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<title>Steven Stanganelli - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Steven_Stanganelli</link>
<pubDate>Wed, 15 Feb 2012 05:52:11 -0600</pubDate>
<image><title>Steven Stanganelli - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Steve Stanganelli, CFP(R), CRPC(R) is the principal of Clear View Wealth Advisors, LLC, an independent fee-only financial planning and investment advisory firm with offices in Amesbury, Woburn and Wilmington, Massachusetts. Steve is a five-star rated Paladin Registry adviser who specializes in working with retirees as well as business and property owners. His practice includes retirement income planning, divorce settlement analysis, college funding and asset protection for business owners, hi-tech professionals and members of the allied health professions. Steve earned his Masters in Finance (Financial Planning focus) from Bentley University with high honors. Steve holds the CERTIFIED FINANCIAL PLANNER (tm) and ... ]]></description>
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<title>Taming the Bear: Are Bonds A Safe Place to Be?</title>
<link>http://EzineArticles.com/6473648</link>
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<pubDate>Fri, 12 Aug 2011 10:14:27 -0500</pubDate>
<description><![CDATA[With all the talk about credit crises, debt limits and Quantitative Easing, bond investors may be spooked. Use these strategies to help protect your fixed income investments from a potential bear market.]]></description>
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<item>
<title>529 Plans for College: Do The Numbers Add Up?</title>
<link>http://EzineArticles.com/6473680</link>
<guid>http://EzineArticles.com/6473680</guid>
<pubDate>Fri, 12 Aug 2011 08:58:32 -0500</pubDate>
<description><![CDATA[There are lots of ways to help lessen the pain of writing that college tuition check. College savings plans have been promoted as one option. But do the numbers add up and will they be right for you?]]></description>
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<item>
<title>Coping With Change: The Tax and Financial Impact of Divorce on Your Fiscal Health</title>
<link>http://EzineArticles.com/5559565</link>
<guid>http://EzineArticles.com/5559565</guid>
<pubDate>Fri, 07 Jan 2011 13:02:10 -0600</pubDate>
<description><![CDATA[Divorce is emotionally traumatic on everyone involved especially if there are children. While it may seem mundane, dealing with the money and tax issues that arise from the unwinding of a life together is as important for both psychic and fiscal sanity. And it's important for you to build a sound financial foundation for the next stage of your life's journey.]]></description>
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<item>
<title>Creating a Paycheck for Retirement - A Series on Retirement Income Planning</title>
<link>http://EzineArticles.com/5325003</link>
<guid>http://EzineArticles.com/5325003</guid>
<pubDate>Tue, 09 Nov 2010 16:02:07 -0600</pubDate>
<description><![CDATA[Investing for retirement income can be different than investing during your working years. It's not all about how much you make but how you manage the cash flow. Using these lessons learned from corporate finance and endowments may help you stay on course.]]></description>
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<item>
<title>Divorce for Seniors: The Impact on Social Security Benefits</title>
<link>http://EzineArticles.com/5324567</link>
<guid>http://EzineArticles.com/5324567</guid>
<pubDate>Mon, 08 Nov 2010 08:57:34 -0600</pubDate>
<description><![CDATA[Divorce can have a profound impact on your future retirement income and benefits. If you are divorced or thinking about it, you should know how divorce will impact your eligibility for Social Security benefits.]]></description>
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<item>
<title>Paying for College: A Gift That Keeps On Giving - Helpful Strategies for Grandparents to Lend a Hand</title>
<link>http://EzineArticles.com/5325191</link>
<guid>http://EzineArticles.com/5325191</guid>
<pubDate>Mon, 08 Nov 2010 08:29:49 -0600</pubDate>
<description><![CDATA[There is a saying that to raise a child takes a village. It also takes money. Some reports indicate that the cost of raising a child today through high school graduation for a dual-income family is just about $250,000. What can you do to lessen the burden on financing college without cracking your own retirement nest egg?]]></description>
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<title>Keeping Your Financial Wits When Breaking Up: 11 Critical Financial Mistakes to Avoid in Divorce</title>
<link>http://EzineArticles.com/5172331</link>
<guid>http://EzineArticles.com/5172331</guid>
<pubDate>Thu, 14 Oct 2010 16:51:33 -0500</pubDate>
<description><![CDATA[Divorce is an emotional time as a lifetime built together is unwound and separated. It is a vulnerable time as feelings of hurt, anger and depression can cloud judgment leading to critical financial mistakes in divorce that can negatively impact the new path chosen. Avoid being a financial victim by keeping these tips in mind.]]></description>
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<item>
<title>Convertible Bonds: Hybrid Bond Lets You Get Paid to Wait While Reducing Some Risks</title>
