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	<title>Effortless Finance</title>
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	<description>The Effortless Way to Finance Life</description>
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		<title>Effortless Finance</title>
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		<title>My first Carnival of Personal Finance #142</title>
		<link>https://effortlessfinance.wordpress.com/2008/03/04/my-first-carnival-of-personal-finance-142/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/03/04/my-first-carnival-of-personal-finance-142/#comments</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Wed, 05 Mar 2008 02:07:24 +0000</pubDate>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Carnivals]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Housing and Home]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=27</guid>

					<description><![CDATA[My first Carnival of Personal Finance! What an exciting day! I&#8217;ve been a reader of these Carnivals for some time now and finally decided I had an article worthy of submission. There are quite a few articles this week but here are a few of my favorites: Dorian Wales from The Personal Financier gives some [&#8230;]]]></description>
		
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			<slash:comments>3</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">18</post-id>
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		<item>
		<title>Top 10 Savings Rates from Bankrate.com</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/29/top-10-savings-rates-from-bankratecom/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/29/top-10-savings-rates-from-bankratecom/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Fri, 29 Feb 2008 16:48:26 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Basics]]></category>
		<category><![CDATA[Financial Independence]]></category>
		<category><![CDATA[Getting Started]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=26</guid>

					<description><![CDATA[Bank APY Open Min Sav/MM Rating OneUnited Bank 4.60% $ 1,000 Sav 3/5 Flagstar Bank 4.25% $ 1 MM 1/5 E*Trade Bank 4.10% $ 1 Sav 2/5 Corus Bank 4.06% $ 100 MM 2/5 Amegy Bank of TX 4.03% $ 1,000 MM 4/5 UmbrellaBank.com 4.02% $ 1,000 MM 1/5 UFBDirect.com 4.00% $ 1 Sav 3/5 [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">17</post-id>
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		<item>
		<title>How to Avoid Problems While Contributing to Your IRA</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/22/how-to-avoid-problems-while-contributing-to-your-ira/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/22/how-to-avoid-problems-while-contributing-to-your-ira/#comments</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Fri, 22 Feb 2008 22:28:55 +0000</pubDate>
				<category><![CDATA[Basics]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[qualified plan]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=25</guid>

					<description><![CDATA[I work in the retirement plan business. That includes 401k, 403b, Profit Sharing Plans, Roth IRAs, Traditional IRAs, SEP IRAs, and Inherited IRAs. And I must say, not a day goes by that we don&#8217;t have to send a check back to a client or ask for a Letter of Intent describing how they want [&#8230;]]]></description>
		
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			<slash:comments>3</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">16</post-id>
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			<media:title type="html">Howie</media:title>
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		<item>
		<title>Upromise&#8230; Is it worth it?</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/20/upromise-is-it-worth-it/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/20/upromise-is-it-worth-it/#comments</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Wed, 20 Feb 2008 17:38:54 +0000</pubDate>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Getting Started]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Upromise]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=24</guid>

					<description><![CDATA[Like most college graduates, not only did I leave college with a degree, I also left with a nice healthy sized debt in the form of student loans. Ah, it&#8217;s OK. I&#8217;ll be done paying by the time I&#8217;m 48! Now that&#8217;s on the long side and only if I were to pay the minimum. [&#8230;]]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">15</post-id>
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			<media:title type="html">Howie</media:title>
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		<item>
		<title>Social Networking aka&#8230; Happy Hour</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/14/social-networking-aka-happy-hour/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/14/social-networking-aka-happy-hour/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Fri, 15 Feb 2008 00:11:54 +0000</pubDate>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Entertainment]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=18</guid>

					<description><![CDATA[Ah yes, one of the best ways to get ahead in business&#8230; shmooz. Shmoozing has become an art and the most frequent place it happens is at the bar. Companies are starting to sponsor/host bar events as a way for people who wouldn&#8217;t otherwise meet to come together. This is a good thing for those [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">13</post-id>
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			<media:title type="html">Howie</media:title>
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		<item>
		<title>eBaying debt away</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/10/ebaying-debt-away/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/10/ebaying-debt-away/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Mon, 11 Feb 2008 02:54:35 +0000</pubDate>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[eBay]]></category>
		<category><![CDATA[selling]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=17</guid>

