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	<title>Dominic Sitowski, CEP, LUTCF</title>
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		<title>OPTIONS FOR TAKING MONEY OUT OF A ROTH</title>
		<link>http://domsitowski.com/options-for-taking-money-out-of-a-roth/</link>
		<comments>http://domsitowski.com/options-for-taking-money-out-of-a-roth/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 19:08:00 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[Explaining some of the intricacies of withdrawals. 
provided by Dominic Sitowski, CEP, LUTCF
Sometimes people want to access Roth IRA funds for early retirement or other purposes. Maybe you’re one of them. If you have ever thought about taking money out of a Roth IRA, be sure to consult your financial advisor first before you make [...]]]></description>
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		<title>WHAT MAKES A GOOD BANK?</title>
		<link>http://domsitowski.com/what-makes-a-good-bank/</link>
		<comments>http://domsitowski.com/what-makes-a-good-bank/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 00:52:53 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[It is surprising how many people will put their money in just any bank. All banks are not created equal, and let’s just say that some have proven more solvent than others. Besides FDIC insurance, what other characteristics should you seek – and what questions should you consider?
How close is this bank? Is there a [...]]]></description>
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		<title></title>
		<link>http://domsitowski.com/107/</link>
		<comments>http://domsitowski.com/107/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 00:54:02 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[EXTENDED HOMEBUYER CREDITS &#038; JOBLESS BENEFITS
New federal actions aid the real estate sector and the unemployed.
provided by Dominic Sitowski, CEP, LUTCF
After unanimous passage in the Senate and a 403-12 passage in the House of Representatives, President Obama signed H.R. 3548 into law on November 6. The bill extends and expands a key tax credit for [...]]]></description>
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		<title>IS IT TIME TO REWRITE YOUR TERM INSURANCE?</title>
		<link>http://domsitowski.com/is-it-time-to-rewrite-your-term-insurance/</link>
		<comments>http://domsitowski.com/is-it-time-to-rewrite-your-term-insurance/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 21:28:59 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[
Term coverage is cheap these days. Make sure you don’t pay too much.
Presented by Dominic Sitowski, CEP, LUTCF
How much are you paying for term coverage? Term life insurance today is cheaper than it has been in about 20 years, as competition has driven premiums lower and lower.1 With hundreds of insurance firms offering term policies, [...]]]></description>
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		<title>GETTING A MORTGAGE TODAY</title>
		<link>http://domsitowski.com/getting-a-mortgage-today/</link>
		<comments>http://domsitowski.com/getting-a-mortgage-today/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 21:16:36 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[What can you do to help yourself get pre-approved?
provided by Dominic Sitowski, CEP, LUTCF
Remember when getting a mortgage was easy? Now, you need pre-approval. So how can you increase your chances of passing that all-important test?
You want a lender in your corner. Sellers and agents don’t want to waste their time working with a buyer [...]]]></description>
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		<title>HEALTH CARE REFORM</title>
		<link>http://domsitowski.com/health-care-reform/</link>
		<comments>http://domsitowski.com/health-care-reform/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 22:27:30 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[The U.S. is the only developed nation without a comprehensive national health care system. President Barack Obama aims to change all that with a massive reform bill to bring health insurance to 46 million Americans without it over the next 10 years.
Huge reform, huge questions. How much will this cost? Who will pay for it? [...]]]></description>
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		<title>Dominic Sitowski, CEP, LUTCF  Presents</title>
		<link>http://domsitowski.com/dominic-sitowski-cep-lutcf-presents/</link>
		<comments>http://domsitowski.com/dominic-sitowski-cep-lutcf-presents/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 22:13:35 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[Quote of the week. “The softest things in the world overcome the hardest things in the world.” – Lao-Tzu
Is real estate recovering? Existing home sales are up for the third straight month. The National Association of Realtors had residential resales up by 3.6% in June – 0.2% under last year’s pace, but still an encouraging [...]]]></description>
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		<title></title>
		<link>http://domsitowski.com/88/</link>
		<comments>http://domsitowski.com/88/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 20:38:36 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[CHINA, JAPAN AND OUR DEBT
Will other countries keep buying our Treasuries? 
 
provided by Dominic Sitowski, CEP, LUTCF
If China and Japan change their minds, could the United States have a problem? Since 1980, the U.S. has imported more than it has exported.1 It makes up for this trade deficit by issuing Treasury bonds and other debt [...]]]></description>
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		<title>THE BIG ROLLOVER</title>
		<link>http://domsitowski.com/the-big-rollover/</link>
		<comments>http://domsitowski.com/the-big-rollover/#comments</comments>
		<pubDate>Tue, 14 Jul 2009 19:15:24 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[THE BIG ROLLOVER
What should you do with that old 401(k)?
Presented by Dominic Sitowski, CEP, LUTCF
Options, options, options … There are many misconceptions about what must be done with a 401(k) when someone leaves a company. Some people think they have to cash out their 401(k) upon leaving a job. Others think they must “roll it [...]]]></description>
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		<item>
		<title>Coping with a Layoff, &#8220;What you can do to help yourself&#8221;.</title>
		<link>http://domsitowski.com/coping-with-a-layoff-what-you-can-do-to-help-yourself/</link>
		<comments>http://domsitowski.com/coping-with-a-layoff-what-you-can-do-to-help-yourself/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 18:01:33 +0000</pubDate>
		<dc:creator>Dominic Sitowski, CEP, LUTCF</dc:creator>
				<category><![CDATA[General]]></category>

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		<description><![CDATA[You go to work and get the word … you’re being laid off. Maybe it’s no surprise. Maybe it comes as a shock. The question becomes: what now?
Basically, you have three quick to-dos: leaving work with as much money as possible, securing health insurance for the interim, and arranging unemployment benefits. Beyond these items, stay [...]]]></description>
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