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	<title>Lifestyle  Insurance and Financial</title>
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		<title>Lifestyle  Insurance and Financial</title>
		<link>http://annuityunit.wordpress.com</link>
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		<item>
		<title>Walk Away From Your Mortgage</title>
		<link>http://annuityunit.wordpress.com/2010/01/13/walk-away-from-your-mortgage/</link>
		<comments>http://annuityunit.wordpress.com/2010/01/13/walk-away-from-your-mortgage/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 15:33:13 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Housing Collapse]]></category>
		<category><![CDATA[Loan Default]]></category>
		<category><![CDATA[Loan Modifications]]></category>
		<category><![CDATA[Underwater Mortgage]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=105</guid>
		<description><![CDATA[John Courson, president and C.E.O. of the Mortgage Bankers Association, recently told The Wall Street Journal that homeowners who default on their mortgages should think about the “message” they will send to “their family and their kids and their friends.” Courson was implying that homeowners — record numbers of whom continue to default — have [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=105&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>2010: Storm Clouds Looming</title>
		<link>http://annuityunit.wordpress.com/2010/01/13/2010-storm-clouds-looming/</link>
		<comments>http://annuityunit.wordpress.com/2010/01/13/2010-storm-clouds-looming/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 15:08:59 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Accounting Fraud]]></category>
		<category><![CDATA[Financial Reform]]></category>
		<category><![CDATA[Glass Steagall Act]]></category>
		<category><![CDATA[Government Debt Downgrade]]></category>
		<category><![CDATA[Monetary Expansion]]></category>
		<category><![CDATA[Quantitative Easing]]></category>
		<category><![CDATA[Russian Natural Gas]]></category>
		<category><![CDATA[Saudi Royals]]></category>
		<category><![CDATA[TARP]]></category>
		<category><![CDATA[weimar republic]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=100</guid>
		<description><![CDATA[The year 2008 bore my mark as the year the system broke. A public article addressed the issues, laid out before the breakdown occurred in September of that year. The consequences for the many failures, the desperate nationalizations, the hasty scrambles to put financial sewage under USGovt ownership, the realization of TARP as a vast [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=100&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">optimal</media:title>
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		<item>
		<title>Spiraling towards Depression: This is our Historic Moment</title>
		<link>http://annuityunit.wordpress.com/2009/07/06/spiraling-towards-depression-this-is-our-historic-moment/</link>
		<comments>http://annuityunit.wordpress.com/2009/07/06/spiraling-towards-depression-this-is-our-historic-moment/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 13:04:55 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[401(k)]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Bear Market]]></category>
		<category><![CDATA[Bubble Economy]]></category>
		<category><![CDATA[Capital Gains]]></category>
		<category><![CDATA[Cyclical Pattern]]></category>
		<category><![CDATA[Debt Leveraging]]></category>
		<category><![CDATA[Economic Upheaval]]></category>
		<category><![CDATA[Financial Sector]]></category>
		<category><![CDATA[Greek Tragedy]]></category>
		<category><![CDATA[Oligarch]]></category>
		<category><![CDATA[Recapitalization]]></category>
		<category><![CDATA[Recovery]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[weimar republic]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=97</guid>
		<description><![CDATA[There&#8217;s a big difference between inventory-driven recessions and credit-driven recessions. An inventory recession is caused by a mismatch between supply and demand. It&#8217;s the result of overcapacity and under-utilization which can only work itself out over time as inventories are pared back and demand builds. Credit-driven recessions are a different story altogether. They typically last [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=97&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Retirement Plan Cost Sharing: How Much Do You Pay?</title>
		<link>http://annuityunit.wordpress.com/2009/06/30/retirement-plan-cost-sharing-how-much-do-you-pay/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/30/retirement-plan-cost-sharing-how-much-do-you-pay/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 15:17:53 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[401(k)]]></category>
		<category><![CDATA[AB Trust]]></category>
		<category><![CDATA[Administrative Costs]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Bear Market]]></category>
		<category><![CDATA[Buy/Sell Strategy]]></category>
		<category><![CDATA[Capital Gains]]></category>
		<category><![CDATA[College Funds]]></category>
		<category><![CDATA[Debt Leveraging]]></category>
		<category><![CDATA[Defined Contribution Savings Plans]]></category>
		<category><![CDATA[Deregulation]]></category>
		<category><![CDATA[Excise Tax]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Financial Sector]]></category>
		<category><![CDATA[Living Trust]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Recapitalization]]></category>
		<category><![CDATA[Recovery]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Revenue Sharing]]></category>
		<category><![CDATA[Tax Incentive]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=95</guid>
		<description><![CDATA[If the issue of revenue sharing by mutual funds in 401(k) plans hasn&#8217;t gotten your attention, consider this: It may mean you are paying far more to support your retirement plan&#8217;s back-office costs than the person sitting next to you. &#8220;Revenue sharing,&#8221; a controversial aspect of many companies&#8217; defined-contribution savings plans, involves using money some [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=95&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Guidelines When Buying Individual Health Insurance Policies</title>
		<link>http://annuityunit.wordpress.com/2009/06/30/guidelines-when-buying-individual-health-insurance-policies/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/30/guidelines-when-buying-individual-health-insurance-policies/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 15:14:01 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Disability Insurance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Group Health Insurance]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=93</guid>
