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	<title>Your Smart Money Moves &#187; oXYGenFinancial</title>
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	<link>http://www.yoursmartmoneymoves.com</link>
	<description>Your Smart Money Moves - The BEST Personal Finance Blog for Generation X and Y sponsored by oXYGen Financial</description>
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		<title>My College Is Worse Than The Kids Knocking On The Door</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 14:29:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3185</guid>
		<description><![CDATA[I used to fear the Girl Scouts during cookie season either knocking on my door or approaching me outside of the local supermarket targeting my goodwill to buy some of those delicious thin mint cookies.   ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>5 Tax Mistakes Business Owners Make</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:14:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[5 Tax Mistakes Business Owners Make]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179</guid>
		<description><![CDATA[Part of putting together an effective tax management strategy is gaining an understanding of what you can and cannot deduct from your tax return.   I see business owners that make mistakes every single day.  Every ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Your Taxes Will Go Up If Earn Less Than $250,000</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 22:29:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169</guid>
		<description><![CDATA[I watched the second half of the State of the Union last week.   Needless to say that after listening to the program and then all of the commentary after, it confirmed in my head how ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<item>
		<title>How Business Credit Cards Affect Your Personal Credit</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 15:25:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3084</guid>
		<description><![CDATA[Forming a new LLC, S-Corp, or C-Corp can be intimidating. Not only will you have to navigate the fees, taxes, and filing requirements, but also learn how to build credit history from scratch for this ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Words We Don’t Want To Hear: “You May Need To Save More”</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:53:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[set a goal of wanting $8000 per month of retirement income]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3077</guid>
		<description><![CDATA[I really think over the next five years the whole notion of retirement planning is going to change.   The X and Y generation don’t think about retirement the way their parents or grandparents did.   Since ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>It’s Saturday Night And There Is No Recession</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/19/its-saturday-night-and-there-is-no-recession/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/19/its-saturday-night-and-there-is-no-recession/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 18:13:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3071</guid>
		<description><![CDATA[My wife and I decided we would go out for dinner this past Saturday night.   She’s always telling me that you’ve got to make a reservation on Saturday night because things get busy and we’ll ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 16:28:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Suze Orman's Prepaid Debit card isn’t good for consumers]]></category>
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		<category><![CDATA[Tens Of Thousands]]></category>
		<category><![CDATA[The Approved Card]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051</guid>
		<description><![CDATA[It’s official.   Suze Orman is now in the game of selling financial products to consumers.    This past week she launched her new card called “The Approved Card” which is supposed to be a low cost ...]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Your Kid Has An I-Phone. . Who Pays The Data Plan?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 17:03:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Elementary Students]]></category>
		<category><![CDATA[elementary students stocked up on I-Pads]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3046</guid>
		<description><![CDATA[I’m pretty sure Apple can’t be hurting even though Steve Jobs is not at the helm anymore.   My kid’s went back to school last week and mentioned to meet the glut of Apple products that ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Much Should I Leave For A Tip?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 16:40:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[definition of tip as a small present of money given directly to someone for performing a service or task.]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3040</guid>
		<description><![CDATA[Even though I have workaholic issues, I did manage to do a few fun things with my family over the holidays.   We caught some movies, saw an Atlanta Hawks basketball game, went to the Peach ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should You Sell Your Business Now?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 15:32:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[businesses with more the 50 employees may be required to provide health care coverage]]></category>
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		<category><![CDATA[costs continue to rise for providing health care coverage for business owners]]></category>
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		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Tax Rates]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the 2012 tax code for businesses]]></category>
		<category><![CDATA[Uncertainty of health coverage as a busainess owner]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3033</guid>
		<description><![CDATA[If you have owned a business for a long period of time and were considering selling, 2012 may be year for you find a buyer to take over your shop.   The Presidential election and many ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Are Companies Going To Learn To Just Shoot Straight?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/06/when-are-companies-going-to-learn-to-just-shoot-straight/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/06/when-are-companies-going-to-learn-to-just-shoot-straight/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 17:23:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[$5 per month fee to use a debit card]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3026</guid>
		<description><![CDATA[I’m excited that 2012 is here and consumers are starting to realize that they can win the money battle when they know something is just flat out wrong with a new offering from their provider.    ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I Refinance My Mortgage?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:34:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[paying down your consumer debt quicker]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3022</guid>
		<description><![CDATA[These past couple of years many clients have asked about whether or not they should refinance their mortgage.    Along with people who have never refinanced, those that did even 18 months ago may be licking ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>FIVE Great Financial New Year&#8217;s Resolutions</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/02/five-great-financial-new-years-resolutions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/02/five-great-financial-new-years-resolutions/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:58:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[401 K Contributions]]></category>
		<category><![CDATA[5 Great Financial New Year's Resolutions]]></category>
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		<category><![CDATA[budget 2012 just like a real company would]]></category>
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		<category><![CDATA[Christmas Items]]></category>
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		<category><![CDATA[every New Year should start out with a complete review of your balance sheet]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3017</guid>
		<description><![CDATA[1). Start A Holiday Savings Account!  Now that the official New Year has begun, set up an automatic savings plan from your pay stub or an automatic transfer from your checking account into a separate ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>THE HARD TRUTH ABOUT INCOME TAXES</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 17:11:28 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Hard Truth]]></category>
		<category><![CDATA[How to pay less taxes in 2012]]></category>
		<category><![CDATA[Income Tax]]></category>
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		<category><![CDATA[the whole income tax debate]]></category>
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		<category><![CDATA[your tax management strategy]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3057</guid>
