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	<title>Carolsuh &#187; Retirement Plans</title>
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	<link>http://www.carolsuh.com</link>
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	<pubDate>Sun, 12 Oct 2008 00:50:06 +0000</pubDate>
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			<item>
		<title>Think Enjoying Retirement</title>
		<link>http://www.carolsuh.com/think-enjoying-retirement/</link>
		<comments>http://www.carolsuh.com/think-enjoying-retirement/#comments</comments>
		<pubDate>Sat, 11 Oct 2008 16:02:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/think-enjoying-retirement/</guid>
		<description><![CDATA[Thinking about your retirement? It can be scary or it can be something to look forward to. It depends on your thinking.
Retired but not fully pleased with your situation? Then know that you can change it to something you would enjoy. Applying positive and productive thinking and it will change for the better.
So a review [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/think-enjoying-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Collect Yourself Some Extra Retirement Cash</title>
		<link>http://www.carolsuh.com/collect-yourself-some-extra-retirement-cash/</link>
		<comments>http://www.carolsuh.com/collect-yourself-some-extra-retirement-cash/#comments</comments>
		<pubDate>Sat, 11 Oct 2008 14:22:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/collect-yourself-some-extra-retirement-cash/</guid>
		<description><![CDATA[If you are one of those people who like to collect things, why not translate your passion into some supplemental income for your retirement?  Whether you enjoy collecting small items like jewelry, pottery, knives and guns or larger items like antique furniture, cars and boats, theres plenty of money to be earned.
Generally, it is [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/collect-yourself-some-extra-retirement-cash/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Advice For Seniors - Working Your Way Through Retirement</title>
		<link>http://www.carolsuh.com/advice-for-seniors-working-your-way-through-retirement/</link>
		<comments>http://www.carolsuh.com/advice-for-seniors-working-your-way-through-retirement/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 10:17:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/advice-for-seniors-working-your-way-through-retirement/</guid>
		<description><![CDATA[Caring for the elderly can be daunting and challenging at times. It is something to that everybody has something to worry about sometime. Everyone gets old in each and every family, and at the very least, most people have a relative of an advanced age. This stage poses a lot of uncertainty and behavioral change [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/advice-for-seniors-working-your-way-through-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Planning - Penalty Free Early Retirement Options</title>
		<link>http://www.carolsuh.com/retirement-planning-penalty-free-early-retirement-options/</link>
		<comments>http://www.carolsuh.com/retirement-planning-penalty-free-early-retirement-options/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 03:42:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-planning-penalty-free-early-retirement-options/</guid>
		<description><![CDATA[So you have made all the right moves and all the efforts you have put into planning your retirement have paid off.  In fact, they have paid off so well you can actually retire much earlier than you planned.   You have checked and double checked your calculations and indeed have reached all [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-planning-penalty-free-early-retirement-options/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Communities</title>
		<link>http://www.carolsuh.com/retirement-communities/</link>
		<comments>http://www.carolsuh.com/retirement-communities/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 03:42:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-communities/</guid>
		<description><![CDATA[A retirement community is a term that is used to call a variety of housing for retirees and seniors. It is especially developed and equipped for people who no longer work or for those over a certain age. Retirement communities differ from retirement homes, which are single buildings or small complex where there is no [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-communities/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retiring in Panama and Buying Property in Panama</title>
		<link>http://www.carolsuh.com/retiring-in-panama-and-buying-property-in-panama/</link>
		<comments>http://www.carolsuh.com/retiring-in-panama-and-buying-property-in-panama/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 01:37:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retiring-in-panama-and-buying-property-in-panama/</guid>
		<description><![CDATA[One part of the world that offers many different opportunities to thousands of people each year is Panama.  This unfolds in a number of different ways.  Panama tourism, perhaps the primary drawer of external monies into the country, brings hers of people to Panama each day.  In addition to tourism, Panamanian real [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retiring-in-panama-and-buying-property-in-panama/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Attitude Toward Retirement</title>
		<link>http://www.carolsuh.com/attitude-toward-retirement/</link>
		<comments>http://www.carolsuh.com/attitude-toward-retirement/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 21:42:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/attitude-toward-retirement/</guid>
		<description><![CDATA[What comes to mind when you think of retirement? That your retirement will be dull, devoid of opportunity, and an end to all that is good in your life? Or that retirement is an exciting time, full of opportunity and growth, and a time to try some new ideas, take some risks and make a [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/attitude-toward-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Planning - The 5 Most Common Mistakes</title>
		<link>http://www.carolsuh.com/retirement-planning-the-5-most-common-mistakes/</link>
		<comments>http://www.carolsuh.com/retirement-planning-the-5-most-common-mistakes/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 20:57:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-planning-the-5-most-common-mistakes/</guid>
		<description><![CDATA[Mistake #1\r You dont have a plan and you are not sure what you will do in retirement  this may sound an exaggeration in a place like Switzerland nearby to my home in France, but many people believe its just about having enough money. For happiness in retirement money is just one factor.
