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	<title>Atlanta Planning Guys &#187; Life Insurance</title>
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	<link>http://atlantaplanningguys.com</link>
	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>The birth of a new child and … MONEY</title>
		<link>http://atlantaplanningguys.com/?p=461</link>
		<comments>http://atlantaplanningguys.com/?p=461#comments</comments>
		<pubDate>Mon, 02 Nov 2009 17:57:03 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[529 Plans]]></category>
		<category><![CDATA[529 Savings Plans]]></category>
		<category><![CDATA[College Planning]]></category>
		<category><![CDATA[College Savings]]></category>
		<category><![CDATA[College Savings Plans]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[generation-skipping gifts]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[gifting to minors]]></category>
		<category><![CDATA[investing for college]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[multi-generational wealth]]></category>
		<category><![CDATA[newborn baby]]></category>
		<category><![CDATA[Saving for College]]></category>
		<category><![CDATA[UGMA accounts]]></category>
		<category><![CDATA[UTMA]]></category>
		<category><![CDATA[wealth building]]></category>

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		<description><![CDATA[ 
A comparison of popular gifting strategies
 

Summary:
·        If the gift is meant to be used in 18 years (in the case of a college education) or more, I tend to favor strategies that are more aggressive and have the potential for a greater return
·        I will usually try to talk you out of buying a life [...]]]></description>
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		<title>Life Insurance: &#8220;Buy term and invest the difference&#8221; is dead &#8211; Reconsidering permanent insurance</title>
		<link>http://atlantaplanningguys.com/?p=428</link>
		<comments>http://atlantaplanningguys.com/?p=428#comments</comments>
		<pubDate>Mon, 26 Oct 2009 16:27:20 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[buy term and invest the difference]]></category>
		<category><![CDATA[NLPG]]></category>
		<category><![CDATA[no lapse premium guarantee]]></category>
		<category><![CDATA[Term insurance]]></category>
		<category><![CDATA[ul]]></category>
		<category><![CDATA[universal life insurance]]></category>
		<category><![CDATA[variable life insurance]]></category>
		<category><![CDATA[vul]]></category>

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		<description><![CDATA[In the 80&#8217;s and into the early 90&#8217;s there was a popular theory about life insurance:  &#8220;Buy term and invest the difference&#8221;.
Essentially, you would buy a low cost 20 year term policy and invest the difference in premium (between the term policy and that of a whole-life policy) in an investment account each month.  The [...]]]></description>
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		<title>Life Insurance: What is your &#8216;rule of thumb&#8217;?</title>
		<link>http://atlantaplanningguys.com/?p=89</link>
		<comments>http://atlantaplanningguys.com/?p=89#comments</comments>
		<pubDate>Mon, 24 Nov 2008 16:06:17 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[final needs]]></category>
		<category><![CDATA[income needs]]></category>
		<category><![CDATA[insurance analysis]]></category>
		<category><![CDATA[rule of thumb]]></category>

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Whether it is near the water cooler at work or following a pickup game at the gym you may have been told the magic formula to calculate how much life insurance you need.  Let me guess; someone told you 7 times your salary or was it twice the value of your home?  Was it $500,000 [...]]]></description>
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