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	<title>Money Finesse - Personal Finance in the USA &#187; Retirement</title>
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	<link>http://www.moneyfinesse.com</link>
	<description>Money Finesse - Personal Finance in the USA</description>
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		<title>Early Retirement and Benefits Reductions</title>
		<link>http://www.moneyfinesse.com/2006/09/08/early-retirement-benefits-reductions/</link>
		<comments>http://www.moneyfinesse.com/2006/09/08/early-retirement-benefits-reductions/#comments</comments>
		<pubDate>Fri, 08 Sep 2006 11:24:12 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Benefits]]></category>
		<category><![CDATA[Early Retirement]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Does early retirement appeal to you? Are you counting on your Social Security benefits as all or part of your retirement income? Then understanding the effect that early retirement has on your benefits is essential. Regardless of what year you were born, you can retire at age 62 and receive Social Security benefits. But your [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>The Pension Protection Act of 2006</title>
		<link>http://www.moneyfinesse.com/2006/08/22/the-pension-protection-act-of-2006/</link>
		<comments>http://www.moneyfinesse.com/2006/08/22/the-pension-protection-act-of-2006/#comments</comments>
		<pubDate>Tue, 22 Aug 2006 11:57:29 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Pension Protection Act]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[On August 18th, President Bush signed into law The Pension Protection Act of 2006. This bi-partisan bill brings sweeping reform to America&#8217;s pension laws in an attempt to ensure millions of Americans a more secure retirement. With more Americans reaching retirement age and the millions of Baby Boomers approaching retirement age, this legislation is aimed [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Choosing the Right Reverse Mortgage</title>
		<link>http://www.moneyfinesse.com/2006/08/19/choosing-the-right-reverse-mortgage/</link>
		<comments>http://www.moneyfinesse.com/2006/08/19/choosing-the-right-reverse-mortgage/#comments</comments>
		<pubDate>Sat, 19 Aug 2006 13:12:06 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[There are three basic types of reverse mortgages: 1. Single-purpose reverse mortgages offered by state and local government agencies or nonprofit organizations. These usually have low costs but are only available for the purpose specified, such as home repairs and improvements or property taxes. Low income applicants usually qualify for this type of loan. 2. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Features and Fees of Reverse Mortgages</title>
		<link>http://www.moneyfinesse.com/2006/08/18/features-and-fees-of-reverse-mortgages/</link>
		<comments>http://www.moneyfinesse.com/2006/08/18/features-and-fees-of-reverse-mortgages/#comments</comments>
		<pubDate>Fri, 18 Aug 2006 12:08:49 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[As stated before, income is not generally a consideration in a reverse mortgage, the loan is against the equity of your house. As you take loan advances, your equity decreases. However, most reverse mortgages contain a nonrecourse clause that prevents the lender from collecting any more than the value of your home as repayment for [...]]]></description>
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