<link>http://EzineArticles.com/5171972</link>
<guid>http://EzineArticles.com/5171972</guid>
<pubDate>Thu, 14 Oct 2010 15:27:13 -0500</pubDate>
<description><![CDATA[Convertible bonds are a hybrid investment vehicle that helps investors increase income, protect principal and lower the risks of stock investing - an ideal way to add some protection to a retirement income portfolio. Offering a hedge for inflation and rising interest rates, they are one way to help make a bond portfolio inflation-resistant. For those afraid of risk consider this: Staying out of stocks may mean missing a rally while buying in may mean getting hit if there's a crash. Convertibles let investors have it both ways allowing them a chance to get their money back with interest or earn a bonus from stock market gains.]]></description>
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<item>
<title>Credit Cards, Banks and New Federal Rules - Making the Most of the Plastic in Your Pocket</title>
<link>http://EzineArticles.com/3869161</link>
<guid>http://EzineArticles.com/3869161</guid>
<pubDate>Thu, 04 Mar 2010 22:45:03 -0600</pubDate>
<description><![CDATA[Can't live with them. Can't live without them. No, it's not your spouse. It's the plastic in your wallet. New credit card rules can burn a hole in your budget. Now with recent legislative changes resulting from the Credit CARD Act of 2009 having taken effect in February, it's time to reassess and make the most of them while avoiding any nasty bites from behind.]]></description>
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<item>
<title>Deflation? Inflation? Portfolio Construction and Lessons From the Three Little Pigs</title>
<link>http://EzineArticles.com/3864059</link>
<guid>http://EzineArticles.com/3864059</guid>
<pubDate>Thu, 04 Mar 2010 16:12:29 -0600</pubDate>
<description><![CDATA[Just as the roots of a recovery from the Great Recession are becoming more evident, there's another threat on the horizon. First, there's been talk of the threat of inflation. But an equally troubling threat from deflation is also worrying. What's an investor to do now to help stay on track for retirement? Let's take a look at how best to position yourself to protect your wealth now through retirement and prepare for both.]]></description>
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<title>Tax Gifts to Real Estate Owners</title>
<link>http://EzineArticles.com/3404858</link>
<guid>http://EzineArticles.com/3404858</guid>
<pubDate>Fri, 11 Dec 2009 19:23:47 -0600</pubDate>
<description><![CDATA[Is real estate still a good investment? As a landlord dealing with sometimes rowdy tenants or unexpected repairs, you may wonder whether or not it's still worth it. Despite these headaches and the ongoing doom and gloom reported about real estate prices, owning investment real estate continues to provide a number of benefits.]]></description>
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<title>Skip the Allowance and Employ Your Kid</title>
<link>http://EzineArticles.com/3404867</link>
<guid>http://EzineArticles.com/3404867</guid>
<pubDate>Fri, 11 Dec 2009 16:48:23 -0600</pubDate>
<description><![CDATA[Do you own investment real estate or a business? Considering buying a rental property or starting a business? Have kids going to college in a few years? Use these legal tax loopholes to lower your taxes and help your children save for college.]]></description>
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<title>2010 Real Estate Investment Outlook and Perspective</title>
<link>http://EzineArticles.com/3405107</link>
<guid>http://EzineArticles.com/3405107</guid>
<pubDate>Fri, 11 Dec 2009 10:53:54 -0600</pubDate>
<description><![CDATA[As real estate goes, so goes the nation. There's no doubt that the meltdown of real estate and credit markets has brought personal net worth down and hobbled global economic conditions for billions of people. So what's in store for real estate markets in the upcoming year? How will real estate trends affect your personal bottom line?]]></description>
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<title>Take Control of Your Retirement - Discover the Power of Self-Directed IRA's</title>
<link>http://EzineArticles.com/3313847</link>
<guid>http://EzineArticles.com/3313847</guid>
<pubDate>Wed, 25 Nov 2009 14:20:53 -0600</pubDate>
<description><![CDATA[Looking for a way to control your own destiny and retirement dreams? Then get in on the "secret" that puts you in charge of your old IRA in new ways that may help your personal bottom line. You'll never look at your old IRA the same way when you discover the power of self-directed IRAs that put you in charge of the opportunities to invest in everything real estate. These "rules of the road" may help you avoid IRS problems as you use alternative investments to put your retirement nest egg back together again.]]></description>
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<title>The Social Security Dilemma - When to Start Looking For Ways to Increase Lifetime Benefits?</title>
<link>http://EzineArticles.com/3050763</link>
<guid>http://EzineArticles.com/3050763</guid>
<pubDate>Mon, 23 Nov 2009 15:12:36 -0600</pubDate>
<description><![CDATA[When should someone start collecting Social Security benefits? When approaching retirement, there is no question that is more often asked and the path chosen will have long-term impact.]]></description>