Solution:\r Ask [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-planning-the-5-most-common-mistakes/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Ten Ways to Use Your Strengths, Gifts, Talents and Abilities in Retirement</title>
		<link>http://www.carolsuh.com/ten-ways-to-use-your-strengths-gifts-talents-and-abilities-in-retirement/</link>
		<comments>http://www.carolsuh.com/ten-ways-to-use-your-strengths-gifts-talents-and-abilities-in-retirement/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 19:57:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/ten-ways-to-use-your-strengths-gifts-talents-and-abilities-in-retirement/</guid>
		<description><![CDATA[Ive got to be honest with you, the greatest human failing is not being able to judge your own personal strengths, gifts, talents and abilities. In fact, if youre like most folks, you spend way too much time identifying your weaknesses and spending all your time trying to overcome these imperfections. This is very detrimental [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/ten-ways-to-use-your-strengths-gifts-talents-and-abilities-in-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Income Planning Step By Step</title>
		<link>http://www.carolsuh.com/retirement-income-planning-step-by-step/</link>
		<comments>http://www.carolsuh.com/retirement-income-planning-step-by-step/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 12:47:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-income-planning-step-by-step/</guid>
		<description><![CDATA[In this time of our lives, every thing changes form hobbies to vision of existence. Income changes also, therefore it needs careful handling in order for you to taste all the treats retirement offers you, after long years of hardworking.
Whether you are retired or close to doing that, retirement income planning is recommended, to have [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-income-planning-step-by-step/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Dangers of Retirement Home</title>
		<link>http://www.carolsuh.com/the-dangers-of-retirement-home/</link>
		<comments>http://www.carolsuh.com/the-dangers-of-retirement-home/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 10:02:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/the-dangers-of-retirement-home/</guid>
		<description><![CDATA[It is imperative for your relative that you spend a substantial amount of time investigate nursing homes prior to you sending them to one. Do not judge the nursing home on the basis of a directed visit or the pleasant furnishings or pretty material features of the facility.
You should locate at least one occupant that [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/the-dangers-of-retirement-home/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Word Retirement</title>
		<link>http://www.carolsuh.com/the-word-retirement/</link>
		<comments>http://www.carolsuh.com/the-word-retirement/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 06:32:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/the-word-retirement/</guid>
		<description><![CDATA[The word retirement brings great worry to many Baby Boomers. They often worry if they will be able to retire and if they can retire, how much money will they need to have in savings and investments.
Lets discuss how much a person needs to invest on a monthly basis in order to feel financial freedom [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/the-word-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A Retired Gentleman in France</title>
		<link>http://www.carolsuh.com/a-retired-gentleman-in-france/</link>
		<comments>http://www.carolsuh.com/a-retired-gentleman-in-france/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 15:22:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/a-retired-gentleman-in-france/</guid>
		<description><![CDATA[During the last years of my fathers life he lived in Brittany, in a charming but somewhat run down French farmhouse which he had purchased on impulse two or three years prior, with the intention of doing some renovations and selling it on.
