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	<title>The Madison-Press &#187; Ron Garver</title>
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	<link>http://www.madison-press.com</link>
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		<title>Retirement derailed: How economic and life events affect savings</title>
		<link>http://www.madison-press.com/2013/06/retirement-derailed-economic-life-events-affect-savings/</link>
		<comments>http://www.madison-press.com/2013/06/retirement-derailed-economic-life-events-affect-savings/#comments</comments>
		<pubDate>Tue, 11 Jun 2013 16:00:33 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[survey]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=10687</guid>
		<description><![CDATA[Recent research from various sources has uncovered an upsetting trend in financial planning in America: Many Americans nearing retirement are underprepared. But less studied are the reasons why Americans are so ill-equipped to fund this major life stage. What events have transpired to make retirement financially burdensome even for those who have long planned their [...]]]></description>
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		<item>
		<title>Calculating the real retirement number</title>
		<link>http://www.madison-press.com/2013/05/calculating-real-retirement-number/</link>
		<comments>http://www.madison-press.com/2013/05/calculating-real-retirement-number/#comments</comments>
		<pubDate>Thu, 30 May 2013 16:00:58 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[FICA]]></category>
		<category><![CDATA[primary]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=10562</guid>
		<description><![CDATA[The “million dollar” question many of those preparing for retirement ask themselves is simply stated but not necessarily easy to answer — “how much money do I need to save to secure a comfortable retirement?” In some circles, this is referred to as “the number” — that magical figure that tells pre-retirees how prepared they [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Socially responsible investing</title>
		<link>http://www.madison-press.com/2013/05/socially-responsible-investing/</link>
		<comments>http://www.madison-press.com/2013/05/socially-responsible-investing/#comments</comments>
		<pubDate>Wed, 01 May 2013 16:00:06 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[SRI]]></category>
		<category><![CDATA[Washington]]></category>
		<category><![CDATA[world]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=10287</guid>
		<description><![CDATA[As the global climate change discussions heat up in Washington, many investors are paying attention to the impact of their investments on the environment and the well being of people around the world. As this trend has increased, so has the demand for investment choices that demonstrate not only financial soundness, but also a concern [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New tax laws and your giving intentions</title>
		<link>http://www.madison-press.com/2013/04/tax-laws-giving-intentions/</link>
		<comments>http://www.madison-press.com/2013/04/tax-laws-giving-intentions/#comments</comments>
		<pubDate>Thu, 04 Apr 2013 16:00:14 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=10002</guid>
		<description><![CDATA[Most people have an organization or cause they’re passionate about, and contributing financially to nonprofit organizations may be a part of many peoples’ annual financial plans. In planning for 2013, consider the America Taxpayer Relief Act of 2012 that was part of the legislation to partially avoid the “fiscal cliff.” This legislation could have implications [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making the most of  your bonus or raise</title>
		<link>http://www.madison-press.com/2013/03/making-bonus-raise-2/</link>
		<comments>http://www.madison-press.com/2013/03/making-bonus-raise-2/#comments</comments>
		<pubDate>Thu, 14 Mar 2013 17:00:16 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9754</guid>
		<description><![CDATA[If you’re receiving a raise or a bonus this year, you may feel a little bit wealthier when you see your suddenly inflated bank account or paycheck. But it’s no secret that this money can disappear quickly. Resolve to take extra care with your bonus or raise this year and make sure to get the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making the most of  your bonus or raise</title>
		<link>http://www.madison-press.com/2013/03/making-bonus-raise/</link>
		<comments>http://www.madison-press.com/2013/03/making-bonus-raise/#comments</comments>
		<pubDate>Wed, 13 Mar 2013 15:30:34 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9750</guid>
		<description><![CDATA[If you’re receiving a raise or a bonus this year, you may feel a little bit wealthier when you see your suddenly inflated bank account or paycheck. But it’s no secret that this money can disappear quickly. Resolve to take extra care with your bonus or raise this year and make sure to get the [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/03/making-bonus-raise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Estate planning when it’s just the two of you</title>
		<link>http://www.madison-press.com/2013/03/estate-planning-it%e2%80%99s/</link>
		<comments>http://www.madison-press.com/2013/03/estate-planning-it%e2%80%99s/#comments</comments>
		<pubDate>Wed, 06 Mar 2013 17:00:04 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[primary]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9666</guid>
		<description><![CDATA[Planning for the future can take a different shape when children aren’t involved. With no braces to pay for or tuition bills to finance, couples don’t have many of the financial obligations that require resources and can impact an estate. On the other hand, these couples must plan for a future that will not include [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/03/estate-planning-it%e2%80%99s/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save for your child’s college education and your retirement</title>