		<description><![CDATA[People think the whole income tax debate is political.  With the debt we’ve racked up as a country, it’s now become a financial issue.   Watch the hard truth on why you better start paying attention ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>What Tax Deductions Can I Take For Using My Car?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/30/what-tax-deductions-can-i-take-for-using-my-car/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/30/what-tax-deductions-can-i-take-for-using-my-car/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 15:50:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<category><![CDATA[Can I deduct mileage for your normal commute to and from work every day]]></category>
		<category><![CDATA[Car Expense]]></category>
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		<category><![CDATA[deductible car expense]]></category>
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		<category><![CDATA[Standard Mileage Rate]]></category>
		<category><![CDATA[standard mileage rate method or the actual expense method]]></category>
		<category><![CDATA[Tax Deductions]]></category>
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		<category><![CDATA[Travel Entertainment]]></category>
		<category><![CDATA[Travel Entertainment Gift and Car Expenses]]></category>
		<category><![CDATA[What car expenses can I deduct in 2011]]></category>
		<category><![CDATA[What Deductions Can I Take For Using My Car?]]></category>
		<category><![CDATA[what is the 2011 standard mileage rate]]></category>
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		<category><![CDATA[your year end tax deductions]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3009</guid>
		<description><![CDATA[As the tax year ends and you scramble to pull together your year end tax deductions, people often ask us whether they can get  a deduction for using their automobile.  It’s important to understand these ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What will you do with 2% more in your paycheck?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 17:03:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3000</guid>
		<description><![CDATA[If Santa Clause didn’t come down your chimney with anything good this year, Congress has decided to give you a stocking stuffer for the New Year.   With nearly 160 million workers that will benefit from ...]]></description>
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		</item>
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		<title>Top 5 Things To Do With Your Gift Cards</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 14:45:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2992</guid>
		<description><![CDATA[Another holiday season has passed and isn’t it ironic that many us walked away with a little loot and lot of gift cards. I guess if you don’t know what to get anymore, you’d rather ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be a Tax Pro!  Part II:  5 MORE ways to cut your 2011 personal income taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/21/be-a-tax-pro-part-ii-5-more-ways-to-cut-your-2011-personal-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/21/be-a-tax-pro-part-ii-5-more-ways-to-cut-your-2011-personal-income-taxes/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 16:47:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[5 MORE ways to cut your 2011 personal income taxes]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2984</guid>
		<description><![CDATA[Here are 5 MORE ways to cut your 2011 personal income taxes like a tax pro:
  
 1. Homeowners – accelerate your tax deductible expenses.  Pay your January 2012 mortgage payment and property taxes ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be a Tax Pro! 5 ways to cut your 2011 personal income taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 18:26:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2976</guid>
		<description><![CDATA[Here are 5 ways to cut your 2011 personal income taxes like a tax pro:
1. Review your 2011 securities sales for gains and losses – Review your capital gains and losses for the year. If ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Charitable deductions &#8211; Are these meant for donations inside our country or outside of our country?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 14:52:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2970</guid>
		<description><![CDATA[I happened to be watching 60 minutes the other evening with another interview with President Obama.   After the interview, they did a short piece on Howard Buffett who is slated to take over as Chairman ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Top 10 Movies About Making Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 14:46:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2959</guid>
		<description><![CDATA[It&#8217;s holiday time, so you might get a chance to relax and get caught up by watching a movie or two over the holidays.    Here is my list of the top 10 movies about money ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Black Friday, Cyber Monday, and Hangover January</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 14:34:41 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[effects of people spending money that they didn’t have]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2953</guid>
		<description><![CDATA[It’s official.    Everyone in America has decided we should be just like the Federal Government.    Get up and keeping adding more zeros to your debt because it just doesn’t matter.   Remember that movie many years ...]]></description>
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		</item>
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		<title>Student Loans: Use Your Cash Or Take The Loan?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 16:26:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[all of the costs of home ownership and your overall budget]]></category>
		<category><![CDATA[and 40’s]]></category>
		<category><![CDATA[bigger and better investment for your money]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2948</guid>
		<description><![CDATA[At Your Smart Money Moves, we get questions that we get from clients, through the website, or others that I see on the internet.   Here is a great one I recently came across around student ...]]></description>
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		<title>3 Simple Ways To Live The Frugal Life</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 16:18:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[and many American citizens hitting hard times]]></category>
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		<category><![CDATA[this could help you transition into living a more frugal life]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2943</guid>
		<description><![CDATA[These past few years we have seen a high level of unemployment, countless numbers of foreclosures, and many American citizens hitting hard times.  While many people are learning how to make ends meet, there can ...]]></description>
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		<title>When Your 401(k) Makes A Change On You</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 14:06:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2938</guid>
		<description><![CDATA[In the past year, many of our clients have seen changes made to their 401(k) plan.   These changes may happen from two separate businesses merging, your employer trying to save costs, or simply a change ...]]></description>
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		<title>5 Tips To A Successful Garage Sale</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 16:48:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2934</guid>
		<description><![CDATA[If you need some extra cash, one thing to consider during the holiday season (don’t wait til’ it warms up) is to have a year end garage sale.   Garage sales can be really profitable or ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; Marriage And Medical Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 14:15:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2929</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Not Even Thanksgiving Is Sacred?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/25/not-even-thanksgiving-is-sacred/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/25/not-even-thanksgiving-is-sacred/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 13:14:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2916</guid>
		<description><![CDATA[How bad are things going in the economy today? Well, nobody knows for certain amidst fears in the United States and internationally around the stability of the dollar in many countries. Thanksgiving is supposed to ...]]></description>
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		<item>
		<title>Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 13:17:33 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation?]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2924</guid>
		<description><![CDATA[One of the more recent trends in the practice of CPAs structuring entities is the idea of forming a limited liability company (LLC) under state law and then making an election under Federal tax rules ...]]></description>
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		<title>5 year-end tax strategies for your small business</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 16:29:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2908</guid>
		<description><![CDATA[It’s that time of year to start thinking about your 2011 taxes and what moves you might be able to make to save in taxes!