My fathers name was Jess but the locals preferred to call him Mad [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/a-retired-gentleman-in-france/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Income Planning - Getting Started</title>
		<link>http://www.carolsuh.com/retirement-income-planning-getting-started/</link>
		<comments>http://www.carolsuh.com/retirement-income-planning-getting-started/#comments</comments>
		<pubDate>Thu, 02 Oct 2008 03:27:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-income-planning-getting-started/</guid>
		<description><![CDATA[Many of us dream of retiring at 50.  More often than not, were still planning for it at 60. Theres no doubt about it, the hardest part of the retirement planning process is getting started.
The days of being able to retire on social security alone are long gone, and todays retirees must rely on [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-income-planning-getting-started/feed/</wfw:commentRss>
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		<item>
		<title>Retiring In Ocala - Some Advice</title>
		<link>http://www.carolsuh.com/retiring-in-ocala-some-advice/</link>
		<comments>http://www.carolsuh.com/retiring-in-ocala-some-advice/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 21:32:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retiring-in-ocala-some-advice/</guid>
		<description><![CDATA[Florida is known to be a state where snowbirds, as well as other migratory animals, migrate. It is also known to be a destination hotspot for people who want to bask under the light of the sun and enjoy swimming in the beach. And as of today, the state of Florida is known to be [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retiring-in-ocala-some-advice/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Enjoying Retirement Living</title>
		<link>http://www.carolsuh.com/enjoying-retirement-living/</link>
		<comments>http://www.carolsuh.com/enjoying-retirement-living/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 15:12:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/enjoying-retirement-living/</guid>
		<description><![CDATA[Enjoy the peace and quiet of retirement living. Congregate Living or Senior Apartments, are designed specifically for independent senior adults who want to enjoy a lifestyle filled with recreational, educational and social activities with other seniors.
These communities are designed for seniors who are able to live on their own, but desire the security and conveniences [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/enjoying-retirement-living/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Planning for Recent College Grads</title>
		<link>http://www.carolsuh.com/retirement-planning-for-recent-college-grads/</link>
		<comments>http://www.carolsuh.com/retirement-planning-for-recent-college-grads/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 02:12:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-planning-for-recent-college-grads/</guid>
		<description><![CDATA[So youve survived college. You head out into the working world with your fresh diploma in hand and land a plum job making more money than you couldve ever imagined. Your first instinct is to go get that big screen TV or plush ride that youve been eyeballing for the past year. After all, why [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-planning-for-recent-college-grads/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Understanding the 457 Retirement Plan</title>
		<link>http://www.carolsuh.com/understanding-the-457-retirement-plan/</link>
		<comments>http://www.carolsuh.com/understanding-the-457-retirement-plan/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 12:27:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/understanding-the-457-retirement-plan/</guid>
		<description><![CDATA[This is one of the non-qualified plans with tax deferment compensations and is similar to the typical 401K plans, as well as the common 403B plans. The 457-retirement plan has rules set by tax codes. The rules apply to non-cathedral and those that are under the nonqualified government employees comp plans with deferment options. Pension [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/understanding-the-457-retirement-plan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Planning? How About an Exciting New Job?</title>
		<link>http://www.carolsuh.com/retirement-planning-how-about-an-exciting-new-job/</link>
		<comments>http://www.carolsuh.com/retirement-planning-how-about-an-exciting-new-job/#comments</comments>
		<pubDate>Mon, 29 Sep 2008 23:27:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-planning-how-about-an-exciting-new-job/</guid>
		<description><![CDATA[And you thought you were all finished with work.  But retirement planning these days includes so many diverse options.  And one of them is to find a retirement job.
