><![CDATA[2012 housing market statistics]]></category>
		<category><![CDATA[california real estate statistics]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[housing market update]]></category>
		<category><![CDATA[mba]]></category>
		<category><![CDATA[median list price]]></category>
		<category><![CDATA[mortgage bankers association]]></category>
		<category><![CDATA[nar report]]></category>
		<category><![CDATA[rate history]]></category>
		<category><![CDATA[real estate statistics]]></category>
		<category><![CDATA[sacramento real estate statistics]]></category>
		<category><![CDATA[us housing market downturn]]></category>

		<guid isPermaLink="false">http://sacramentoshortsaleguru.com/?p=563</guid>
		<description><![CDATA[As we enter 2012 what&#8217;s our assessment on the Real Estate Market ending 2011 and what can we look forward to in 2012. Here&#8217;s how real estate market conditions across our coverage area closed 2011: Median list price peaked in May and drifted back down to January 2011 levels by December; Interest rates managed to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dr. Martin Luther King Jr. &#8211; Somebody Told A Lie!</title>
		<link>http://leonsblog.leonwilliams.me/dr-martin-luther-king-jr-somebody-told-a-lie/</link>
		<comments>http://leonsblog.leonwilliams.me/dr-martin-luther-king-jr-somebody-told-a-lie/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 05:02:51 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Culture]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Ramblings]]></category>
		<category><![CDATA[AfricanAmerican]]></category>
		<category><![CDATA[Black History]]></category>
		<category><![CDATA[BlackAmerica]]></category>
		<category><![CDATA[BlackHeritage]]></category>
		<category><![CDATA[BlackIndependenceDay]]></category>
		<category><![CDATA[Civil Rights]]></category>
		<category><![CDATA[dr martin luther king jr]]></category>
		<category><![CDATA[Emancipation Proclamation]]></category>
		<category><![CDATA[famous speeches]]></category>
		<category><![CDATA[Freedom]]></category>
		<category><![CDATA[Independence Day]]></category>
		<category><![CDATA[martin luther king]]></category>
		<category><![CDATA[mlk]]></category>
		<category><![CDATA[Negro]]></category>
		<category><![CDATA[Slavery]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1059</guid>
		<description><![CDATA[&#160; But, as we say here, a day of Black Independence, a Declaration of our Freedom and celebration of our Black Heritage. A Black Independence Day. This is is a much lesser known speech from Dr. Martin Luther King Jr. We here at Black Independence Day came across this clip, and were in tears, for [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/dr-martin-luther-king-jr-somebody-told-a-lie/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
			<enclosure url="http://apps.attainresponse.com/video/life-financial-coach@comf5-com/1326773055857.mp4" length="6749192" type="video/mp4" />
	</item>
		<item>
		<title>What Are Roth IRAs, And How Are They Different From Traditional IRAs?</title>
		<link>http://leonsblog.leonwilliams.me/what-are-roth-iras-and-how-are-they-different-from-traditional-iras/</link>
		<comments>http://leonsblog.leonwilliams.me/what-are-roth-iras-and-how-are-they-different-from-traditional-iras/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 00:11:28 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[equity indexed life insurance]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[ira penalty]]></category>
		<category><![CDATA[ira withdeawal]]></category>
		<category><![CDATA[overfunded life insurance]]></category>
		<category><![CDATA[overfunded life insurance contracts]]></category>
		<category><![CDATA[roth ira]]></category>
		<category><![CDATA[tax consequences]]></category>
		<category><![CDATA[tax penalty]]></category>
		<category><![CDATA[traditional ira]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1034</guid>
		<description><![CDATA[The way they are funded and the rules governing withdrawing funds, are the major differences between a Roth IRA and a traditional IRA.   IRA Funding Traditional IRAs are funded with your income dollars before taxes have been withdrawn whereas, Roth IRAs are funded with your income dollars after taxes have been withdrawn. IRA Withdrawals [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/what-are-roth-iras-and-how-are-they-different-from-traditional-iras/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Can I Improve My 401k</title>
		<link>http://leonsblog.leonwilliams.me/how-can-i-improve-my-401k/</link>
		<comments>http://leonsblog.leonwilliams.me/how-can-i-improve-my-401k/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 05:22:39 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k investment]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[indexed universal life insurance]]></category>
		<category><![CDATA[overfunded life insurance]]></category>
		<category><![CDATA[overfunded life insurance contracts]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1023</guid>
		<description><![CDATA[401(k)&#8217;s were billed by the government and corporations as one of the most powerful tools you have to save for retirement. 401(k)&#8217;s are offered through employers and can be contributory or noncontributory.In addition to saving for retirement they were billed as one of the best tax shelters that our federal government has ever managed to [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/how-can-i-improve-my-401k/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Are Self-Employed 401(k) Plans?</title>
		<link>http://leonsblog.leonwilliams.me/what-are-self-employed-401k-plans/</link>
