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	<title>Financial Educational Seminars Network</title>
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	<description>Financial Education 24/7</description>
	<pubDate>Tue, 16 Jun 2009 01:44:10 +0000</pubDate>
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		<title>Considering Risk and Return in Your Investments</title>
		<link>http://fesnetwork.com/blog/?p=20</link>
		<comments>http://fesnetwork.com/blog/?p=20#comments</comments>
		<pubDate>Sat, 06 Jun 2009 01:43:44 +0000</pubDate>
		<dc:creator>cworrall</dc:creator>
		
		<category><![CDATA[investments]]></category>

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		<description><![CDATA[When you borrow money from a bank, they require you to pay it back over a certain time period. They also require you to pay interest, the amount over and above the principal that you borrowed. The bank expects the interest to exceed inflation, cover any costs of servicing the loan, and make a little [...]]]></description>
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		<title>Small Business Owners Retirement Plan Options - IRA Based Plans</title>
		<link>http://fesnetwork.com/blog/?p=15</link>
		<comments>http://fesnetwork.com/blog/?p=15#comments</comments>
		<pubDate>Fri, 22 May 2009 11:13:24 +0000</pubDate>
		<dc:creator>cworrall</dc:creator>
		
		<category><![CDATA[retirement planning]]></category>

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		<description><![CDATA[In general, if you are employed at a large company, you either have the option of a defined benefit program (otherwise known as a pension, now rare) or a defined contribution program (otherwise known as a 401k). If you run your own business, however, your options expand and the variety can be confusing.
The IRA-based plans [...]]]></description>
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		<title>What is an Annuity?</title>
		<link>http://fesnetwork.com/blog/?p=12</link>
		<comments>http://fesnetwork.com/blog/?p=12#comments</comments>
		<pubDate>Fri, 15 May 2009 19:13:37 +0000</pubDate>
		<dc:creator>cworrall</dc:creator>
		
		<category><![CDATA[retirement planning]]></category>

		<category><![CDATA[annuity]]></category>

		<category><![CDATA[insurance]]></category>

		<category><![CDATA[retirement]]></category>

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		<description><![CDATA[An annuity is a contract offered by an insurance company. An individual pays premiums to an insurance company, which may grow tax-deferred, and after a certain amount of time, the insurance company distributes income back to the individual. An annuity is defined as having an option the guaranteed distribution of income until the death of [...]]]></description>
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		<title>Using Your 401k to Its Fullest Advantage</title>
		<link>http://fesnetwork.com/blog/?p=8</link>
		<comments>http://fesnetwork.com/blog/?p=8#comments</comments>
		<pubDate>Fri, 08 May 2009 19:11:54 +0000</pubDate>
		<dc:creator>cworrall</dc:creator>
		
		<category><![CDATA[retirement planning]]></category>

		<category><![CDATA[401(k)]]></category>

		<category><![CDATA[retirement]]></category>

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		<description><![CDATA[Historically, your retirement savings were comprised of three legs: social security, pension, and personal savings. The belief was that these amounts would be equal and would replace a certain percentage of your working income to provide you with enough money to sustain your lifestyle after retirement.
Somewhere along the way in the last twenty or so [...]]]></description>
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		<title>Saving for Your Children’s Education</title>
		<link>http://fesnetwork.com/blog/?p=5</link>
		<comments>http://fesnetwork.com/blog/?p=5#comments</comments>
		<pubDate>Fri, 01 May 2009 19:06:40 +0000</pubDate>
		<dc:creator>cworrall</dc:creator>
		
		<category><![CDATA[college education]]></category>

		<category><![CDATA[finance]]></category>

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		<description><![CDATA[Saving for your children’s education is an often talked about topic among parents. The newspapers are full of stories expounding on the rising cost of college. The financial aid system and rules are complicated, as are the savings and gift rules. In Maryland, not only is college a worry, but many Maryland children attend private [...]]]></description>
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