If youre leaning in that direction because you just cant see yourself hanging up your work shoes . . . or perhaps you wish to [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-planning-how-about-an-exciting-new-job/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Pre-Retirement Counseling - Choosing Leisure Activities</title>
		<link>http://www.carolsuh.com/pre-retirement-counseling-choosing-leisure-activities/</link>
		<comments>http://www.carolsuh.com/pre-retirement-counseling-choosing-leisure-activities/#comments</comments>
		<pubDate>Mon, 29 Sep 2008 19:42:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/pre-retirement-counseling-choosing-leisure-activities/</guid>
		<description><![CDATA[Pre-retirement counseling is usually focused on financial matters. Having adequate financial resources is certainly necessary, but there is a lot more to being happy in retirement than money. Too many people pay attention only to how much money they will have to spend in retirement, and neglect to consider how much time they will have [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/pre-retirement-counseling-choosing-leisure-activities/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Clock is Ticking: Retirement Planning Later in Your Career</title>
		<link>http://www.carolsuh.com/the-clock-is-ticking-retirement-planning-later-in-your-career/</link>
		<comments>http://www.carolsuh.com/the-clock-is-ticking-retirement-planning-later-in-your-career/#comments</comments>
		<pubDate>Mon, 29 Sep 2008 07:02:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/the-clock-is-ticking-retirement-planning-later-in-your-career/</guid>
		<description><![CDATA[Are you ready for retirement? Sure, youre mentally prepared to leave the everyday rat race, to throw your alarm clock in the garbage, and to spend your days doing whatever you so please. The question is: are you ready financially? If youre like most Baby Boomers, the answer is probably no.
A recent study by the [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/the-clock-is-ticking-retirement-planning-later-in-your-career/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Women Need Retirement Plans Too</title>
		<link>http://www.carolsuh.com/women-need-retirement-plans-too/</link>
		<comments>http://www.carolsuh.com/women-need-retirement-plans-too/#comments</comments>
		<pubDate>Mon, 29 Sep 2008 05:57:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/women-need-retirement-plans-too/</guid>
		<description><![CDATA[Although the income gap between men and women is shrinking, there is still a sizeable gap in how well women are prepared for retirement compared to men.  This retirement gap is a result of a number of reasons:
 Women live longer than men.  On average, women live approximately 6 years longer than men, [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/women-need-retirement-plans-too/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Panama - A Paradise for Retirement Life</title>
		<link>http://www.carolsuh.com/panama-a-paradise-for-retirement-life/</link>
		<comments>http://www.carolsuh.com/panama-a-paradise-for-retirement-life/#comments</comments>
		<pubDate>Sun, 28 Sep 2008 03:02:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/panama-a-paradise-for-retirement-life/</guid>
		<description><![CDATA[When you know that its time for your life-after-work to begin, its easy to become stagnant and run out of ideas for what you are going to do now that money isnt a problem and a job is ancient history.  Retirement can be a scary time for a lot of people, but not if [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/panama-a-paradise-for-retirement-life/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Annapolis, Maryland - Best Retirement Community</title>
		<link>http://www.carolsuh.com/annapolis-maryland-best-retirement-community/</link>
		<comments>http://www.carolsuh.com/annapolis-maryland-best-retirement-community/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 21:31:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/annapolis-maryland-best-retirement-community/</guid>
		<description><![CDATA[Filled with a plethora of history, Annapolis has been sited as the one of the ten best seasonal cities to retire. Filled with a wide variety of activities, and having a safe and clean downtown, Annapolis is one city which has more cultural venues in which retirees can participate, in addition to engaging in educational [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/annapolis-maryland-best-retirement-community/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Arizona Retirement Community</title>
		<link>http://www.carolsuh.com/arizona-retirement-community/</link>
		<comments>http://www.carolsuh.com/arizona-retirement-community/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 23:31:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/arizona-retirement-community/</guid>
		<description><![CDATA[For the past many years, you have worked so hard to earn and save to have a comfortable life when you retire. And now that you are retiring, dont you think its about time that you let yourself taste the sweet reward of your hard work? I bet you do, all of us do! So, [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/arizona-retirement-community/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Planning For Your Early Retirement And Health Insurance Needs</title>
		<link>http://www.carolsuh.com/planning-for-your-early-retirement-and-health-insurance-needs/</link>
