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	<title>Breedlove Insurance Services</title>
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	<link>http://www.breedloveinsurance.com/blog</link>
	<description>Lovin&#039; Life</description>
	<lastBuildDate>Mon, 07 May 2012 23:32:52 +0000</lastBuildDate>
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		<title>Choosing the Best Medicare Prescription Drug Plan</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/05/07/choosing-the-best-medicare-prescription-drug-plan/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/05/07/choosing-the-best-medicare-prescription-drug-plan/#comments</comments>
		<pubDate>Mon, 07 May 2012 23:32:52 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Medicare Insurance]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=230</guid>
		<description><![CDATA[This article addresses how you can decide which Medicare Prescription Drug Plan (PDP) is the best one for you. <a href="http://www.breedloveinsurance.com/blog/index.php/2012/05/07/choosing-the-best-medicare-prescription-drug-plan/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>Life Insurance You Don&#8217;t Have to Die to Use</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/04/03/life-insurance-you-dont-have-to-die-to-use/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/04/03/life-insurance-you-dont-have-to-die-to-use/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 00:34:44 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Indexed Universal Life Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Term Insurance]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[East Bay]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Minimize taxes]]></category>
		<category><![CDATA[Orinda]]></category>
		<category><![CDATA[Term Life Insurance]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=208</guid>
		<description><![CDATA[New life insurance features allow you to get benefits from your policy while you are living. At the same time they provide all the tax advantages of life insurance to your heirs and family. It's a much better thing to do that keeping a pot of cash to cover possible long term care or critical illness expenses. <a href="http://www.breedloveinsurance.com/blog/index.php/2012/04/03/life-insurance-you-dont-have-to-die-to-use/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Personal observations about retirement &#8211; the first of a multi-part series</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/03/27/personal-observations-about-retirement-the-first-of-a-multi-part-series/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/03/27/personal-observations-about-retirement-the-first-of-a-multi-part-series/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 23:26:05 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Annuity]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[East Bay]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Orinda]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=204</guid>
		<description><![CDATA[Your retirement plan needs to change as you grow older, but you should have a plan at every stage of your career. Don't make the mistake of saying, "I can wait until tomorrow to do that."  <a href="http://www.breedloveinsurance.com/blog/index.php/2012/03/27/personal-observations-about-retirement-the-first-of-a-multi-part-series/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title></title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/02/23/195/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/02/23/195/#comments</comments>
		<pubDate>Thu, 23 Feb 2012 22:49:47 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Annuity]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Annuities]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Orinda]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=195</guid>
		<description><![CDATA[Everything we do with money can be put into only three simple categories. Read on to learn what they are and how they differ.  <a href="http://www.breedloveinsurance.com/blog/index.php/2012/02/23/195/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title></title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/02/08/188/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/02/08/188/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 23:56:04 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[Indexed Life Insurance]]></category>
		<category><![CDATA[Lamorinda]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=188</guid>
		<description><![CDATA[The old expression, “Life is short,” requires perspective to understand. A teenager hearing this thinks you’re crazy; a middle-aged person thinks you’re spot on. The decisions we make — and when we make them — can create a domino effect that can either work for us or against us.  <a href="http://www.breedloveinsurance.com/blog/index.php/2012/02/08/188/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Insuring your most valuable asset &#8230;YOU</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2012/01/13/insuring-your-most-valuable-asset-you/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2012/01/13/insuring-your-most-valuable-asset-you/#comments</comments>
		<pubDate>Sat, 14 Jan 2012 01:11:20 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Disability Insurance]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=177</guid>
		<description><![CDATA[Your most important asset is your ability to earn a living. How do you protect that? Disability insurance is probably the most essential form of insurance. Furthermore, it's not as expensive as you might expect. <a href="http://www.breedloveinsurance.com/blog/index.php/2012/01/13/insuring-your-most-valuable-asset-you/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.breedloveinsurance.com/blog/index.php/2012/01/13/insuring-your-most-valuable-asset-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make it a USA Holiday Season</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2011/11/14/make-it-a-usa-holiday-season/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2011/11/14/make-it-a-usa-holiday-season/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 15:18:37 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=161</guid>
		<description><![CDATA[Why spend money on cheaply produced goods from foreign factories when there are many, many alternatives. <a href="http://www.breedloveinsurance.com/blog/index.php/2011/11/14/make-it-a-usa-holiday-season/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.breedloveinsurance.com/blog/index.php/2011/11/14/make-it-a-usa-holiday-season/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Afford to Grow Old?</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2011/09/19/can-you-afford-to-grow-old/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2011/09/19/can-you-afford-to-grow-old/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 23:51:39 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Orinda]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=148</guid>
		<description><![CDATA[The Bay Area can't afford to grow old. Read why and what you can do about it. <a href="http://www.breedloveinsurance.com/blog/index.php/2011/09/19/can-you-afford-to-grow-old/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.breedloveinsurance.com/blog/index.php/2011/09/19/can-you-afford-to-grow-old/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Estate Planning Changes Are Affecting Business Owners</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2011/08/25/estate-planning-changes-are-affecting-business-owners/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2011/08/25/estate-planning-changes-are-affecting-business-owners/#comments</comments>
		<pubDate>Thu, 25 Aug 2011 16:20:11 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[Indexed Life Insurance]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=156</guid>
		<description><![CDATA[The San Antonio Business Journal reports that imminent changes to U.S. Estate exemptions shoudl spur individuals to engage in estate planning now. <a href="http://www.breedloveinsurance.com/blog/index.php/2011/08/25/estate-planning-changes-are-affecting-business-owners/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.breedloveinsurance.com/blog/index.php/2011/08/25/estate-planning-changes-are-affecting-business-owners/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Implications of Retirement</title>
		<link>http://www.breedloveinsurance.com/blog/index.php/2011/08/18/financial-implications-of-retirement/</link>
		<comments>http://www.breedloveinsurance.com/blog/index.php/2011/08/18/financial-implications-of-retirement/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 00:16:02 +0000</pubDate>
		<dc:creator>Jim Breedlove, MBA, PhD</dc:creator>
				<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Bay Area]]></category>
		<category><![CDATA[Contra Costa]]></category>
		<category><![CDATA[Lamorinda]]></category>
		<category><![CDATA[Orinda]]></category>

		<guid isPermaLink="false">http://www.breedloveinsurance.com/blog/?p=135</guid>
		<description><![CDATA[Do you have a PLAN for retirement? Even if you think you'll work beyond "normal" retirement age, you may not.

Consider scheduling a conversation with us to determine how to improve your plan. <a href="http://www.breedloveinsurance.com/blog/index.php/2011/08/18/financial-implications-of-retirement/">Read the rest <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.breedloveinsurance.com/blog/index.php/2011/08/18/financial-implications-of-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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