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		<title>Ways to Never Run Out of Money&#8230;#4</title>
		<link>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-4/</link>
		<comments>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-4/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 19:56:14 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[tax-free income]]></category>
		<category><![CDATA[1040]]></category>
		<category><![CDATA[401k]]></category>
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		<category><![CDATA[IRA]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[RMD]]></category>
		<category><![CDATA[Roth IRA]]></category>
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		<category><![CDATA[taxes]]></category>
		<category><![CDATA[w-2]]></category>
		<category><![CDATA[withdrawals]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=516</guid>
		<description><![CDATA[Remove the tax time bomb from your retirement I was telling a friend our philosophy on tax-free versus tax-deferred income the other day.  She replied, “But my mom is retired and doesn’t pay any taxes on her withdrawals because her income is so low.” She found fault with our plan, but is that actually her [...]]]></description>
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		<title>Ways to Never Run out of Money&#8230;#3</title>
		<link>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-3/</link>
		<comments>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-3/#comments</comments>
		<pubDate>Sat, 08 Oct 2011 15:12:14 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[financial blueprints]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Living your dreams]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[tax-free income]]></category>
		<category><![CDATA[truth]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[growth]]></category>
		<category><![CDATA[liquidity]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[outliving]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[safety]]></category>
		<category><![CDATA[sweet spot]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=466</guid>
		<description><![CDATA[Enlarge your Sweet Spot by Nancy Coveleskie One place to pay very close attention when making sure you don’t run out of money before you run out of lifetime is The Sweet Spot.  Understanding how to increase the size of this spot will help you with many financial decisions. There are three circles and where [...]]]></description>
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		<title>Ways to Never Run Out of Money&#8230;#2</title>
		<link>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-2/</link>
		<comments>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-2/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 17:07:07 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[financial blueprints]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[equation]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[pictures]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=455</guid>
		<description><![CDATA[Think in tomorrow&#8217;s dollars by Nancy Coveleskie Remember when gasoline was 57 cents per gallon?  Remember when a movie ticket cost $1?  Many people are able to look back and in hindsight see the effects of inflation, but we find few people are able to fast forward in the other direction and truly grasp inflations [...]]]></description>
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		<title>Ways to Never Run Out of Money&#8230;#1</title>
		<link>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-1/</link>
		<comments>http://www.heritagemoneyclub.com/ways-to-never-run-out-of-money-1/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 16:11:44 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[financial blueprints]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Living your dreams]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[depleted assets]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[growth]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[liquidity]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[ror]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[sweet spot]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=448</guid>
		<description><![CDATA[Don&#8217;t let short term interest rates dictate your standard of living (or make you do desperate things) by Nancy Coveleskie We have seen this retirement &#8220;strategy&#8221; so many times we can&#8217;t count all of them.  Let&#8217;s see if this sounds familiar to you.  Here&#8217;s the plan: Michael Smith is retiring.  He is 62 years old.  [...]]]></description>
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		<title>Turn your lemons into Lemonade&#8230;I have a Great Recipe!</title>
		<link>http://www.heritagemoneyclub.com/turn-your-lemons-into-lemonade-i-have-a-great-recipe/</link>
		<comments>http://www.heritagemoneyclub.com/turn-your-lemons-into-lemonade-i-have-a-great-recipe/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 20:52:48 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Beliefs]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Living your dreams]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[tax-free income]]></category>
		<category><![CDATA[conversion]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[lemonade]]></category>
		<category><![CDATA[lemons]]></category>
		<category><![CDATA[losses]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[Roth]]></category>
		<category><![CDATA[roth converstion]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=440</guid>
		<description><![CDATA[By Nancy Coveleskie We’ve all heard this saying before, haven’t we?  How do you apply in your everyday life? I’ve been working on a project the last few days and have asked some friends and acquaintances for assistance.  I surveyed everyone via email on the following: The #1 biggest concern I have right now about [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Do you have a to-do list&#8230;for life?</title>
