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	<link>http://www.lowcost401k.com</link>
	<description>Retirement information resource</description>
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		<item>
		<title>Understanding How Vesting in Retirement Plans Work</title>
		<link>http://www.lowcost401k.com/2011/06/understanding-how-vesting-in-retirement-plans-work/</link>
		<comments>http://www.lowcost401k.com/2011/06/understanding-how-vesting-in-retirement-plans-work/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 22:42:29 +0000</pubDate>
		<dc:creator>slynch</dc:creator>
				<category><![CDATA[Plan Participants]]></category>
		<category><![CDATA[Plan Sponsors]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[vesting]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=122</guid>
		<description><![CDATA[A lot of plan participants are confused about vesting.  Vesting is simply how long it takes for any EMPLOYER contributions made to your retirement account to be yours should you quit. All of YOUR contributions such as salary deferrals and rollovers are always 100% vested, it only pertains to monies that your employer adds to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy High, Sell Low?  Participant Advice in the 401k Market</title>
		<link>http://www.lowcost401k.com/2010/10/buy-high-sell-low-participant-advice-in-the-401k-market/</link>
		<comments>http://www.lowcost401k.com/2010/10/buy-high-sell-low-participant-advice-in-the-401k-market/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 20:15:08 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.lowcost401k.com/?p=941</guid>
		<description><![CDATA[October 27, 2010 &#124; by Steve Dix, QKA As the market rebounds from the lows of 2009 I find participants who were so eager to bail out of the market a year ago are now throwing money at mutual funds as if they have forgotten the pain of the last bear market. Is it true [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Own Gold In Your 401(k)</title>
		<link>http://www.lowcost401k.com/2010/08/how-to-own-gold-in-your-401k/</link>
		<comments>http://www.lowcost401k.com/2010/08/how-to-own-gold-in-your-401k/#comments</comments>
		<pubDate>Sun, 29 Aug 2010 08:56:06 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[gold]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/index.php/2010/07/02/how-to-own-gold-in-your-401k/</guid>
		<description><![CDATA[When it comes to investment options in 401(k) plans, most plans really fail. There is one investment that I really like to use in my 401(k) and it is called an ETF or Exchange Traded Fund. An exchange traded fund is basically a mutual fund that trades like a stock. The benefits include sector specialization, [...]]]></description>
		<wfw:commentRss>http://www.lowcost401k.com/2010/08/how-to-own-gold-in-your-401k/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Holding a Mortgage Note in Your IRA or 401k</title>
		<link>http://www.lowcost401k.com/2010/08/holding-a-mortgage-note-in-your-ira-or-401k/</link>
		<comments>http://www.lowcost401k.com/2010/08/holding-a-mortgage-note-in-your-ira-or-401k/#comments</comments>
		<pubDate>Sun, 29 Aug 2010 07:35:17 +0000</pubDate>
		<dc:creator>slynch</dc:creator>
				<category><![CDATA[401k Loans]]></category>
		<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[Legislation/Regulations]]></category>
		<category><![CDATA[Plan Participants]]></category>
		<category><![CDATA[Plan Sponsors]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k mortgage note]]></category>
		<category><![CDATA[ira mortgage note]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=53</guid>
		<description><![CDATA[A lot of clients have asked me whether they can hold the mortgage on their house or a business property inside of their IRA or 401k plan.  This is an interesting question, especially in light of the ultra low interest rate that the Fed is forcing upon us to help bail out the housing industry.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Traditional IRA and Roth IRA Comparisons</title>
		<link>http://www.lowcost401k.com/2010/07/traditional-ira-and-roth-ira-comparisons/</link>
		<comments>http://www.lowcost401k.com/2010/07/traditional-ira-and-roth-ira-comparisons/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 18:38:29 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=159</guid>
		<description><![CDATA[In plain terms, with a Traditional IRA the plan participant makes a tax deductible contribution, meaning the deposit in the traditional IRA isn’t taxed. The deposit and it’s earnings grow tax free for the life of the account. For example: John is age 32 and his total salary for the year is $35,000. John deposits [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Maximum Annual IRA Contribution Limits</title>
		<link>http://www.lowcost401k.com/2010/07/maximum-annual-ira-contribution-limits/</link>
		<comments>http://www.lowcost401k.com/2010/07/maximum-annual-ira-contribution-limits/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 20:56:19 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=155</guid>
		<description><![CDATA[We are asked frequently what the maximum contribution limits are for an IRA. This depends on the tax year in which the contribution is made. Whether you are making contributions to a Traditional IRA or a Roth IRA, the contribution may not exceed the maximum contribution limit or 100 percent of the taxable compensation for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pros and Cons of a SEP retirement plan</title>
		<link>http://www.lowcost401k.com/2010/06/advantages-and-disadvantages-of-a-sep-retirement-plan/</link>
		<comments>http://www.lowcost401k.com/2010/06/advantages-and-disadvantages-of-a-sep-retirement-plan/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 19:28:52 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Retirement Plans]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[sep]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=90</guid>
		<description><![CDATA[Simplified Employee Pension Plans (SEP) are retirement plans designed for small companies or the self-employed meaning any type of business or professional practice with few employees. They are similar to SIMPLE plans in that SEPs offer tax-deferred investing, require minimal paper work and are relatively inexpensive to administer and run. Advantages: A SEP is simple [...]]]></description>
		<wfw:commentRss>http://www.lowcost401k.com/2010/06/advantages-and-disadvantages-of-a-sep-retirement-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a SIMPLE retirement plan?</title>
		<link>http://www.lowcost401k.com/2010/06/understanding-the-basics-of-simple-plans/</link>
		<comments>http://www.lowcost401k.com/2010/06/understanding-the-basics-of-simple-plans/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 20:25:41 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[Articles of Interest]]></category>
		<category><![CDATA[Retirement Plans]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[simple retirement plan]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=9</guid>
		<description><![CDATA[Many potential clients have asked about SIMPLE reirement plans. Below, I will explain them in simple to understand language. SIMPLE stands for &#8220;Savings Incentive Match Plan for Employees&#8221; (SIMPLE). It was set up to provide a retirement plan for companies with 100 or fewer employees. It is designed for small companies and for the self-employed, [...]]]></description>
		<wfw:commentRss>http://www.lowcost401k.com/2010/06/understanding-the-basics-of-simple-plans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Taking a loan from your 401k plan</title>
		<link>http://www.lowcost401k.com/2010/06/401k-plan-loans/</link>
		<comments>http://www.lowcost401k.com/2010/06/401k-plan-loans/#comments</comments>
		<pubDate>Sun, 13 Jun 2010 15:37:53 +0000</pubDate>
		<dc:creator>jpodgorny</dc:creator>
				<category><![CDATA[401k Loans]]></category>
		<category><![CDATA[Plan Participants]]></category>
		<category><![CDATA[Plan Sponsors]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k loans]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.401klibrary.com/?p=900</guid>
		<description><![CDATA[This 6 minute video was designed the educate 401k Plan Participants and 401k Plan Sponsors on the advantages and disadvantages of taking a loan from their 401k plans.]]></description>
		<wfw:commentRss>http://www.lowcost401k.com/2010/06/401k-plan-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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