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<title>Inflation and the Rising Tide - Protecting Your Assets From the Storm</title>
<link>http://EzineArticles.com/3182509</link>
<guid>http://EzineArticles.com/3182509</guid>
<pubDate>Wed, 04 Nov 2009 11:29:35 -0600</pubDate>
<description><![CDATA[Inflation in a recession? Why you need to be concerned about it and how you can protect yourself and retirement pay check.]]></description>
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<title>Gone Phishing</title>
<link>http://EzineArticles.com/2825945</link>
<guid>http://EzineArticles.com/2825945</guid>
<pubDate>Mon, 28 Sep 2009 11:39:55 -0500</pubDate>
<description><![CDATA[During these last lazy days of summer, a fishing trip might seem like a great idea as a favorite past time for many. But beware of other types of 'phishermen' on 'phishing expeditions' ready to steal your personal identity and wreak havoc on your personal finances. With a little effort, you can protect yourself and not become bait for an unwanted 'phisherman.']]></description>
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<title>Lowering Your Medical &amp; Dependent Care Costs With Uncle Sam's Help - Using Flexible Savings Accounts</title>
<link>http://EzineArticles.com/2867169</link>
<guid>http://EzineArticles.com/2867169</guid>
<pubDate>Wed, 23 Sep 2009 15:59:16 -0500</pubDate>
<description><![CDATA[Many people may be familiar with the Dependent Care flexible spending programs offered by employers. However, not as many people are necessarily as familiar with the medical FSAs that many employers also offer. They are very similar in concept but with a few subtle and important differences that can help you improve your personal bottom line.]]></description>
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<title>Beware the Siren Call - Using Equity-Indexed Annuities - Handle With Care</title>
<link>http://EzineArticles.com/2866656</link>
<guid>http://EzineArticles.com/2866656</guid>
<pubDate>Mon, 21 Sep 2009 09:43:18 -0500</pubDate>
<description><![CDATA[Who wouldn't want to have the perfect investment - one that guarantees a minimum return, participates with increases in the stock market and never goes down? Be careful what you wish for. Better yet, look before you leap.]]></description>
</item>
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<title>Paying For College Without Going Broke, Part 2 - Increasing Your Chances For Student Financial Aid</title>
<link>http://EzineArticles.com/2312905</link>
<guid>http://EzineArticles.com/2312905</guid>
<pubDate>Fri, 08 May 2009 14:26:27 -0500</pubDate>
<description><![CDATA[Spring is in the air and soon high school graduation caps will be too. But it is never too early or late to plan for the next step in a child's education career. Deciding on a college or other post-secondary vocation school is based on a number of factors. But it should be clear that this is as much a business decision as anything else.]]></description>
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<title>Pay For College Without Busting Your Retirement Nest Egg</title>
<link>http://EzineArticles.com/2112465</link>
<guid>http://EzineArticles.com/2112465</guid>
<pubDate>Mon, 23 Mar 2009 16:07:27 -0500</pubDate>
<description><![CDATA[Paying for college is a daunting challenge. How you pay for it will impact your retirement. Regardless of where you send your kids to school, the bottom-line fact is this - How you pay for college impacts how much you save for retirement. For every dollar that you save on college costs means more for your personal retirement down the road. With proper coordinated planning, you can maximize your savings and investments, use proven strategies that will help avoid crushing student debt and use the IRS to help pay for college.]]></description>
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<title>Divorce - First Steps to a Fresh Start</title>
<link>http://EzineArticles.com/2059373</link>
<guid>http://EzineArticles.com/2059373</guid>
<pubDate>Fri, 20 Mar 2009 15:56:47 -0500</pubDate>
<description><![CDATA[When love goes wrong, there are a host of money pitfalls and potholes on the road to and from the courthouse. When one door closes in life, another door opens. A divorce represents both an ending and a beginning. A fresh start requires a solid plan to get back on track. Starting here may help.]]></description>
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<title>Exchange Traded Funds - 8 Ways to Improve Your Portfolio With ETFs</title>
<link>http://EzineArticles.com/2085696</link>
<guid>http://EzineArticles.com/2085696</guid>
<pubDate>Tue, 17 Mar 2009 15:14:41 -0500</pubDate>
<description><![CDATA[While the market for open-end mutual funds is huge, the market for ETFs is large and poised for growth that may rival them. As of 2006 there was approximately $600 billion invested and Morgan Stanley predicts that more than$2 trillion will be invested through ETFs by 2011. Why are these investment vehicles becoming so popular? How can an individual investor use these to implement a cost-efficient diversified investment portfolio? Smart investors should get ahead of the curve and be prepared to profit.]]></description>
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