Here are 5 ways to cut your 2011 business taxes:
1. Equipment ...]]></description>
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		<title>5 Ways To Save Money On Thanksgiving Dinner</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 14:07:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2904</guid>
		<description><![CDATA[According to a report from the American Farm Bureau Federation, you’ll spend 13% more on Thanksgiving groceries than you did in 2010. The report also mentions how the average cost for a Thanksgiving dinner to ...]]></description>
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		<title>A Short Sale Can Be the Answer You Are Searching For</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/16/a-short-sale-can-be-the-answer-you-are-searching-for/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/16/a-short-sale-can-be-the-answer-you-are-searching-for/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 15:50:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<category><![CDATA[Rhonda Duffy is an Elite Certified Short Sale Specialist and is the ONLY Elite CDRS designated real estate broker in Georgia]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2896</guid>
		<description><![CDATA[If you choose to do nothing when effort is required, expect gravity to pull you under.  ~ Rhonda Duffy
When you have a predicament that has come upon you either by your choice or not, you ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; What Kind Of Term Insurance To Buy?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 19:18:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2888</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Don’t Get Tricked On Black Friday</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:30:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2879</guid>
		<description><![CDATA[After the turkey, the football, and the one awkward conversation with your cousin that happened to get stuck at the card table with you at the end of the big Thanksgiving table comes the second ...]]></description>
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		<title>Are Layaway Plans A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/09/are-layaway-plans-a-good-idea/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/09/are-layaway-plans-a-good-idea/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 12:25:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2858</guid>
		<description><![CDATA[Over the past 15 years, we have seen countless numbers of people put themselves in real financial trouble by using credit cards to charge items that they really couldn’t afford at the time they bought ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; Three Simple Steps To Managing Your 401K</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 13:50:31 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2816</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979. Pretty much those of you in your early 30’s to the mid 40’s. However, having given personal financial advice to thousands ...]]></description>
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		<title>The New Rule: Field Goal Bill Paying</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/04/the-new-rule-field-goal-bill-paying/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/04/the-new-rule-field-goal-bill-paying/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 13:51:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[review your bills at least once a year]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2809</guid>
		<description><![CDATA[Nobody likes paying bills.   Not longer than a few years ago, most people met the end of the month with the dreaded feeling of writing out checks and licking the back of envelopes—UGH!.   Over the ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 19:33:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[your retirement]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Happy Halloween! How about a Buy one get one FREE from the folks at Caribou Coffee today!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/31/happy-halloween-how-about-a-buy-one-get-one-free-from-the-folks-at-caribou-coffee-today/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/31/happy-halloween-how-about-a-buy-one-get-one-free-from-the-folks-at-caribou-coffee-today/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 14:07:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Money Saving Ideas]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2792</guid>
		<description><![CDATA[Caribou Coffee Posted this BOGO Coupon on their Facebook page! All you have to do is Print it out and bring it with you to your local Caribou Coffee location on Halloween to get this ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Forming the Side-Business: Tax Benefits &#8211; LLC, S-Corp, or C-Corp?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 14:24:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[very little documentation required to comply with law and to receive the liability protection and tax benefits enjoyed by the LLC]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2783</guid>
		<description><![CDATA[It is always recommended that you get liability protection if you are engaging in trade or business for the purposes of making money.  And the tax law is surprisingly generous when it comes to classifying ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Pay As You Drive Car Insurance: A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 14:43:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2777</guid>
		<description><![CDATA[Every six months you get a bill in the mail from your auto insurance company.   After your eyes glaze over 12 stapled pages of different line items of coverage and boiler plate language, you get ...]]></description>
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		<title>It’s Un-American</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 13:42:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the heart of diner-land in New Jersey]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2770</guid>
		<description><![CDATA[Since I write mostly on financial advice, investment, tax, and insurance products, from time to time I like to just have a chance to rant.   Really, just to share some observations about life or what ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>How To Lower Your 2011 Income Taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:38:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[457 plan through work]]></category>
		<category><![CDATA[charitable miles still can be written off at a rate of .14 cents here in 2011]]></category>
		<category><![CDATA[Children on payroll tax deduction]]></category>
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		<category><![CDATA[many strategies to keep your income taxes down]]></category>
		<category><![CDATA[Max out your contributions to your employer sponsored retirement plan]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2760</guid>
		<description><![CDATA[The color of the trees  are changing during the beautiful fall season, and that also means it’s time to begin thinking about strategies for minimizing your 2011 income taxes before the year has come to ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; A Vacation Or College Education</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 16:24:42 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[one of the big mistakes among Generation X parents]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2752</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Use Your 401(K) For Mortgage Payments?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 15:15:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Hardship Outlays to Protect Mortgagee Equity Act of 2011]]></category>
		<category><![CDATA[how to set up decisions that are financially responsible]]></category>
		<category><![CDATA[Johnny Isakson]]></category>
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		<category><![CDATA[Senator Johnny Isakson]]></category>
		<category><![CDATA[Senator Johnny Isakson and Representative Tom Graves introduced the HOME Act]]></category>
		<category><![CDATA[Should You Use Your 401(K) For Mortgage Payments]]></category>
		<category><![CDATA[Smart Money]]></category>
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		<category><![CDATA[The Georgia HOME Act]]></category>
		<category><![CDATA[the leading financial experts for Generation X and Y in the country]]></category>
		<category><![CDATA[the state of Georgia]]></category>
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		<category><![CDATA[Use Your 401(K) For Mortgage Payments?]]></category>
		<category><![CDATA[withdraw retirement funds from the 401(k) to make mortgage payments tax free]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2743</guid>
		<description><![CDATA[If it wasn’t already clear that most politicians don’t have the foggiest idea about how to set up decisions that are financially responsible, the state of Georgia recently had an act proposed that shows how ...]]></description>