		<comments>http://www.carolsuh.com/planning-for-your-early-retirement-and-health-insurance-needs/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 13:47:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/planning-for-your-early-retirement-and-health-insurance-needs/</guid>
		<description><![CDATA[When can you say that you can retire? After operational hard for many years, if you have saved a great amount of money and cleared all your taxes other bills, and mortgages paid, you are prepared to formulate your strategy for early retirement and Health insurance. Planning your everyday expenditure in advance is a very [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/planning-for-your-early-retirement-and-health-insurance-needs/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How to Earn Money in Retirement and Beat the Pension Crisis</title>
		<link>http://www.carolsuh.com/how-to-earn-money-in-retirement-and-beat-the-pension-crisis/</link>
		<comments>http://www.carolsuh.com/how-to-earn-money-in-retirement-and-beat-the-pension-crisis/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 01:07:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/how-to-earn-money-in-retirement-and-beat-the-pension-crisis/</guid>
		<description><![CDATA[The call to earn money in retirement is fast becoming a necessity and this is so because when you retire from the workplace you continue forevermore to face the prospect of escalating living expenses: food, shelter; clothing, power supply, insurances, communications, income tax, etc, with less left over than you had at your disposal before [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/how-to-earn-money-in-retirement-and-beat-the-pension-crisis/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Gifts</title>
		<link>http://www.carolsuh.com/retirement-gifts/</link>
		<comments>http://www.carolsuh.com/retirement-gifts/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 00:01:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-gifts/</guid>
		<description><![CDATA[Do you know someone who is about to retire, a boss, a friend, or a family member perhaps? Giving them retirement gifts may help them remember the day theyll stop the routine that eats most of their time. Have you ever wonder how would they really feel when they retire? Are they really happy about [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-gifts/feed/</wfw:commentRss>
		</item>
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		<title>Retirement in Puerto Vallarta - What Makes Banderas Bay So Special?</title>
		<link>http://www.carolsuh.com/retirement-in-puerto-vallarta-what-makes-banderas-bay-so-special/</link>
		<comments>http://www.carolsuh.com/retirement-in-puerto-vallarta-what-makes-banderas-bay-so-special/#comments</comments>
		<pubDate>Sun, 21 Sep 2008 15:17:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-in-puerto-vallarta-what-makes-banderas-bay-so-special/</guid>
		<description><![CDATA[Some say that Banderas Bay was formed from a volcano; that it is so deep that no instruments have ever been able to accurately detect its depth. Others claim it to be two miles deep. They are all incorrect as its merely an extension of a canyon running from the Banderas Valley or Ameca Valley [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-in-puerto-vallarta-what-makes-banderas-bay-so-special/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Individual Retirement Account Withdrawals</title>
		<link>http://www.carolsuh.com/individual-retirement-account-withdrawals/</link>
		<comments>http://www.carolsuh.com/individual-retirement-account-withdrawals/#comments</comments>
		<pubDate>Sat, 20 Sep 2008 23:32:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/individual-retirement-account-withdrawals/</guid>
		<description><![CDATA[Individual Retirement Accounts, or IRAs, are tax advantaged savings plans in which contributions are placed in custodial accounts at financial institutions, mutual funds, investment brokerage firms, or insurance companies. These are only available to those people who meet certain eligibility requirements. IRA contributions can be deducted from annual income for state and federal tax calculation [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/individual-retirement-account-withdrawals/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Plan Security Inspection</title>
		<link>http://www.carolsuh.com/retirement-plan-security-inspection/</link>
		<comments>http://www.carolsuh.com/retirement-plan-security-inspection/#comments</comments>
		<pubDate>Sat, 20 Sep 2008 11:52:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-plan-security-inspection/</guid>
		<description><![CDATA[Given recent events in the news, many employees have begun wondering what would happen to their 401(k) dollars if their company were to go into bankruptcy, out-of-business, or was merged or acquired by another firm.  This is a question that few employees think about when making contributions to their company retirement plan.  Yet, [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-plan-security-inspection/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Age Discrimination: 5 Steps To Knowing When An Employee Is Unfairly Dismissed By Way Of &#34;Retirement&#34;</title>
		<link>http://www.carolsuh.com/age-discrimination-5-steps-to-knowing-when-an-employee-is-unfairly-dismissed-by-way-of-retirement/</link>
		<comments>http://www.carolsuh.com/age-discrimination-5-steps-to-knowing-when-an-employee-is-unfairly-dismissed-by-way-of-retirement/#comments</comments>
