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	<title>Steven A. Branson, Esq. - Financial Strategies</title>
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	<link>http://sab-esq.com</link>
	<description>Financial Issues, Tax Planning, Investment Strategies and More...</description>
	<lastBuildDate>Fri, 18 May 2012 21:08:19 +0000</lastBuildDate>
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		<item>
		<title>E-mail issues, but is it us or is it you?</title>
		<link>http://sab-esq.com/2012/05/18/e-mail-issues-but-is-it-us-or-is-it-you</link>
		<comments>http://sab-esq.com/2012/05/18/e-mail-issues-but-is-it-us-or-is-it-you#comments</comments>
		<pubDate>Fri, 18 May 2012 21:08:10 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[Other]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=723</guid>
		<description><![CDATA[Administrative: Since March, about 5 or 6 people out of 500 or so to whom we send e-mails did not receive them. The only possible issue we found on our side is that the office router/network/firewall could add something that causes recipient servers to block the message. Messages from my apartment or my iPhone seem [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2012/05/18/e-mail-issues-but-is-it-us-or-is-it-you/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Merrill Lynch Market update 2012 &#8230; and estate and financial planning reminders&#8230;.</title>
		<link>http://sab-esq.com/2012/05/18/merrill-lynch-market-update-2012-and-estate-and-financial-planning-reminders</link>
		<comments>http://sab-esq.com/2012/05/18/merrill-lynch-market-update-2012-and-estate-and-financial-planning-reminders#comments</comments>
		<pubDate>Fri, 18 May 2012 21:07:00 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=711</guid>
		<description><![CDATA[Merrill Lynch PanelWe attended the Merrill Lynch Market update 2012 last Monday. David Gergen, from the Harvard Kennedy School, moderated the panel of Danni Rodrik, of the JFK school, Glen Creamer, of Providence Equity Partners, and Chris Wolfe of Merrill Lynch (please see attached summary bios) The comment Gergen drew from the recent Duke commencement [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2012/05/18/merrill-lynch-market-update-2012-and-estate-and-financial-planning-reminders/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Update on estate planning – what should you gift now?</title>
		<link>http://sab-esq.com/2011/10/24/update-on-estate-planning-%e2%80%93-what-should-you-gift-now</link>
		<comments>http://sab-esq.com/2011/10/24/update-on-estate-planning-%e2%80%93-what-should-you-gift-now#comments</comments>
		<pubDate>Mon, 24 Oct 2011 15:53:00 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[legal issues]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[tax law]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=700</guid>
		<description><![CDATA[The estate tax law will revert to much lower credit amounts, no portablility of credits and a lower generation skipping tax if Congress does not act.  This means you need to plan now to use the $5 million gift and estate tax credit.  Contact us or your estate tax advisor to discuss which actions to take.]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/10/24/update-on-estate-planning-%e2%80%93-what-should-you-gift-now/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cash Management and Financial Planning &#8211; use your credit card for more than just purchasing</title>
		<link>http://sab-esq.com/2011/08/19/cash-management-and-financial-planning-use-your-credit-card-for-more-than-just-purchasing</link>
		<comments>http://sab-esq.com/2011/08/19/cash-management-and-financial-planning-use-your-credit-card-for-more-than-just-purchasing#comments</comments>
		<pubDate>Fri, 19 Aug 2011 22:30:24 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=668</guid>
		<description><![CDATA[Review your credit cards to see what benefits you can use beyond just purchasing or accumulating points - price protection, warranty extension, theft coverate, and more.]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/08/19/cash-management-and-financial-planning-use-your-credit-card-for-more-than-just-purchasing/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investment Strategies and short-term turmoil: sometimes it is better not to watch!</title>
		<link>http://sab-esq.com/2011/08/10/investment-strategies-and-short-term-turmoil-sometimes-it-is-better-not-to-watch</link>
		<comments>http://sab-esq.com/2011/08/10/investment-strategies-and-short-term-turmoil-sometimes-it-is-better-not-to-watch#comments</comments>
		<pubDate>Wed, 10 Aug 2011 19:22:06 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[budget crisis]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[politics impact on investing]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=657</guid>
		<description><![CDATA[Maybe the last few days of investment market turmoil need to be put in the same category along with legislation and sausage – that you don’t to watch while it’s being made…. You investments will ultimately provide returns, but you probably did not need to watch as the stock markets slid last Thursday and again [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/08/10/investment-strategies-and-short-term-turmoil-sometimes-it-is-better-not-to-watch/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keeping perspective while the debt ceiling &#8220;crisis&#8221; continues &#8230;. [essential for good investing and financial planning]</title>
		<link>http://sab-esq.com/2011/07/25/keeping-perspective-while-the-debt-ceiling-crisis-continues-essential-for-good-investing-and-financial-planning</link>
		<comments>http://sab-esq.com/2011/07/25/keeping-perspective-while-the-debt-ceiling-crisis-continues-essential-for-good-investing-and-financial-planning#comments</comments>