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		<title>5 Reasons You Aren’t Rich . . . Yet</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 14:11:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2731</guid>
		<description><![CDATA[Everybody at some point of their life has that dream of having enough money to do whatever they want whenever they want irrespective of cost.   Well, even if you do think about cost, that idea ...]]></description>
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		<title>Personal Finance 101- Generation X Series- You Won’t Make Hay Forever</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/#comments</comments>
		<pubDate>Mon, 10 Oct 2011 13:11:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2723</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Thank You Steve Jobs&#8230;</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 12:55:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2711</guid>
		<description><![CDATA[Like many in the entrepreneurial community, I have always admired the innovative cutting edge approach Steve Jobs took with building the Apple brand.   It is never easy taking the path less traveled as the journey ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Personal Finance 101: Generation X Series &#8211; 5 Big Mistakes Gen X’ers Make With Their Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 15:37:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2704</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>What financial moves to make if you are recently widowed?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 16:24:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2700</guid>
		<description><![CDATA[When my father passed away many years ago, I remember how traumatic life can be for the person left picking up the pieces.   My mom was a schoolteacher, and she didn’t spend very much time ...]]></description>
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		<title>oXYGen Financial Hires Financial Advice Expert For Dentists To Lead Atmos Dental Advisors</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/28/oxygen-financial-hires-financial-advice-expert-for-dentists-to-lead-atmos-dental-advisors/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/28/oxygen-financial-hires-financial-advice-expert-for-dentists-to-lead-atmos-dental-advisors/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 14:56:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2692</guid>
		<description><![CDATA[
(ATLANTA,GA) –September 23rd, 2011- Atlanta based oXYGen Financial, a growing leader in financial services for Generation X and Y individuals and business owners, has hired Chris Sands to pioneer a new business model focused on ...]]></description>
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		<title>Is It Time To Trigger Your Stock Options?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:38:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2683</guid>
		<description><![CDATA[I worked for a Fortune 100 company for over 15 years.   When you rise through the ranks of management at a large company, they generally stop talking to you about salary and instead use the ...]]></description>
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		<title>Is An Equity Indexed Annuity A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/23/is-an-equity-indexed-annuity-a-good-idea/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/23/is-an-equity-indexed-annuity-a-good-idea/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 12:34:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2676</guid>
		<description><![CDATA[With all of the ups and downs in the stock market, many investors have been asking this question, “Is there a way to make money in the stock market and still have a way not ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Four Signs Your Job Might Be In Danger!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 13:40:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2668</guid>
		<description><![CDATA[With the high unemployment we have today in the United States, it is more important than ever to prepare financially should you be laid off from your job.  You should make sure you have a fresh ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>5 Ways To Make More Money Now</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 13:41:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2657</guid>
		<description><![CDATA[If you can’t decrease your overall expenses, then maybe it’s time to figure out how to start making more money.   You could change careers.   You could pick up a second job.  Or, you could really ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Does my credit score really matter?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[credit score of 650 was considered to be good]]></category>
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		<category><![CDATA[delinquencies can really adversely affect your overall credit score]]></category>
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		<category><![CDATA[Your credit score can be greatly improved by being consistent with the credit]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2648</guid>
		<description><![CDATA[It seems more than ever that clients are asking me the question, “does my credit score really matter?”     Your credit score has always counted, but I truly believe it will become even more important in ...]]></description>
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		<title>Personal Finance 101 &#8211; Running Your Family Profit and Loss Statement</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 14:59:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2636</guid>
		<description><![CDATA[For three years now, we have been teaching individuals and families to begin thinking about their family finances like they were running a business. We know that in every business the two major dashboards are ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Resell Your Coupons?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 13:31:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2631</guid>
		<description><![CDATA[Are you one of those people who bought a big entertainment book that sat in your glove compartment until the end of the year when you realized you used only three coupons?  Or worse yet, ...]]></description>
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		<title>It’s Time For A Real Leader To Step Up</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 14:12:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2621</guid>
		<description><![CDATA[We have begun to see the litany of new candidates who are throwing their hat in the ring to be President of The United States of America in the election next year.   Each of them ...]]></description>
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		<title>Are Diamonds as an investment an alternative to the stock market and gold?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 14:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2614</guid>
		<description><![CDATA[During a time when the only thing for certain seems to be economic uncertainty, have you considered investing in diamonds? For months now, you’ve watched your stocks and other investments see-saw while watching gold prices ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>5 Places To Put Your Money Now</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/29/5-places-to-put-your-money-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/29/5-places-to-put-your-money-now/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 14:05:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[your portfolio has to be a long-term managed asset allocation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2609</guid>
		<description><![CDATA[The recent United States credit downgrade, unsteadiness in the stock market, and overall challenging economic times have had some people asking where might be a good place to put your money now.   As always, you ...]]></description>
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		<item>
		<title>The Lifestyles Of The Rich and Famous</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/26/the-lifestyles-of-the-rich-and-famous/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/26/the-lifestyles-of-the-rich-and-famous/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 16:10:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[practical advice for the people living the lifestyles of the rich and famous]]></category>
		<category><![CDATA[Real security comes from what you have in the bank not from who you owe]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2605</guid>
		<description><![CDATA[I hoped the title of this article would grab your attention because it is really about you and your neighbors.    This article is about you and your friends from college.    It is about you and ...]]></description>