		<pubDate>Sat, 20 Sep 2008 07:27:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/age-discrimination-5-steps-to-knowing-when-an-employee-is-unfairly-dismissed-by-way-of-retirement/</guid>
		<description><![CDATA[The Employment Equality (Age) Regulations 2006 - SI No 2006/1031 - came into force on 1 October 2006 to protect employees from being dismissed unfairly by reason of their age. The Age Regulations make it unlawful to discriminate against employees, job seekers and trainees because of their age  both old and young. The protection [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/age-discrimination-5-steps-to-knowing-when-an-employee-is-unfairly-dismissed-by-way-of-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Should You Consider Retiring Abroad?</title>
		<link>http://www.carolsuh.com/should-you-consider-retiring-abroad/</link>
		<comments>http://www.carolsuh.com/should-you-consider-retiring-abroad/#comments</comments>
		<pubDate>Fri, 19 Sep 2008 08:12:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/should-you-consider-retiring-abroad/</guid>
		<description><![CDATA[When it comes to retiring, often many people find themselves stuck for ideas on what they can spend their time doing. You spend so much of your life working and being away from home that when it finally comes to it, being at home full time can often be a little boring. There is nothing [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/should-you-consider-retiring-abroad/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Social Security Dilemma</title>
		<link>http://www.carolsuh.com/the-social-security-dilemma/</link>
		<comments>http://www.carolsuh.com/the-social-security-dilemma/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 20:32:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/the-social-security-dilemma/</guid>
		<description><![CDATA[Im 62 and still working. Is it better to take Social Security now or should I wait?
It depends on a lot of factors.
Social Security retirement benefits usually begin at full retirement age (FRA), which is currently age 65. For those born after 1937, FRA will be gradually increased until it reaches 67 for those born [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/the-social-security-dilemma/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Best Time to Plan for your Retirement</title>
		<link>http://www.carolsuh.com/the-best-time-to-plan-for-your-retirement/</link>
		<comments>http://www.carolsuh.com/the-best-time-to-plan-for-your-retirement/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 06:27:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/the-best-time-to-plan-for-your-retirement/</guid>
		<description><![CDATA[If you are not working to be a millionaire, you should at least work to have a comfortable retirement years. With the advancement of medical technologies, human beings are expected to live longer. When you live longer, it also means that you will need more money for your retirement.
Retirement funding is a no joke process. [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/the-best-time-to-plan-for-your-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>After Retirement Separation - Life Just Gets Better!</title>
		<link>http://www.carolsuh.com/after-retirement-separation-life-just-gets-better/</link>
		<comments>http://www.carolsuh.com/after-retirement-separation-life-just-gets-better/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 02:42:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/after-retirement-separation-life-just-gets-better/</guid>
		<description><![CDATA[Life after retirement separation can be a very lonely one especially if you have no family of your own.  You tend not to go out as often as you did when you were a couple.  You may also have a complex that being older is harder and more difficult to meet new people. [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/after-retirement-separation-life-just-gets-better/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Financial Planning</title>
		<link>http://www.carolsuh.com/retirement-financial-planning/</link>
		<comments>http://www.carolsuh.com/retirement-financial-planning/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 17:07:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-financial-planning/</guid>
		<description><![CDATA[Planning is the specific process of setting goals and developing ways to reach them. The success or failure of an individual after retirement depends mainly on proper planning. It is rightly said that failing to plan is planning to fail. Financial planning is an integral part of the job of the finance manager. It is [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-financial-planning/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Supplemental Income for Retirement Plans</title>
		<link>http://www.carolsuh.com/supplemental-income-for-retirement-plans/</link>
		<comments>http://www.carolsuh.com/supplemental-income-for-retirement-plans/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 05:22:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/supplemental-income-for-retirement-plans/</guid>
		<description><![CDATA[When you were working, you made sure you saved a particular amount in order for you to be set for retirement. Therefore, it only makes sense that the supplemental retirement plan you acquire consider the flexible aspect of the retirement income including the Social Security and the Master Retirement Plan.
