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	<title>Cenla Focus &#187; Financial</title>
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	<description>The Community Lifestyle/Business Profile Journal of CenLA</description>
	<lastBuildDate>Wed, 11 Jan 2012 21:41:40 +0000</lastBuildDate>
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		<title>Mom and Dad</title>
		<link>http://www.cenlafocus.com/financial/mom-and-dad/</link>
		<comments>http://www.cenlafocus.com/financial/mom-and-dad/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 21:27:12 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2554</guid>
		<description><![CDATA[In recent months, there has been a surplus of articles concerning couples approaching retirement age who suddenly realize that a significant part of their time, and perhaps treasure, may be devoted to caring for their parents who can no longer care for themselves. Because families tend to be more spread out geographically than in the [...]]]></description>
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		<title>Umbrella vs Excess Coverage</title>
		<link>http://www.cenlafocus.com/financial/umbrella-vs-excess-coverage/</link>
		<comments>http://www.cenlafocus.com/financial/umbrella-vs-excess-coverage/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 21:26:07 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2553</guid>
		<description><![CDATA[A traditional umbrella offers broader protection, supplementing primary policies and handling a variety of other, less common losses. For instance, you may have to go to court after being accused of slandering another person. The liability section of your homeowners policy may not cover this type of loss, called personal injury. An umbrella policy might [...]]]></description>
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		<title>A Game Changer: New Estate and Gift Tax Laws</title>
		<link>http://www.cenlafocus.com/financial/a-game-changer-new-estate-and-gift-tax-laws/</link>
		<comments>http://www.cenlafocus.com/financial/a-game-changer-new-estate-and-gift-tax-laws/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 21:24:36 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2552</guid>
		<description><![CDATA[Many of us spent our childhood years playing sports and games. An important part of our development was learning the rules. Once we understood the rules, we could develop creative strategies for winning. When the rules changed, our strategies needed to adapt. Estate planning is no different. Late in 2010, President Obama signed into law [...]]]></description>
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		<title>How To Stretch and Protect Your Retirement After You’re Gone</title>
		<link>http://www.cenlafocus.com/financial/how-to-stretch-and-protect-your-retirement-after-you%e2%80%99re-gone/</link>
		<comments>http://www.cenlafocus.com/financial/how-to-stretch-and-protect-your-retirement-after-you%e2%80%99re-gone/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 13:00:28 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2519</guid>
		<description><![CDATA[Wow! The response to our introduction of the IRA Protection Trust last month has been tremendous. It’s easy to understand why. The IRA Protection Trust is valuable insurance against the uncertainties of the future. By naming your IRA Protection Trust  the beneficiary of your retirement account (IRA, SEP, SIMPLE and 401(k), 403(a), 403(b), 457, pension [...]]]></description>
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		<title>Shattering The Myth That Women Aren’t Good With Money</title>
		<link>http://www.cenlafocus.com/financial/shattering-the-myth-that-women-aren%e2%80%99t-good-with-money/</link>
		<comments>http://www.cenlafocus.com/financial/shattering-the-myth-that-women-aren%e2%80%99t-good-with-money/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 13:00:45 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2518</guid>
		<description><![CDATA[Why do we cling to the myth that women don’t understand money as well as men? If you look at the personal finance books out right now, some of the titles might convince you that women need “special help” when it comes to figuring out saving, investing and budgeting. The current guides include Prince Charming [...]]]></description>
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		<title>Is Now The Time?</title>
		<link>http://www.cenlafocus.com/financial/is-now-the-time/</link>
		<comments>http://www.cenlafocus.com/financial/is-now-the-time/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 20:49:47 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2521</guid>
		<description><![CDATA[You have worked hard for a long time and want to retire. You have done the calculations and think you can make it on your estimated retirement income. If your assumptions are correct, you are in for a fabulous ride; if not, you will rue the day that you walked away from your home away [...]]]></description>
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		<title>A Retirement Reality Check</title>
		<link>http://www.cenlafocus.com/financial/a-retirement-reality-check/</link>
		<comments>http://www.cenlafocus.com/financial/a-retirement-reality-check/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 20:27:30 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2516</guid>
		<description><![CDATA[If you have already retired or if you can count the number of years until retirement on your fingers, then please heed this friendly warning: Unless you’re already making the most of your current retirement planning strategies, then it may be difficult to lay the groundwork for a financially secure future. Don’t just take my [...]]]></description>
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		<title>Special Care</title>
		<link>http://www.cenlafocus.com/financial/special-care/</link>
		<comments>http://www.cenlafocus.com/financial/special-care/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 20:44:48 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2459</guid>
		<description><![CDATA[Advances in medicine sometimes carry mixed blessings. According to a September, 2011 article in Financial Planning magazine, it is more likely than ever that special needs children will outlive their parents. This prediction would seem to indicate a more focused attention to planning, but two-thirds of parents with special needs children have not prepared wills, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Strategies for Getting the Most Out of Social Security</title>
		<link>http://www.cenlafocus.com/financial/strategies-for-getting-the-most-out-of-social-security/</link>
		<comments>http://www.cenlafocus.com/financial/strategies-for-getting-the-most-out-of-social-security/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 20:43:01 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2458</guid>
		<description><![CDATA[Since President Roosevelt signed the Social Security Act into law in 1935, millions of Americans have depended upon it as a major source of retirement income. Today, retirees are living longer lives and withdrawing more from the system, yet fewer people are contributing to it. That means retirees must find ways to maximize their Social [...]]]></description>
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		</item>
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		<title>Finding Help</title>
		<link>http://www.cenlafocus.com/financial/finding-help/</link>
		<comments>http://www.cenlafocus.com/financial/finding-help/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 20:21:46 +0000</pubDate>
		<dc:creator>Will Harp, Jr.</dc:creator>
				<category><![CDATA[Financial]]></category>

		<guid isPermaLink="false">http://www.cenlafocus.com/?p=2423</guid>
		<description><![CDATA[Now is the time that many families begin trying to figure out how they are going to pay for their child’s college tuition that will be due in the next year or two. Articles in the July and August, 2011 issues of Registered Rep magazine and the August, 2011 issue of Financial Planning magazine provide [...]]]></description>
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