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		<title>What will credit downgrade mean to you?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/24/what-will-credit-downgrade-mean-to-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/24/what-will-credit-downgrade-mean-to-you/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 13:56:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2598</guid>
		<description><![CDATA[I waited a week to pass to the let the media frenzy subside around the recent credit downgrade.    All we needed was Tiger Woods to miss the cut at the PGA Championship this past week ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Entrepreneur Series Lesson 10 &#8211; Passion, Persistence, and Perseverance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/19/entrepreneur-series-lesson-10-passion-persistence-and-perseverance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/19/entrepreneur-series-lesson-10-passion-persistence-and-perseverance/#comments</comments>
		<pubDate>Sat, 20 Aug 2011 00:21:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Entrepreneur Series Lesson 10 - Passion]]></category>
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		<category><![CDATA[the final installment of my entrepreneur series]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2594</guid>
		<description><![CDATA[Lessons one through nine of my entrepreneur series were lessons extracted from my own business and other business owners across the country over the past twenty years.   Undoubtedly in your first year of business, you ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Personal Finance 101 &#8211; College Education Planning &#8211; What kinds of money are available?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/15/college-education-planning-what-kinds-of-money-are-available/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/15/college-education-planning-what-kinds-of-money-are-available/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 12:33:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the process of when you should be filing for financial aid]]></category>
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		<category><![CDATA[types of Stafford loans: Subsidized and Unsubsidized]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2587</guid>
		<description><![CDATA[Last article we talked about FAFSA forms, federal student loans, and the process of when you should be filing for financial aid.   Many people get confused from the multitude of different loans that are available ...]]></description>
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		</item>
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		<title>Entrepreneur Series &#8211; Lesson 9 &#8211; Execution</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/12/entrepreneur-series-lesson-9-execution/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/12/entrepreneur-series-lesson-9-execution/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 14:00:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2581</guid>
		<description><![CDATA[I remember growing my career in management with a large Fortune 500 company when my Executive Vice President told me something one day.   He said, “Ted, execution is the one thing that separates the good ...]]></description>
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		<title>Should you buy a ‘combined’ insurance policy?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/11/should-you-buy-a-%e2%80%98combined%e2%80%99-insurance-policy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/11/should-you-buy-a-%e2%80%98combined%e2%80%99-insurance-policy/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 11:52:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2575</guid>
		<description><![CDATA[As technology changes, we are always looking for the latest and best upgrades so we are on the cutting edge.  Just like the technology sector,  the world of insurance policy design and implementation is constantly ...]]></description>
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		<item>
		<title>Retirement Is A Washed Up Word</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/08/retirement-is-a-washed-up-word/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/08/retirement-is-a-washed-up-word/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 17:21:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2568</guid>
		<description><![CDATA[I’m going to perform a small magic trick here at Your Smart Money Moves.   I am going to help you reduce a huge amount of stress with the wave of my magic wand.    I want ...]]></description>
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		<title>Entrepreneur Series &#8211; Lesson 8 &#8211; The Marketing Plan</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/05/entrepreneur-series-lesson-8-the-marketing-plan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/05/entrepreneur-series-lesson-8-the-marketing-plan/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 13:37:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
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		<category><![CDATA[Entrepreneur Series - Lesson 8 - The Marketing Plan]]></category>
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		<category><![CDATA[Lesson 1 – Being Undercapitalized]]></category>
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		<category><![CDATA[Lesson 3 – Know Your Role As The Owner]]></category>
		<category><![CDATA[Lesson 4 – Avoid Rookie Mistakes]]></category>
		<category><![CDATA[Lesson 5 – You Must Hire Professional]]></category>
		<category><![CDATA[Lesson 6 – Poor Staffing Decisions]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2562</guid>
		<description><![CDATA[Marketing your products and services is the lifeblood of a new business.   While you can ultimately have all kinds of long term business strategies, without having a steady stream of new revenue your new business ...]]></description>
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		<title>I am officially couponed out!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/03/i-am-officially-couponed-out/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/03/i-am-officially-couponed-out/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 21:21:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2555</guid>
		<description><![CDATA[I don’t think couponed out is a real phrase.   But if it was, that is exactly how I think most of us would be feeling these days from the onslaught of daily deals we get.    ...]]></description>
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		<title>Personal Finance – 101 &#8211; College Education Planning &#8211; The timer is winding down</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/02/personal-finance-%e2%80%93-101-college-education-planning-the-timer-is-winding-down/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/02/personal-finance-%e2%80%93-101-college-education-planning-the-timer-is-winding-down/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 14:48:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Personal Finance – 101 - College Education Planning - The timer is winding down]]></category>
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		<category><![CDATA[Private student loans often have variable interest rates]]></category>
		<category><![CDATA[repayment of a federal loan does not begin until after the student leaves school]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2549</guid>
		<description><![CDATA[A few weeks ago I wrote two articles outlining the types of assumptions you should consider for college education within your overall financial plan.   I also shared a number of different savings vehicles you could ...]]></description>
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		<title>Entrepreneur Series &#8211; Lesson 7 &#8211; Milking The Business</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/29/entrepreneur-series-lesson-7-milking-the-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/29/entrepreneur-series-lesson-7-milking-the-business/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 18:01:31 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Lesson 2 – Incorrectly Pricing Your Product Or Service]]></category>
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		<category><![CDATA[Lesson 4 – Avoid Rookie Mistakes]]></category>
		<category><![CDATA[Lesson 5 – You Must Hire Professional]]></category>
		<category><![CDATA[Lesson 6 – Poor Staffing Decisions]]></category>
		<category><![CDATA[Make a pro forma for the year]]></category>
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		<category><![CDATA[milking your company can be a very big problem]]></category>
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		<category><![CDATA[the initial stages of business]]></category>
		<category><![CDATA[things that your business can pay for through the company]]></category>
		<category><![CDATA[to draw down your business account to zero]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2543</guid>