		<link>http://www.madison-press.com/2013/02/save-child%e2%80%99s-college-education-retirement/</link>
		<comments>http://www.madison-press.com/2013/02/save-child%e2%80%99s-college-education-retirement/#comments</comments>
		<pubDate>Tue, 26 Feb 2013 17:00:30 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[ESA]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[Savings Plan Nearly]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9574</guid>
		<description><![CDATA[Raising children can be a very rewarding experience, but it can also be emotionally and financially complicated. The question many parents ask as their children grow into teenagers is, “how can I fund my child’s college education and save for my retirement?” This question can send even the most responsible parent into a panic — [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/02/save-child%e2%80%99s-college-education-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial disclosures you must tell your significant other</title>
		<link>http://www.madison-press.com/2013/02/financial-disclosures-significant/</link>
		<comments>http://www.madison-press.com/2013/02/financial-disclosures-significant/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 17:00:42 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Ronald Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9423</guid>
		<description><![CDATA[There are few topics of conversation that are less romantic than finances, but if your relationship is getting serious this Valentine’s Day, consider planning a date in the near future to discuss money. Understanding your own and your partner’s financial history and habits before you make a formal commitment, such as marriage, cohabitation or a [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/02/financial-disclosures-significant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it time to put your budget on a diet?</title>
		<link>http://www.madison-press.com/2013/01/time-put-budget-diet/</link>
		<comments>http://www.madison-press.com/2013/01/time-put-budget-diet/#comments</comments>
		<pubDate>Tue, 29 Jan 2013 17:00:22 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=9247</guid>
		<description><![CDATA[As we settle into the New Year, it’s the perfect time to think about self improvement. Losing a few pounds, reaching a personal goal and getting the financial house in order are all great ideas. If you’re looking to reach a financial goal in the next few years, there are many “financial diets” you can [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/01/time-put-budget-diet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>When caring for aging parents, don’t wing it</title>
		<link>http://www.madison-press.com/2013/01/caring-aging-parents-don%e2%80%99t-wing/</link>
		<comments>http://www.madison-press.com/2013/01/caring-aging-parents-don%e2%80%99t-wing/#comments</comments>
		<pubDate>Wed, 09 Jan 2013 17:00:17 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Ameriprise Financial]]></category>
		<category><![CDATA[FMLA]]></category>
		<category><![CDATA[Human Resources]]></category>
		<category><![CDATA[Ronald Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8978</guid>
		<description><![CDATA[As the boomers and their parents age, more and more family members are managing eldercare responsibilities. The emotional, physical and financial demands of caring for aging parents can be extensive. What’s more, the healthcare needs of aging parents can become overwhelmingly expensive — and may include costs that affect their family members in ways that [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/01/caring-aging-parents-don%e2%80%99t-wing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nearing retirement? Here are five financial resolutions for you</title>
		<link>http://www.madison-press.com/2013/01/nearing-retirement-financial-resolutions/</link>
		<comments>http://www.madison-press.com/2013/01/nearing-retirement-financial-resolutions/#comments</comments>
		<pubDate>Wed, 02 Jan 2013 17:00:14 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8912</guid>
		<description><![CDATA[As we said goodbye to 2012 and enter the new year, resolutions come to mind. While everyone can benefit from a year-end financial health check-up, if you’re in the final stages of your career, now is a good time to make sure you have your affairs in order. Consider adding these resolutions to your list [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2013/01/nearing-retirement-financial-resolutions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax planning in a lower tax environment</title>
		<link>http://www.madison-press.com/2012/12/tax-planning-tax-environment/</link>
		<comments>http://www.madison-press.com/2012/12/tax-planning-tax-environment/#comments</comments>
		<pubDate>Fri, 28 Dec 2012 17:00:26 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8897</guid>
		<description><![CDATA[A review of your finances before the end of the year is always a good practice, and often assessing tax-saving strategies is part of the process. This year is a particularly challenging year to do this because of the last-minute negotiations taking place around the “fiscal cliff.” This is the combination of tax increases and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Shop online with confidence this holiday season</title>
		<link>http://www.madison-press.com/2012/12/shop-online-confidence-holiday-season/</link>
		<comments>http://www.madison-press.com/2012/12/shop-online-confidence-holiday-season/#comments</comments>
		<pubDate>Wed, 19 Dec 2012 17:00:24 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[SSL]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[URL]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8820</guid>