As a paying customer, what must [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/supplemental-income-for-retirement-plans/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Understanding Retirement Housing</title>
		<link>http://www.carolsuh.com/understanding-retirement-housing/</link>
		<comments>http://www.carolsuh.com/understanding-retirement-housing/#comments</comments>
		<pubDate>Tue, 16 Sep 2008 12:37:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/understanding-retirement-housing/</guid>
		<description><![CDATA[Retirement housing is designed to provide seniors with a safe, comfortable, and friendly environment in which enjoy their idle years. Most retirement housing offers apartment living, with medical and meal service, and recreational opportunities.  Retirement home living units are available as rental units, or they can be purchased for life, like condominiums, with the [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/understanding-retirement-housing/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How to Achieve a Balanced and Healthy Lifestyle in Retirement</title>
		<link>http://www.carolsuh.com/how-to-achieve-a-balanced-and-healthy-lifestyle-in-retirement/</link>
		<comments>http://www.carolsuh.com/how-to-achieve-a-balanced-and-healthy-lifestyle-in-retirement/#comments</comments>
		<pubDate>Tue, 16 Sep 2008 09:17:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/how-to-achieve-a-balanced-and-healthy-lifestyle-in-retirement/</guid>
		<description><![CDATA[Now that youve retired, you have entered an entirely new phase of life, a life filled with new challenges, adventure and hopefully one that brings you complete and total satisfaction. However, if youre like most people, change isnt always easy and is sometimes stressful. This stress is completely normal but may be compounded if you [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/how-to-achieve-a-balanced-and-healthy-lifestyle-in-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Preparing Your Retirement With Senior Life Insurance</title>
		<link>http://www.carolsuh.com/preparing-your-retirement-with-senior-life-insurance/</link>
		<comments>http://www.carolsuh.com/preparing-your-retirement-with-senior-life-insurance/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 18:57:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/preparing-your-retirement-with-senior-life-insurance/</guid>
		<description><![CDATA[Determining what type and amount of life insurance is right for you require some careful thought and it sometimes seems a secret decoder ring. In addition to term life, whole life, senior life insurance and universal life polices, these days, there are a number of derivative insurance products, many of which are marketed by a [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/preparing-your-retirement-with-senior-life-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Transition To Retirement  Eleven Tips</title>
		<link>http://www.carolsuh.com/transition-to-retirement-eleven-tips/</link>
		<comments>http://www.carolsuh.com/transition-to-retirement-eleven-tips/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 11:02:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/transition-to-retirement-eleven-tips/</guid>
		<description><![CDATA[1. Figure out your key motivators  what drives you. Is it change and variety, or settled conditions? Is it learning new things, or going back to old hobbies that gave you great pleasure.
2. Start to cultivate friendships in areas other than your work and field of work. Look over your circle of friends. Is [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/transition-to-retirement-eleven-tips/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Early Retirement The Dream of the Working Classes</title>
		<link>http://www.carolsuh.com/early-retirement-the-dream-of-the-working-classes/</link>
		<comments>http://www.carolsuh.com/early-retirement-the-dream-of-the-working-classes/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 10:32:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/early-retirement-the-dream-of-the-working-classes/</guid>
		<description><![CDATA[Everyone dreams of early retirement.  The idea of no longer having to work at an early age is very attractive to some people and they dream and wish all day long about the day that they can afford to say, Take this job and well, you know.  Unfortunately, for many people, early retirement [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/early-retirement-the-dream-of-the-working-classes/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Hobbies for Retirement Income</title>
		<link>http://www.carolsuh.com/hobbies-for-retirement-income/</link>
		<comments>http://www.carolsuh.com/hobbies-for-retirement-income/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 06:52:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/hobbies-for-retirement-income/</guid>
		<description><![CDATA[If you have been fortunate enough to have been able to maintain a hobby through your working life, you might find that it can now generate some extra income in retirement.
