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	<title>Planning For Retirement</title>
	<link>http://cramgroup.com/wordpress1</link>
	<description>Learn how to create a tax-free retirment plan and why you need one now.</description>
	<pubDate>Tue, 21 Sep 2010 14:30:44 +0000</pubDate>
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		<copyright>&#xA9;Marc Cram, CFP </copyright>
		<managingEditor>cram351@gmail.com (Marc Cram, CFP)</managingEditor>
		<webMaster>cram351@gmail.com(Marc Cram, CFP)</webMaster>
		<category>Retirement</category>
		<ttl>1440</ttl>
		<itunes:keywords>retirement, ira, 401k, taxes, tax free, missed fortune, infinite banking, social security</itunes:keywords>
		<itunes:subtitle>Planning For Retirment</itunes:subtitle>
		<itunes:summary>Learn what to plan for and what you can do.</itunes:summary>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:category text="Business">
  <itunes:category text="Investing"/>
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		<itunes:owner>
			<itunes:name>Marc Cram, CFP</itunes:name>
			<itunes:email>cram351@gmail.com</itunes:email>
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			<title>Planning For Retirement</title>
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		<item>
		<title>Welcome to Planning for Retirement</title>
		<link>http://cramgroup.com/wordpress1/?p=5</link>
		<comments>http://cramgroup.com/wordpress1/?p=5#comments</comments>
		<pubDate>Thu, 31 Jan 2008 20:54:20 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[


 If you have been planning for retirement using the tools that everyone else is using you are in danger of creating greater tax liability than is necessary. We will be using this blog to educate you on ways that you can create and fund your own private retirement plan. A plan that you control [...]]]></description>
			<content:encoded><![CDATA[<p id="top" />If you have been planning for retirement using the tools that everyone else is using you are in danger of creating greater tax liability than is necessary. We will be using this blog to educate you on ways that you can create and fund your own private retirement plan. A plan that you control and that can help you increase your retirement income by at least 50%.</p>
<p>We hope that you enjoy these vidoes and look forward to helping you create a comfortable retirement.</p>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>If you have been planning for retirement using the tools that everyone else is using you are in danger of creating greater tax liability than ...</itunes:subtitle>
		<itunes:summary>If you have been planning for retirement using the tools that everyone else is using you are in danger of creating greater tax liability than is necessary. We will be using this blog to educate you on ways that you can create and fund your own private retirement plan. A plan that you control and that can help you increase your retirement income by at least 50%.

We hope that you enjoy these vidoes and look forward to helping you create a comfortable retirement.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<item>
		<title>Podcast 2 &#8220;What is Different Today&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=6</link>
		<comments>http://cramgroup.com/wordpress1/?p=6#comments</comments>
		<pubDate>Sun, 20 Jan 2008 18:29:47 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=6</guid>
		<description><![CDATA[


 In today&#8217;s podcast you will begin to look at those things that will effect your future retirment.
How long will you live in retirement?
]]></description>
			<content:encoded><![CDATA[<p id="top" />In today&#8217;s podcast you will begin to look at those things that will effect your future retirment.</p>
<p>How long will you live in retirement?</p>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>In today's podcast you will begin to look at those things that will effect your future retirment.

How long will you live in retirement? </itunes:subtitle>
		<itunes:summary>In today's podcast you will begin to look at those things that will effect your future retirment.

How long will you live in retirement?</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<title>Podcast 3 &#8220;What will happen to Taxes&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=8</link>
		<comments>http://cramgroup.com/wordpress1/?p=8#comments</comments>
		<pubDate>Sat, 19 Jan 2008 18:34:54 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=8</guid>
		<description><![CDATA[Today we will look at taxes and what effect they might have on your future retirment.
Does it make sense to be creating a large future tax liability?
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will look at taxes and what effect they might have on your future retirment.</p>
<p>Does it make sense to be creating a large future tax liability?</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at taxes and what effect they might have on your future retirment.

Does it make sense to be creating a large future ...</itunes:subtitle>
		<itunes:summary>Today we will look at taxes and what effect they might have on your future retirment.