		<comments>http://leonsblog.leonwilliams.me/what-are-self-employed-401k-plans/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:00:26 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[form 5500]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[irs form 5500]]></category>
		<category><![CDATA[overfund life contracts]]></category>
		<category><![CDATA[overfunded life insurance]]></category>
		<category><![CDATA[overfunded life insurance contracts]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[self-employed 401(k)]]></category>
		<category><![CDATA[self-employed retirement plan]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=1007</guid>
		<description><![CDATA[The self-employed 401(k) plan was designed for self-employed people who have no employees, other than their spouses, working for them. The 401(k) is promoted as one of the most powerful tools you have to save for retirement. These instruments are offered through employers and can be contributory or noncontributory. In addition to enabling you to [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/what-are-self-employed-401k-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Are Key Features Of Simplified Employer Pension Plans (SEP) Plans?</title>
		<link>http://leonsblog.leonwilliams.me/what-are-key-features-of-simplified-employer-pension-plans-sep-plans/</link>
		<comments>http://leonsblog.leonwilliams.me/what-are-key-features-of-simplified-employer-pension-plans-sep-plans/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 15:00:51 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[WOW Income Growth]]></category>
		<category><![CDATA[WOW Taxes]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[irs]]></category>
		<category><![CDATA[overfunded life contract]]></category>
		<category><![CDATA[overfunded life insurance]]></category>
		<category><![CDATA[overfunded life insurance contracts]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[sep]]></category>
		<category><![CDATA[Simplified Employer Pension Plans]]></category>
		<category><![CDATA[tax-deductible]]></category>
		<category><![CDATA[tax-deferred]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=994</guid>
		<description><![CDATA[As I mentioned in an earlier post, a Simplified Employee Pension Plan, is a retirement plan specifically designed for small-business owners and self-employed individuals. These plans work even if you are the only employee, as the rules are the same.  Don&#8217;t Forget To Check Out &#8220;Maximizing The Bank Of You Concept&#8221; &#160; Key features include: [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/what-are-key-features-of-simplified-employer-pension-plans-sep-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Are Simplified Employee Pension Plans?</title>
		<link>http://leonsblog.leonwilliams.me/what-are-simplified-employee-pension-plans/</link>
		<comments>http://leonsblog.leonwilliams.me/what-are-simplified-employee-pension-plans/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:00:07 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[WOW Income Growth]]></category>
		<category><![CDATA[WOW Taxes]]></category>
		<category><![CDATA[individual retirement account]]></category>
		<category><![CDATA[investopedia]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[overfunded insurance]]></category>
		<category><![CDATA[overfunded life insurance]]></category>
		<category><![CDATA[overfunded life insurance contracts]]></category>
		<category><![CDATA[sel-employed]]></category>
		<category><![CDATA[sep]]></category>
		<category><![CDATA[SEP plan]]></category>
		<category><![CDATA[Simplified Employee Pension Plans]]></category>
		<category><![CDATA[tax-deductible]]></category>
		<category><![CDATA[tax-deductible contribution]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=983</guid>
		<description><![CDATA[Don&#8217;t Forget To Check Out &#8220;Maximizing The Bank Of You Concept&#8221; Simplified Employee Pension Plans (SEP), are retirement plans designed for small-business owners and slef-employed individuals. Employers can make tax-deductible contributions on behalf of their employees because the plan is based on an IRA. That means, if you are eligible, you will not pay taxes [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/what-are-simplified-employee-pension-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Be Debt Free Today &#8211; Budgeting Solutions For Personal Finance Dilemmas</title>
		<link>http://leonsblog.leonwilliams.me/be-debt-free-today-budgeting-solutions-for-personal-finance-dilemmas/</link>
		<comments>http://leonsblog.leonwilliams.me/be-debt-free-today-budgeting-solutions-for-personal-finance-dilemmas/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 18:48:44 +0000</pubDate>
		<dc:creator>Leon Williams</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card bills]]></category>
		<category><![CDATA[credit card loan]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[payy off debt]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://leonsblog.leonwilliams.me/?p=969</guid>
		<description><![CDATA[Don&#8217;t Forget To Check Out &#8220;Maximizing The Bank Of You Concept&#8221; Do you want to be debt free today?  If you have the money in the bank, of course, you can pay off all of your bills.  However, for most of us, being debt free today is more of a mentality than a reality. Being [...]]]></description>
		<wfw:commentRss>http://leonsblog.leonwilliams.me/be-debt-free-today-budgeting-solutions-for-personal-finance-dilemmas/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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