You already know how fulfilling a hobby can be. It not only gives you pleasure, but it both relaxes and stimulates your mind. For many, [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/hobbies-for-retirement-income/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Is It Too Late to Plan for Retirement? No Way, But An Annual Credit Report Is Essential</title>
		<link>http://www.carolsuh.com/is-it-too-late-to-plan-for-retirement-no-way-but-an-annual-credit-report-is-essential/</link>
		<comments>http://www.carolsuh.com/is-it-too-late-to-plan-for-retirement-no-way-but-an-annual-credit-report-is-essential/#comments</comments>
		<pubDate>Sat, 13 Sep 2008 09:31:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/is-it-too-late-to-plan-for-retirement-no-way-but-an-annual-credit-report-is-essential/</guid>
		<description><![CDATA[An annual credit report is a necessity. Institutions reporting, that show up on your annual credit report, make an effort to provide accurate information, however, inevitably mistakes happen. Either a mistake is made based on your repayment or even more difficult to track down and correct, is information erroneously added to your credit report that [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/is-it-too-late-to-plan-for-retirement-no-way-but-an-annual-credit-report-is-essential/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Creative Early Retirement Planning On A Budget</title>
		<link>http://www.carolsuh.com/creative-early-retirement-planning-on-a-budget/</link>
		<comments>http://www.carolsuh.com/creative-early-retirement-planning-on-a-budget/#comments</comments>
		<pubDate>Fri, 12 Sep 2008 21:06:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/creative-early-retirement-planning-on-a-budget/</guid>
		<description><![CDATA[Everyone dreams of retiring early enough to enjoy the good life while your health is still sufficient enough to do most anything you desire. Early retirement planning is essential to making those dreams come true. This article will look at some key aspects you should consider when putting your early retirement planning into action.
John &#038; [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/creative-early-retirement-planning-on-a-budget/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Seeking A Safety Net  Saving For Retirement</title>
		<link>http://www.carolsuh.com/seeking-a-safety-net-saving-for-retirement/</link>
		<comments>http://www.carolsuh.com/seeking-a-safety-net-saving-for-retirement/#comments</comments>
		<pubDate>Fri, 12 Sep 2008 20:32:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/seeking-a-safety-net-saving-for-retirement/</guid>
		<description><![CDATA[Perhaps its the result of last years horrific hurricanes, rising interest rates, soaring fuel costs and general global unrest.\r Maybe its just egotistic self centered interests, He who dies with the most toys wins; the inability to take responsibility for your own digressions.
Or maybe its just the natural order of things for people to become [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/seeking-a-safety-net-saving-for-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Saving for Retirement</title>
		<link>http://www.carolsuh.com/saving-for-retirement-3/</link>
		<comments>http://www.carolsuh.com/saving-for-retirement-3/#comments</comments>
		<pubDate>Fri, 12 Sep 2008 01:37:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/saving-for-retirement-3/</guid>
		<description><![CDATA[During our working lives, many people fail to realize the importance of saving for retirement. In order to live the lifestyle you desire after you quit working, its important to build a nest egg prior to your retirement years that you can support yourself on. Its never too early to start saving, and the longer [...]]]></description>
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		</item>
		<item>
		<title>Retirement Income</title>
		<link>http://www.carolsuh.com/retirement-income/</link>
		<comments>http://www.carolsuh.com/retirement-income/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 03:32:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-income/</guid>
		<description><![CDATA[Retirees need money to support their families and pay for their medical bills after requirement. This makes it crucial for them to plan to avoid a financial crunch after retirement. Many people, who can afford to put some money aside for investments, opt for annuity plans. An annuity is a form of investment that provides [...]]]></description>
		<wfw:commentRss>http://www.carolsuh.com/retirement-income/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Communities - Making New Friends With Clubs</title>
		<link>http://www.carolsuh.com/retirement-communities-making-new-friends-with-clubs/</link>
		<comments>http://www.carolsuh.com/retirement-communities-making-new-friends-with-clubs/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 01:17:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Retirement Plans]]></category>

		<guid isPermaLink="false">http://www.carolsuh.com/retirement-communities-making-new-friends-with-clubs/</guid>
		<description><![CDATA[Starting a social club is a great way to forge new, lasting friendships in a new community. Here are a couple of options to get you started:
Gourmet Group: Several couples join together for a monthly gourmet dinner at one members home. Each dinner should be themed. The host and hostess provide a recipe for each [...]]]></description>
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