					<description><![CDATA[I used to be quite the eBay seller in my college days. It definitely provided some easy cash for the typical college shenanigans. Recently, someone mentioned to me that I should sell some stuff to get out of debt faster or make some extra cash. I looked around for something that I could possibly get [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">12</post-id>
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			<media:title type="html">Howie</media:title>
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		<item>
		<title>Get a house or fix my eyes&#8230;</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/08/get-a-house-or-fix-my-eyes/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/08/get-a-house-or-fix-my-eyes/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Fri, 08 Feb 2008 16:47:54 +0000</pubDate>
				<category><![CDATA[Getting Started]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[laser eye surgery]]></category>
		<category><![CDATA[LASIK]]></category>
		<guid isPermaLink="false">http://howiefinance.com/?p=16</guid>

					<description><![CDATA[If you&#8217;ve read my previous posts, you know my girlfriend and I are looking for houses. We&#8217;re not in any hurry necessarily but we would like to take advantage of the current market situation. I also just recently found out my employer&#8217;s vision plan allows a 15% discount on LASIK eye surgery. I&#8217;ve wanted to [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">11</post-id>
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			<media:title type="html">Howie</media:title>
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	</item>
		<item>
		<title>What to do with that tax return&#8230;</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/05/what-to-do-with-that-tax-return/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/05/what-to-do-with-that-tax-return/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Wed, 06 Feb 2008 02:00:32 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[tax refund]]></category>
		<guid isPermaLink="false">http://howiefinance.com/2008/02/05/what-to-do-with-that-tax-return/</guid>

					<description><![CDATA[Oh what a wonderful day! Last night I filed my taxes and found out I&#8217;m getting a decent return. It&#8217;s music to my ears because I can use that to beef up my emergency fund which is not really funded at all due to a little accident in December. But this tax refund has me [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">10</post-id>
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			<media:title type="html">Howie</media:title>
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		<media:content url="http://www.freetaxrefund.org/graphics/money_in_hand.jpg" medium="image" />
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		<item>
		<title>Charitable deductions</title>
		<link>https://effortlessfinance.wordpress.com/2008/02/03/charitable-deductions/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/02/03/charitable-deductions/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Sun, 03 Feb 2008 20:08:26 +0000</pubDate>
				<category><![CDATA[Charity]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[dogs]]></category>
		<guid isPermaLink="false">http://howiefinance.com/2008/02/03/charitable-deductions/</guid>

					<description><![CDATA[It&#8217;s amazing how much a deduction working with a charity can provide. My girlfriend and I both volunteer our time, money, and home to rescuing dogs from puppy mills and shelters. We drive on average about 30 miles every weekend and occasionally during the week. Buying dog food, cleaning supplies, treats, and paying for vet [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">9</post-id>
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			<media:title type="html">Howie</media:title>
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		<item>
		<title>Fed cuts rates yet again!!!</title>
		<link>https://effortlessfinance.wordpress.com/2008/01/30/12/</link>
					<comments>https://effortlessfinance.wordpress.com/2008/01/30/12/#respond</comments>
		
		<dc:creator><![CDATA[Keith]]></dc:creator>
		<pubDate>Wed, 30 Jan 2008 19:54:59 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[fed rate]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Taxes]]></category>
		<guid isPermaLink="false">http://howiefinance.com/2008/01/30/12/</guid>

					<description><![CDATA[The Fed cut their key short-term interest rate again today. It was recently slashed to 3.5% just a week ago in an emergency move in order to possibly avoid a recession. It seems that they&#8217;re really trying to avoid it but is it good enough. With the $150 billion stimulus plan still pending in Congress, [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">8</post-id>
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			<media:title type="html">Howie</media:title>
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		<media:content url="http://i.l.cnn.net/money/2008/01/30/news/economy/fed_rate_decision/fed_rate_moves_3_small.gif" medium="image" />
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