		<link>http://www.heritagemoneyclub.com/do-you-have-a-to-do-list-for-life/</link>
		<comments>http://www.heritagemoneyclub.com/do-you-have-a-to-do-list-for-life/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 19:11:24 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[financial blueprints]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Living your dreams]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Bob Proctor]]></category>
		<category><![CDATA[chores]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[Henriette Anne Klauser money]]></category>
		<category><![CDATA[lists]]></category>
		<category><![CDATA[Napoleon Hill]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[tasks]]></category>
		<category><![CDATA[think and grow rich]]></category>
		<category><![CDATA[trips]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=415</guid>
		<description><![CDATA[I did it again&#8230;got to the store and realized my list of things to buy is sitting at home on the counter.  How many times have you done this?  Many people can’t work without a to-do list.  I’m one of them.  I’m a list maker.  Luckily, I don’t necessarily have to bring my list with [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can people possibly forget they have money???</title>
		<link>http://www.heritagemoneyclub.com/how-can-people-possibly-forget-they-have-money/</link>
		<comments>http://www.heritagemoneyclub.com/how-can-people-possibly-forget-they-have-money/#comments</comments>
		<pubDate>Thu, 07 Jul 2011 20:04:33 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[financial blueprints]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[indexed universal life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[filing]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[missing assets]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[unclaimed assets]]></category>
		<category><![CDATA[whole life]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=409</guid>
		<description><![CDATA[Most people store their life insurance policy in a safe, yet accessible location: at the bank, at home under lock and key or in a safe deposit box. But what happens when the policyholder tucks documents away in a more obscure location&#8211;and neglects to tell anyone where they&#8217;re hidden? According to www.MissingAssets.com, an online site [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ignore a stray and it will go away!</title>
		<link>http://www.heritagemoneyclub.com/ignore-a-stray-and-it-will-go-away/</link>
		<comments>http://www.heritagemoneyclub.com/ignore-a-stray-and-it-will-go-away/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 14:40:24 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Beliefs]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[tax-free income]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[carpeting The Secrets of the Millionaire Mind]]></category>
		<category><![CDATA[cars]]></category>
		<category><![CDATA[coins]]></category>
		<category><![CDATA[magnates]]></category>
		<category><![CDATA[magnets]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[neglect]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[strays]]></category>
		<category><![CDATA[T. Harv Eker]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=400</guid>
		<description><![CDATA[By Nancy Coveleskie Have you ever had a stray animal visit your house?  As a little kid growing up in the country, everyone let their cats and dogs roam freely.  As soon as a dog or cat would saunter toward our house, my sister and I were begging my parents to let us keep him. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Repost from PsyBlog</title>
		<link>http://www.heritagemoneyclub.com/repost-from-psyblog/</link>
		<comments>http://www.heritagemoneyclub.com/repost-from-psyblog/#comments</comments>
		<pubDate>Wed, 08 Jun 2011 16:23:02 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Heritage Consulting Group]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=397</guid>
		<description><![CDATA[PsyBlog &#8211; 10 Ways Our Minds Warp Time I regularly get the PsyBlog email and thought this was an intriguing read.  I find that many people these days feel too rushed for lack of time.  They lament the passing of time.  They can&#8217;t make any more hours in a day.  This article gives me some [...]]]></description>
		<wfw:commentRss>http://www.heritagemoneyclub.com/repost-from-psyblog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do you ever hold your breath?</title>
		<link>http://www.heritagemoneyclub.com/do-you-ever-hold-your-breath/</link>
		<comments>http://www.heritagemoneyclub.com/do-you-ever-hold-your-breath/#comments</comments>
		<pubDate>Tue, 17 May 2011 19:16:03 +0000</pubDate>
		<dc:creator>hcgwebsite</dc:creator>
				<category><![CDATA[Beliefs]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Giving]]></category>
		<category><![CDATA[Heritage Consulting Group]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[heritage consulting group]]></category>
		<category><![CDATA[joy]]></category>
		<category><![CDATA[miser]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[safety]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[tax-free]]></category>
		<category><![CDATA[values]]></category>

		<guid isPermaLink="false">http://heritageconsultinggroup.com/?p=392</guid>
		<description><![CDATA[by Nancy Coveleskie Would you ever think of inhaling, then refusing to exhale, afraid that you wouldn’t be able to inhale again?  Unless you are in extraordinary circumstances, like in the midst of an asthma attack or diving down deep in water, it just seems to defy logic, doesn’t it? When a person holds so [...]]]></description>
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		<slash:comments>1</slash:comments>
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