		<pubDate>Mon, 25 Jul 2011 20:10:32 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[Announcements]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[budget crisis]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=654</guid>
		<description><![CDATA[While Congress and the President continue the political battle on the “deb crisis,” here is more for proper perspective: First, the yield on Treasuries if falling, not rising. If there were a serious issue about the US ability to repay, then US bonds would see high rates. That is, unlike Greece, which is in real [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/07/25/keeping-perspective-while-the-debt-ceiling-crisis-continues-essential-for-good-investing-and-financial-planning/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial impact of the budget plan and planning for tax reform</title>
		<link>http://sab-esq.com/2011/07/22/financial-impact-of-the-budget-plan-and-planning-for-tax-reform</link>
		<comments>http://sab-esq.com/2011/07/22/financial-impact-of-the-budget-plan-and-planning-for-tax-reform#comments</comments>
		<pubDate>Fri, 22 Jul 2011 19:30:35 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[budget crisis]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[politics impact on investing]]></category>
		<category><![CDATA[tax law]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[tax reform]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=616</guid>
		<description><![CDATA[First, the on-going budget battle in Washington, or “the debt ceiling crisis,” should be kept in perspective. The battle is more a game of chicken, where one side will eventually blink and the ceiling increased. This political battle is not likely to have an impact on investments, as the markets have already accounted for the [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/07/22/financial-impact-of-the-budget-plan-and-planning-for-tax-reform/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Summer to do list for investing, estate planning, refiancing, tax planning, and other financial planning matters</title>
		<link>http://sab-esq.com/2011/07/10/summer-to-do-list-for-investing-estate-planning-refiancing-tax-planning-and-other-financial-planning-matters</link>
		<comments>http://sab-esq.com/2011/07/10/summer-to-do-list-for-investing-estate-planning-refiancing-tax-planning-and-other-financial-planning-matters#comments</comments>
		<pubDate>Sun, 10 Jul 2011 21:56:32 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[legal issues]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[mortgage refinancing]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[politics impact on investing]]></category>
		<category><![CDATA[Product Information]]></category>
		<category><![CDATA[tax law]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=573</guid>
		<description><![CDATA[For this summer, we have suggested financial matters for you to review: 1. Asset allocation and investments – taking all IRAs, 401(k)s and taxable accounts as a single portfolio, reviewing the allocation and checking to see if it is time to rebalance; 2. Interest rates, investing and inflation – rates are likely to stay low, [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/07/10/summer-to-do-list-for-investing-estate-planning-refiancing-tax-planning-and-other-financial-planning-matters/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time saving ideas that pay off in tax planning, investments, technology and daily routines [updated]</title>
		<link>http://sab-esq.com/2011/07/08/time-saving-ideas-that-pay-off-in-tax-planning-investments-technology-and-daily-routines</link>
		<comments>http://sab-esq.com/2011/07/08/time-saving-ideas-that-pay-off-in-tax-planning-investments-technology-and-daily-routines#comments</comments>
		<pubDate>Fri, 08 Jul 2011 22:40:40 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[Announcements]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[politics impact on investing]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=553</guid>
		<description><![CDATA[Ben Franklin taught us that “time is money”. In addition, we all know that we have limited time, so every instant is important to us. In fact, each minute involves a choice about how you spend that time. However, the best use is often hard to sort out. Moreover, tracking time minute by minutes can [...]]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/07/08/time-saving-ideas-that-pay-off-in-tax-planning-investments-technology-and-daily-routines/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market Update 2011: Globalization, Policy and Economic Growth for your Investment Planning</title>
		<link>http://sab-esq.com/2011/06/06/market-update-2011-globalization-policy-and-economic-growth-for-you-investment-planning</link>
		<comments>http://sab-esq.com/2011/06/06/market-update-2011-globalization-policy-and-economic-growth-for-you-investment-planning#comments</comments>
		<pubDate>Mon, 06 Jun 2011 13:41:32 +0000</pubDate>
		<dc:creator>steven</dc:creator>
				<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[cash and debt management]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://sab-esq.com/?p=509</guid>
		<description><![CDATA[China is the key to planning, inflation will stay low, Greece is a problem, more in terms of how it is allowed to default, the Middle East North Africa flare ups are not so much of an investment issue and investment opportunities may exist in Russia and Brazil]]></description>
		<wfw:commentRss>http://sab-esq.com/2011/06/06/market-update-2011-globalization-policy-and-economic-growth-for-you-investment-planning/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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