		<description><![CDATA[Before I opened up my own business, I spent over 10 years at a very high level of senior management for a Fortune 500 corporation. While I garnered a ton of personal and professional growth ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Does paying cash matter?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 14:50:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[becoming a slave to your possessions]]></category>
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		<category><![CDATA[cash is a very powerful emotional tool in our financial toolbox]]></category>
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		<category><![CDATA[determine what your budget is when you go shopping]]></category>
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		<category><![CDATA[the real impact paying with cash]]></category>
		<category><![CDATA[three reasons why paying cash might matter]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2534</guid>
		<description><![CDATA[I wrote a recent article about not becoming a slave to your possessions.   It made be begin to ponder the question about what kind of impact paying with cash only would make on your financial ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Are You A Slave To Your Possessions?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/25/are-you-a-slave-to-your-possessions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/25/are-you-a-slave-to-your-possessions/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 14:26:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[as hard as you work it doesn't seem like you are really making any financial progress]]></category>
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		<category><![CDATA[get your rid of your financial ball and chain]]></category>
		<category><![CDATA[great deal of stress even after making the purchase]]></category>
		<category><![CDATA[How can these people possibly afford all of these purchases]]></category>
		<category><![CDATA[how much you want your next purchase versus how much you really need it]]></category>
		<category><![CDATA[if you had to buy your home in cash would you]]></category>
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		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Loanership dollars and ownership dollars]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[watching your bank account go down the drain]]></category>
		<category><![CDATA[Whirlpool]]></category>
		<category><![CDATA[would you be able to afford the home you have today]]></category>
		<category><![CDATA[you have no debt and lots of money in the bank]]></category>
		<category><![CDATA[your own rising debt and shifting bank balances]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2528</guid>
		<description><![CDATA[You get up out of bed on Monday morning and head out for a new week of work.    As you feverishly make your way through the to do list, get ready for the big sales ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 6 &#8211; Poor Staffing Decisions</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/22/entrepreneur-series-lesson-6-poor-staffing-decisions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/22/entrepreneur-series-lesson-6-poor-staffing-decisions/#comments</comments>
		<pubDate>Fri, 22 Jul 2011 13:36:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[financial advice and Smart Money Moves to the X and Y Generation]]></category>
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		<category><![CDATA[focus on doing a thorough job during the interview process]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Have Financial and Business Questions? – Get Your Answers Here with a FREE Consultation]]></category>
		<category><![CDATA[Hiring family members]]></category>
		<category><![CDATA[How to build a set interviewing process]]></category>
		<category><![CDATA[Interviewing]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Lesson 1 – Being Undercapitalized]]></category>
		<category><![CDATA[Lesson 2 – Incorrectly Pricing Your Product Or Service]]></category>
		<category><![CDATA[Lesson 3 – Know Your Role As The Owner]]></category>
		<category><![CDATA[Lesson 4 – Avoid Rookie Mistakes]]></category>
		<category><![CDATA[Lesson 5 – You Must Hire Professional]]></category>
		<category><![CDATA[Loyalty]]></category>
		<category><![CDATA[making the right staffing decisions by putting people in the right role]]></category>
		<category><![CDATA[mistakes new entrepreneurs make]]></category>
		<category><![CDATA[No set interviewing process]]></category>
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		<category><![CDATA[the pain of making poor hiring decisions]]></category>
		<category><![CDATA[Ties]]></category>
		<category><![CDATA[Turnover]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2520</guid>
		<description><![CDATA[One of the first things I heard when I got into management in my career is the phrase “you have to put the right talent on the bus”. While I understood its meaning, it took ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Georgia Private School Tax Credit 2011</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/19/georgia-private-school-tax-credit-2011/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/19/georgia-private-school-tax-credit-2011/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 14:35:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[actually reduces your tax owed]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2515</guid>
		<description><![CDATA[A HIDDEN GEORGIA TAX CREDIT YOU DON’T WANT TO MISS FOR 2011!
Tax write-off.  Tax credit.  Heard these terms before?  Most people have.  The problem is, tax professionals and non-tax professionals alike tend to throw them ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 5 &#8211; You Must Hire Professional Consultants</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/15/entrepreneur-series-lesson-5-you-must-hire-professional-consultants/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/15/entrepreneur-series-lesson-5-you-must-hire-professional-consultants/#comments</comments>
		<pubDate>Fri, 15 Jul 2011 14:10:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Entrepreneur Series]]></category>
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		<category><![CDATA[a financial person talk to about entity planning and business structure]]></category>
		<category><![CDATA[a shoestring budget]]></category>
		<category><![CDATA[a ten part series on entrepreneurship]]></category>
		<category><![CDATA[Accountant]]></category>
		<category><![CDATA[and technology]]></category>
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		<category><![CDATA[contracts]]></category>
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		<category><![CDATA[costs for some of these professional feels like a waste of money]]></category>
		<category><![CDATA[do i need a human resources department]]></category>
		<category><![CDATA[Do you really need an outside person to do your books]]></category>
		<category><![CDATA[Employment Contracts]]></category>
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		<category><![CDATA[Entrepreneur Series – Lesson 4 – Avoid Rookie Mistakes]]></category>
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		<category><![CDATA[last thing you want in your first year in business is a lawsuit from a terminated employee]]></category>
		<category><![CDATA[Lawyer Employment]]></category>
		<category><![CDATA[Lesson 1 – Being Undercapitalized]]></category>
		<category><![CDATA[Lesson 2 – Incorrectly Pricing Your Product Or Service]]></category>
		<category><![CDATA[Lesson 3 – Know Your Role As The Owner]]></category>
		<category><![CDATA[Marketing]]></category>
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		<category><![CDATA[professionals may also be able to help you with your pro forma]]></category>
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		<category><![CDATA[really penny wise but pound foolish]]></category>
		<category><![CDATA[refinancing debt for debt]]></category>
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		<category><![CDATA[shopping bills in your business to get the best deal]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2509</guid>
		<description><![CDATA[Since many new entrepreneurial ventures are often started on a shoestring budget, where you spend your financial resources can be a prickly situation.    Far too often, I see new business owners who in some sense ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>As Coffee Prices Go Up . . .</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/13/as-coffee-prices-go-up/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/13/as-coffee-prices-go-up/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 21:51:39 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Coffee has doubled in price in the just the last two years]]></category>
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		<category><![CDATA[the price of a pound of coffee beans has more than doubled]]></category>
		<category><![CDATA[The-Cost-of-a-Cup-of-Coffee-Financial-Advice]]></category>