Does it make sense to be creating a large future tax liability?</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<title>Podcast 4 &#8220;Government Benefits and your future&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=9</link>
		<comments>http://cramgroup.com/wordpress1/?p=9#comments</comments>
		<pubDate>Thu, 17 Jan 2008 18:51:03 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Today we will look at the future of our government benefits and what we might expect to see in the years ahead. Maybe we will need to plan for our own future to rely less on the government.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will look at the future of our government benefits and what we might expect to see in the years ahead. Maybe we will need to plan for our own future to rely less on the government.</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at the future of our government benefits and what we might expect to see in the years ahead. Maybe we will ...</itunes:subtitle>
		<itunes:summary>Today we will look at the future of our government benefits and what we might expect to see in the years ahead. Maybe we will need to plan for our own future to rely less on the government.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
	</item>
		<item>
		<title>Podcast 5 &#8220;Retirement Plans&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=10</link>
		<comments>http://cramgroup.com/wordpress1/?p=10#comments</comments>
		<pubDate>Wed, 16 Jan 2008 18:52:28 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Today we will look at the traditional retirment plans we all have been using and examine what might be your eventual reality once you begin pulling money out of these plans.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will look at the traditional retirment plans we all have been using and examine what might be your eventual reality once you begin pulling money out of these plans.</p>
]]></content:encoded>
			<wfw:commentRss>http://cramgroup.com/wordpress1/?feed=rss2&amp;p=10</wfw:commentRss>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at the traditional retirment plans we all have been using and examine what might be your eventual reality once you begin ...</itunes:subtitle>
		<itunes:summary>Today we will look at the traditional retirment plans we all have been using and examine what might be your eventual reality once you begin pulling money out of these plans.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<item>
		<title>Podcast 6 &#8220;Dismising Old Concepts&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=11</link>
		<comments>http://cramgroup.com/wordpress1/?p=11#comments</comments>
		<pubDate>Tue, 15 Jan 2008 18:54:43 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=11</guid>
		<description><![CDATA[Maybe it is time to start looking at new ways to deal with our assets and the begin using them to help us create wealth.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Maybe it is time to start looking at new ways to deal with our assets and the begin using them to help us create wealth.</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Maybe it is time to start looking at new ways to deal with our assets and the begin using them to help us create wealth. </itunes:subtitle>
		<itunes:summary>Maybe it is time to start looking at new ways to deal with our assets and the begin using them to help us create wealth.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<title>Podcast 7 &#8220;Creating an Arbitrage&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=12</link>
		<comments>http://cramgroup.com/wordpress1/?p=12#comments</comments>
		<pubDate>Mon, 14 Jan 2008 18:55:44 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=12</guid>
		<description><![CDATA[Today we will learn how we can leverage our assets to create an arbitrage in order to get our assets to grow.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will learn how we can leverage our assets to create an arbitrage in order to get our assets to grow.</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will learn how we can leverage our assets to create an arbitrage in order to get our assets to grow. </itunes:subtitle>
		<itunes:summary>Today we will learn how we can leverage our assets to create an arbitrage in order to get our assets to grow.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<title>Podcast 8 &#8220;Choosing the right instrument&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=13</link>
		<comments>http://cramgroup.com/wordpress1/?p=13#comments</comments>
		<pubDate>Sat, 12 Jan 2008 18:56:44 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=13</guid>
		<description><![CDATA[Today we will look at choosing the right instrument to create our arbitrage. We will look at 16 different instruments and grade them according to our three main criteria to find the best instrument to create a safe, liquid source for our savings.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will look at choosing the right instrument to create our arbitrage. We will look at 16 different instruments and grade them according to our three main criteria to find the best instrument to create a safe, liquid source for our savings.</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at choosing the right instrument to create our arbitrage. We will look at 16 different instruments and grade them according to ...</itunes:subtitle>
		<itunes:summary>Today we will look at choosing the right instrument to create our arbitrage. We will look at 16 different instruments and grade them according to our three main criteria to find the best instrument to create a safe, liquid source for our savings.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<item>
		<title>Podcast 9 &#8220;Creating a Private Retirement Plan&#8221;</title>
		<link>http://cramgroup.com/wordpress1/?p=14</link>
		<comments>http://cramgroup.com/wordpress1/?p=14#comments</comments>
		<pubDate>Thu, 10 Jan 2008 18:57:49 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://cramgroup.com/wordpress1/?p=14</guid>
		<description><![CDATA[Today we will look at creating our private retirment plan. You will learn how to create a plan that can create tax-free income that will increase your retirment income by at least 50%.
]]></description>
			<content:encoded><![CDATA[<p id="top" />Today we will look at creating our private retirment plan. You will learn how to create a plan that can create tax-free income that will increase your retirment income by at least 50%.</p>
]]></content:encoded>
			<wfw:commentRss>http://cramgroup.com/wordpress1/?feed=rss2&amp;p=14</wfw:commentRss>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at creating our private retirment plan. You will learn how to create a plan that can create tax-free income that will ...</itunes:subtitle>
		<itunes:summary>Today we will look at creating our private retirment plan. You will learn how to create a plan that can create tax-free income that will increase your retirment income by at least 50%.</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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		<item>
		<title>Podcast 10 - Case Studies</title>
		<link>http://cramgroup.com/wordpress1/?p=15</link>
		<comments>http://cramgroup.com/wordpress1/?p=15#comments</comments>
		<pubDate>Tue, 08 Jan 2008 18:41:18 +0000</pubDate>
		<dc:creator>Marc Cram</dc:creator>
		
		<category><![CDATA[Retirement]]></category>

		<category><![CDATA[401k]]></category>

		<category><![CDATA[infinite banking]]></category>

		<category><![CDATA[ira]]></category>

		<category><![CDATA[missed fortune]]></category>

		<category><![CDATA[planning]]></category>

		<category><![CDATA[stop sitting on your assets]]></category>

		<category><![CDATA[tax free]]></category>

		<category><![CDATA[taxes]]></category>

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		<description><![CDATA[
Today we will look at 3 case studies for our Private Retirement Plan
]]></description>
			<content:encoded><![CDATA[<p id="top" />
<p>Today we will look at 3 case studies for our Private Retirement Plan</p>
]]></content:encoded>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today we will look at 3 case studies for our Private Retirement Plan
 </itunes:subtitle>
		<itunes:summary>Today we will look at 3 case studies for our Private Retirement Plan
</itunes:summary>
		<itunes:keywords>Retirement</itunes:keywords>
		<itunes:author>Marc Cram, CFP</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
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