		<description><![CDATA[The sour economy is prodding more Americans to buy their own health insurance, a daunting task for people not prepared to navigate the possible pitfalls. Tina Smith, who owns a residential-cleaning service with her husband in Lyndhurst, Ohio, was seeking to lower her premiums when she bought an Assurant Inc. policy from an agent who [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=93&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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	</item>
		<item>
		<title>A 20-Year Bear Market?</title>
		<link>http://annuityunit.wordpress.com/2009/06/30/a-20-year-bear-market/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/30/a-20-year-bear-market/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 15:10:44 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Bear Market]]></category>
		<category><![CDATA[Bubble Economy]]></category>
		<category><![CDATA[Cyclical Pattern]]></category>
		<category><![CDATA[Economic Upheaval]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Fourth Turning]]></category>
		<category><![CDATA[Generational Aging]]></category>
		<category><![CDATA[Green Shoots]]></category>
		<category><![CDATA[Millennial Generation]]></category>
		<category><![CDATA[Recovery]]></category>
		<category><![CDATA[Secular Crisis]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=91</guid>
		<description><![CDATA[Neil Howe and the late William Strauss have written many books on how generations determine the course of history and how they will shape America&#8217;s future. Their forecasts on a wide variety of indicators have turned out to be amazingly accurate. They were among the first to predict (back in the late 1980s) the rise [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=91&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">optimal</media:title>
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	</item>
		<item>
		<title>Estate Planning to Meet Your Needs</title>
		<link>http://annuityunit.wordpress.com/2009/06/06/estate-planning-to-meet-your-needs/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/06/estate-planning-to-meet-your-needs/#comments</comments>
		<pubDate>Sun, 07 Jun 2009 00:47:28 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[401(k)]]></category>
		<category><![CDATA[AB Trust]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Business Overhead Expense]]></category>
		<category><![CDATA[Buy/Sell Strategy]]></category>
		<category><![CDATA[Capital Gains]]></category>
		<category><![CDATA[College Funds]]></category>
		<category><![CDATA[Debt Leveraging]]></category>
		<category><![CDATA[Disability Insurance]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Living Trust]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Probate]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=89</guid>
		<description><![CDATA[Estate planning is highly misunderstood.  It is perceived as something that only the wealthy need to focus on.  But in actuality, everybody needs to plan for the future. Planning ahead is not only financially prudent, but it also helps you to develop a “blue print” to follow for future needs. Through such planning, you may [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=89&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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			<media:title type="html">optimal</media:title>
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	</item>
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		<title>Life Settlement Sales May Be Taxed as Capital Gains, IRS Rules</title>
		<link>http://annuityunit.wordpress.com/2009/06/06/life-settlement-sales-may-be-taxed-as-capital-gains-irs-rules/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/06/life-settlement-sales-may-be-taxed-as-capital-gains-irs-rules/#comments</comments>
		<pubDate>Sun, 07 Jun 2009 00:43:56 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Capital Gains]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Life Settlement]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=87</guid>
		<description><![CDATA[Seniors who sell their life insurance policies in the life settlement market may be able to treat a portion of the proceeds as capital gains rather than ordinary income, according to an Internal Revenue Service ruling. The ruling last month follows a request by Senator Herbert Kohl, a Democrat from Wisconsin who is chairman of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=87&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<item>
		<title>How Living Trusts Avoid Probate</title>
		<link>http://annuityunit.wordpress.com/2009/06/06/how-living-trusts-avoid-probate/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/06/how-living-trusts-avoid-probate/#comments</comments>
		<pubDate>Sun, 07 Jun 2009 00:40:50 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[AB Trust]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Buy/Sell Strategy]]></category>
		<category><![CDATA[Disability Insurance]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Living Trust]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Probate]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://annuityunit.wordpress.com/?p=85</guid>
		<description><![CDATA[Here&#8217;s the lowdown on basic probate-avoiding living trusts. Most people want to leave as much of their money to their children, or other heirs, as possible &#8212; and want to avoid a big chunk of that money going to probate lawyers. That&#8217;s where living trusts come in &#8212; they can eliminate the need for probate [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=85&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>The Simple Will: No Frills, No Fuss, No Anxiety</title>
		<link>http://annuityunit.wordpress.com/2009/06/06/the-simple-will-no-frills-no-fuss-no-anxiety/</link>
		<comments>http://annuityunit.wordpress.com/2009/06/06/the-simple-will-no-frills-no-fuss-no-anxiety/#comments</comments>
		<pubDate>Sun, 07 Jun 2009 00:35:39 +0000</pubDate>
		<dc:creator>optimal</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Retirement Planning]]></category>

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		<description><![CDATA[A basic will may be all you need. You’ve heard that if you do nothing else to take care of your legal affairs, you should write a will, and it’s pretty good advice. If you don&#8217;t make a will before your death, state law will determine who gets your property and a judge may decide [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=annuityunit.wordpress.com&amp;blog=7276188&amp;post=83&amp;subd=annuityunit&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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