		<category><![CDATA[Thieves]]></category>
		<category><![CDATA[thieves stealing containers of beans]]></category>
		<category><![CDATA[Venti]]></category>
		<category><![CDATA[we are all starting to see the jump in prices for our daily goods]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2503</guid>
		<description><![CDATA[In the past year, the price of a pound of coffee beans has more than doubled on the commodities market in New York, to $2.23 a pound as of Thursday, May 24th of this year. ...]]></description>
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		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 4 &#8211; Avoid Rookie Mistakes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/08/entrepreneur-series-lesson-4-avoid-rookie-mistakes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/08/entrepreneur-series-lesson-4-avoid-rookie-mistakes/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 13:28:37 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Entrepreneur Series]]></category>
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		<category><![CDATA[a ten part series on entrepreneurship]]></category>
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		<category><![CDATA[Blow Ups]]></category>
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		<category><![CDATA[Buying Computers]]></category>
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		<category><![CDATA[Corporate Experience]]></category>
		<category><![CDATA[Decisions over a certain dollar amount in business]]></category>
		<category><![CDATA[different technology decisions to make in your first year in business]]></category>
		<category><![CDATA[Entrepreneurial Venture]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decision]]></category>
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		<category><![CDATA[Firefight]]></category>
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		<category><![CDATA[have written criteria around your interview process]]></category>
		<category><![CDATA[How TO Avoid Rookie Business Owner Mistakes]]></category>
		<category><![CDATA[How to interview to find the employees you hire in your business]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Large Crowd]]></category>
		<category><![CDATA[look closely at your pro forma]]></category>
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		<category><![CDATA[new entrepreneurs make the interviewing mistake of hiring new employees that they really like]]></category>
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		<category><![CDATA[Right Decision]]></category>
		<category><![CDATA[Rookie Mistakes]]></category>
		<category><![CDATA[Rookie Year]]></category>
		<category><![CDATA[servers]]></category>
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		<category><![CDATA[Technology Decisions]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the first year of your new entrepreneurial venture]]></category>
		<category><![CDATA[what is pro forma]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2486</guid>
		<description><![CDATA[I am not a professional athlete.  However, I would imagine that the rookie year on any of the professional sports circuits has to be daunting in nature.   Not only are you in front of some ...]]></description>
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		<title>Will These Disappear In The Next Decade?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/05/will-these-disappear-in-the-next-decade/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/05/will-these-disappear-in-the-next-decade/#comments</comments>
		<pubDate>Tue, 05 Jul 2011 15:39:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[get rid of checks by the year 2018]]></category>
		<category><![CDATA[how to find out the local news in your community]]></category>
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		<category><![CDATA[less than ten years ago Facebook wasn't even a company]]></category>
		<category><![CDATA[major cell phone carriers offer free minutes on your mobile phone]]></category>
		<category><![CDATA[maybe it’s time to go out of business]]></category>
		<category><![CDATA[model like Barnes & Noble can withstand the pressure]]></category>
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		<category><![CDATA[Most of newspapers just simply aren't profitable]]></category>
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		<category><![CDATA[Technology has made many items slowly disappear and some have become extinct]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2479</guid>
		<description><![CDATA[Technology has made many items slowly disappear and some have become extinct.   While I was vacationing in Europe, I walked past a table of ‘antique’ typewriters that I can remember using not that long ago ...]]></description>
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		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 3 &#8211; Know Your Role As The Owner</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/01/entrepreneur-series-lesson-3-know-your-role-as-the-owner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/01/entrepreneur-series-lesson-3-know-your-role-as-the-owner/#comments</comments>
		<pubDate>Fri, 01 Jul 2011 13:35:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Entrepreneur Series]]></category>
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		<category><![CDATA[Accountant]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Axis]]></category>
		<category><![CDATA[Business Owners]]></category>
		<category><![CDATA[Critical Piece]]></category>
		<category><![CDATA[Dishwasher]]></category>
		<category><![CDATA[Entrepreneur]]></category>
		<category><![CDATA[Entrepreneurs]]></category>
		<category><![CDATA[figure out what your role is as the owner of a start up]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Formal Schooling]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Know Your Role As The Business Owner]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Lesson 1 - Being Undercapitalized]]></category>
		<category><![CDATA[Lesson 2 - Incorrectly Pricing Your Product Or Service]]></category>
		<category><![CDATA[Money Advice]]></category>
		<category><![CDATA[New Business]]></category>
		<category><![CDATA[new entrepreneurs]]></category>
		<category><![CDATA[Odd Jobs]]></category>
		<category><![CDATA[one of the biggest mistakes a young business owner will make is]]></category>
		<category><![CDATA[Organization]]></category>
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		<category><![CDATA[Passion]]></category>
		<category><![CDATA[People]]></category>
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		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Series 3]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[starting a new business]]></category>
		<category><![CDATA[Success]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[ten part series on entrepreneurship]]></category>
		<category><![CDATA[the very best of entrepreneurs are]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2458</guid>
		<description><![CDATA[As an  entrepreneur starting a new business, you often have to wear the hat of cook,  dishwasher, accountant, and general manager.    However, one of the biggest mistakes a young owner will make ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101 &#8211; College Education Planning &#8211; What Types Of Savings Vehicles Can You Use? &#8211;</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/27/personal-finance-101-college-education-planning-what-types-of-savings-vehicles-can-you-use/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/27/personal-finance-101-college-education-planning-what-types-of-savings-vehicles-can-you-use/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 02:46:12 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Assumptions]]></category>
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		<category><![CDATA[Financial Advisors]]></category>
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		<category><![CDATA[financing your college education]]></category>
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		<category><![CDATA[Gentleman]]></category>
		<category><![CDATA[How to pay for college]]></category>
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		<category><![CDATA[Joe Hurley]]></category>
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		<category><![CDATA[Personal Finance 101 - College Education Planning]]></category>
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		<category><![CDATA[Uniform Gifts To Minor Act/Uniform Transfer To Minor Act (UGMA/UTMA)]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2452</guid>
		<description><![CDATA[Last week I discussed some of the assumptions you should be thinking  about when it comes to planning for the goal of paying for your children’s  college education.    Once you figure out  ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 2 &#8211; Incorrectly Pricing Your Product Or Service</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/24/entrepreneur-series-lesson-2-incorrectly-pricing-your-product-or-service/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/24/entrepreneur-series-lesson-2-incorrectly-pricing-your-product-or-service/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 13:15:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Entrepreneur Series]]></category>