		<description><![CDATA[The holiday season is fast approaching, and with all of the planning, celebrations, family dinners, seasonal events and — of course — gift shopping, there’s no shortage of things to do. Saving time and money throughout the holidays is a smart strategy and will help make the season more enjoyable. When it comes to shopping, [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2012/12/shop-online-confidence-holiday-season/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Consumers’ retirement confidence needs a boost</title>
		<link>http://www.madison-press.com/2012/12/consumers%e2%80%99-retirement-confidence-boost/</link>
		<comments>http://www.madison-press.com/2012/12/consumers%e2%80%99-retirement-confidence-boost/#comments</comments>
		<pubDate>Sat, 01 Dec 2012 17:00:59 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[New Retirement Mindscape]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[survey]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8647</guid>
		<description><![CDATA[As baby boomers near retirement, many are discovering that they aren’t yet financially prepared to leave their careers. Moving from a full-time job to a life of travel, volunteer work and time spent with family and friends may seem like a natural next step. For those who are still determining how they’ll fund their retirement, [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2012/12/consumers%e2%80%99-retirement-confidence-boost/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Preparing for what is called the ‘fiscal cliff’</title>
		<link>http://www.madison-press.com/2012/11/preparing-called-%e2%80%98fiscal-cliff%e2%80%99/</link>
		<comments>http://www.madison-press.com/2012/11/preparing-called-%e2%80%98fiscal-cliff%e2%80%99/#comments</comments>
		<pubDate>Sat, 24 Nov 2012 17:00:21 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Budget Control Act]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8558</guid>
		<description><![CDATA[A phrase that has found its way into our daily lexicon this year is “fiscal cliff.” It refers to a combination of Federal government spending cuts and expiring tax cuts that many fear could be a serious drag on the U.S. economy beginning at the start of 2013. These scheduled spending cuts and tax increases [...]]]></description>
		<wfw:commentRss>http://www.madison-press.com/2012/11/preparing-called-%e2%80%98fiscal-cliff%e2%80%99/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Combining finances … or not</title>
		<link>http://www.madison-press.com/2012/11/combining-finances-%e2%80%a6-2/</link>
		<comments>http://www.madison-press.com/2012/11/combining-finances-%e2%80%a6-2/#comments</comments>
		<pubDate>Thu, 22 Nov 2012 17:00:14 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[pool]]></category>
		<category><![CDATA[Ronald Garver]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8544</guid>
		<description><![CDATA[If you’re married, engaged or in a relationship where you share day-to-day expenses with a partner, broaching the topic of how to blend your finances is essential. It’s a subject every couple should discuss and revisit from time to time. For couples thinking about combining their finances for the first time, learning to communicate about [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Planning financially to adopt</title>
		<link>http://www.madison-press.com/2012/11/planning-financially-adopt-2/</link>
		<comments>http://www.madison-press.com/2012/11/planning-financially-adopt-2/#comments</comments>
		<pubDate>Wed, 14 Nov 2012 17:00:32 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Adoption Tax Credit]]></category>
		<category><![CDATA[National Adoption Day]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8463</guid>
		<description><![CDATA[Saturday, Nov. 17, is National Adoption Day. While adopting a child is one way to grow a family, it can be very expensive — with significant upfront costs. When you factor in travel and time off from work, the costs can run even higher. And for gay, lesbian and bisexual couples seeking to adopt a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Avoid going broke paying for your kids’ activities</title>
		<link>http://www.madison-press.com/2012/10/avoid-broke-paying-kids%e2%80%99-activities/</link>
		<comments>http://www.madison-press.com/2012/10/avoid-broke-paying-kids%e2%80%99-activities/#comments</comments>
		<pubDate>Fri, 19 Oct 2012 16:00:36 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Ronald Garver]]></category>
		<category><![CDATA[sports]]></category>
		<category><![CDATA[West Jefferson]]></category>

		<guid isPermaLink="false">http://www.madison-press.com/?p=8220</guid>
		<description><![CDATA[Half a decade ago, kids honed their athletic skills at the neighborhood park. Now, organized sports teams, camps and clinics have replaced parks and pick up games. What’s more the cost of youth athletics, like many consumer products, has dramatically increased. In addition to team fees, there’s often pressure to buy expensive equipment and to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>To own or to rent — recalculating in today’s housing market</title>
		<link>http://www.madison-press.com/2012/09/rent-%e2%80%94-recalculating-today%e2%80%99s-housing-market/</link>
		<comments>http://www.madison-press.com/2012/09/rent-%e2%80%94-recalculating-today%e2%80%99s-housing-market/#comments</comments>
		<pubDate>Thu, 27 Sep 2012 16:00:36 +0000</pubDate>
		<dc:creator>Ron Garver</dc:creator>
				<category><![CDATA[Ron Garver]]></category>
		<category><![CDATA[Census Bureau]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[loan]]></category>
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		<guid isPermaLink="false">http://www.madison-press.com/?p=8039</guid>
		<description><![CDATA[It used to be that the American dream included owning a home with a yard and a white picket fence. Now the pendulum seems to have swung dramatically in the other direction. Post housing bubble burst, some Americans are beginning to re-think the conventional wisdom that owning a home is a good investment — even [...]]]></description>
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