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	<title>Golden Agers - Serving Seniors and Retirers &#187; Financial Planning</title>
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		<title>Own Your Future</title>
		<link>http://www.goldagers.com/2007/02/03/own-your-future/</link>
		<comments>http://www.goldagers.com/2007/02/03/own-your-future/#comments</comments>
		<pubDate>Sat, 03 Feb 2007 17:46:42 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[65+]]></category>
		<category><![CDATA[Aging]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Healthcare]]></category>
		<category><![CDATA[Long term care]]></category>
		<category><![CDATA[Retirement]]></category>
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		<category><![CDATA[The future]]></category>

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		<description><![CDATA[Whether you or a loved one is facing the need for long-term care, the planning and choices of care services can make for some tough decisions. Since about 60% of people aged 65 and older will need some type of long-term care in their lifetimes, planning and being prepared are essential. The US Department of [...]]]></description>
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		<title>Reverse Mortgages 3 &#8211; Which is right for you?</title>
		<link>http://www.goldagers.com/2006/08/19/reverse-mortgages-3-which-is-right-for-you/</link>
		<comments>http://www.goldagers.com/2006/08/19/reverse-mortgages-3-which-is-right-for-you/#comments</comments>
		<pubDate>Sat, 19 Aug 2006 13:09:56 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[65+]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Reverse mortgages]]></category>

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		<description><![CDATA[Reverse mortgages are of three different types but it is likely that only one will be appropriate to your circumstances: 1. Government agencies and nonprofit organizarions offer a reverse mortgage for specific needs, such as home repairs and improvements or property taxes. Although this type will have lower costs, it can only be used for [...]]]></description>
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		<title>Reverse Mortgages 2 &#8211; Features and Fees</title>
		<link>http://www.goldagers.com/2006/08/18/reverse-mortgages-2-features-and-fees/</link>
		<comments>http://www.goldagers.com/2006/08/18/reverse-mortgages-2-features-and-fees/#comments</comments>
		<pubDate>Fri, 18 Aug 2006 11:59:18 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[65+]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Retirement]]></category>
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		<description><![CDATA[In a reverse mortgage, the loan is against the equity of your house and so income has no effect upon the terms. With each loan advance taken, the equity will decrease, although there is usually a nonrecourse clause to ensure that no more than the value of the home can be taken as repayment of [...]]]></description>
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		<title>Is a Reverse Mortgage For You?</title>
		<link>http://www.goldagers.com/2006/08/17/reverse-mortgages/</link>
		<comments>http://www.goldagers.com/2006/08/17/reverse-mortgages/#comments</comments>
		<pubDate>Thu, 17 Aug 2006 09:10:26 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[65+]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Reverse mortgages]]></category>

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		<description><![CDATA[With a traditional forward mortgage, over time your debt decreases and your home equity increases. You borrow money to purchase a home and make monthly payments. A reverse mortgage is a loan against your home that you don&#8217;t have to pay back for as long as you live there. You can turn the value of [...]]]></description>
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