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		<category><![CDATA[Choices]]></category>
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		<category><![CDATA[entrepreneurship crash course]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Floodgates]]></category>
		<category><![CDATA[focus of energy from the new business owner on client acquisition]]></category>
		<category><![CDATA[Gaining new customers]]></category>
		<category><![CDATA[generation of revenue to pay the bills of the business]]></category>
		<category><![CDATA[Incorrectly Pricing Your Product Or Service]]></category>
		<category><![CDATA[Initial Customers]]></category>
		<category><![CDATA[Initial Phase]]></category>
		<category><![CDATA[is the price right on your new product or service]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Lesson 2]]></category>
		<category><![CDATA[Money Advice]]></category>
		<category><![CDATA[New Business]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Paypal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[pricing out the services]]></category>
		<category><![CDATA[pricing out the services of your business correctly]]></category>
		<category><![CDATA[Red Herring]]></category>
		<category><![CDATA[Shop The Competition]]></category>
		<category><![CDATA[Smart Money]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[ten part series on entrepreneurship]]></category>
		<category><![CDATA[tips to determining if the price is right]]></category>
		<category><![CDATA[Top Notch]]></category>
		<category><![CDATA[Variation]]></category>
		<category><![CDATA[Where Your Competitors]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2444</guid>
		<description><![CDATA[In  the first year of a start up operation, there is a great focus of energy from  the new business owner on client acquisition.    Gaining new customers opens the floodgates for the ...]]></description>
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		<item>
		<title>Is Multi Level Marketing A Good Business?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/23/is-multi-level-marketing-a-good-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/23/is-multi-level-marketing-a-good-business/#comments</comments>
		<pubDate>Thu, 23 Jun 2011 13:32:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2438</guid>
		<description><![CDATA[I can  still remember being in my freshman year at Boston College when someone called upon me to share in  the money making opportunity of a lifetime called the ‘money tree’.     It sounded ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Personal Finance 101 &#8211; College Education Planning &#8211; What Are Your Assumptions?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/20/personal-finance-101-college-education-planning-what-are-your-assumptions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/20/personal-finance-101-college-education-planning-what-are-your-assumptions/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 20:04:06 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Assumptions]]></category>
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		<category><![CDATA[Backtrack]]></category>
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		<category><![CDATA[How do you plan to finance the college education?]]></category>
		<category><![CDATA[How much of the education do you plan to fund?]]></category>
		<category><![CDATA[Investacorp]]></category>
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		<category><![CDATA[Plan to pay for the college education]]></category>
		<category><![CDATA[rate of inflation is going to be for college costs]]></category>
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		<category><![CDATA[S College]]></category>
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		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[types of financial goals]]></category>
		<category><![CDATA[What do you think the rate of inflation is going to be for college costs?]]></category>
		<category><![CDATA[your homework on how you are going to pay for the college education]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2432</guid>
		<description><![CDATA[You get home from work one day and your child has the magical letter  to open from that college or university that you both always dreamed they would  attend.   It’s possible the school ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Entrepreneur Series &#8211; Lesson 1- Being Undercapitalized</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/17/entrepreneur-series-lesson-1-being-undercapitalized/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/17/entrepreneur-series-lesson-1-being-undercapitalized/#comments</comments>
		<pubDate>Fri, 17 Jun 2011 15:19:58 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[access to capital while growing your business]]></category>
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		<category><![CDATA[Entrepreneur Series and Lessons]]></category>
		<category><![CDATA[Entrepreneurial Venture]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[First Mistake]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Initial Outlay]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Lesson 1]]></category>
		<category><![CDATA[Lines Of Credit]]></category>
		<category><![CDATA[not having enough capital]]></category>
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		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Smart Things]]></category>
		<category><![CDATA[sufficiently fund their business venture]]></category>
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		<category><![CDATA[Tips on starting a business]]></category>
		<category><![CDATA[types of business owners]]></category>
		<category><![CDATA[Undercapitalization]]></category>
		<category><![CDATA[unforeseen business expenses]]></category>
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		<category><![CDATA[why most businesses fail]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2421</guid>
		<description><![CDATA[It’s  always exciting to think about the idea of having your own new start up.   You hear about stories where entrepreneurs  started with just $300 and a cardboard box and then turned their ...]]></description>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Can Reality TV Save You Money?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/15/can-reality-tv-save-you-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/15/can-reality-tv-save-you-money/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 15:42:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[you freak out if you don’t get your daily workout]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2413</guid>
		<description><![CDATA[I  don’t watch a ton of reality television, but I guess it is hard to ignore that  more than half the programming on network and cable channels alike are reality  based.   Programs ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Are Invited to a Free Webinar -5 STRATEGIES TO IMPROVE THE BOTTOM LINE OF YOUR BUSINESS IN 2011</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/14/you-are-invited-to-a-free-webinar/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/14/you-are-invited-to-a-free-webinar/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 18:42:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Video Learning / Media]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Best Insurance]]></category>
		<category><![CDATA[Bottom Line]]></category>
		<category><![CDATA[Ceo]]></category>
		<category><![CDATA[Cfp]]></category>
		<category><![CDATA[Client Acquisition]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[Dashboard]]></category>
		<category><![CDATA[FREE Webinar]]></category>
		<category><![CDATA[Income Taxes]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Nbsp]]></category>
		<category><![CDATA[Oxygen]]></category>
		<category><![CDATA[Reserve Your Spot]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Ted]]></category>
		<category><![CDATA[Wallet Share]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2409</guid>
		<description><![CDATA[
5 STRATEGIES TO IMPROVE THE BOTTOM LINE OF YOUR BUSINESS IN 2011
Join us as Ted Jenkin, CFP®, AWMA®, CRPC®, AAMS®, CMFC®, CRPS®, co-CEO and Founder of oXYGen Financial, discusses 5 key strategies to improve the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Risky Are You?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/13/how-risky-are-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/13/how-risky-are-you/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 13:06:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[3 Feet]]></category>
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		<category><![CDATA[amount of risk you take with your investments should be]]></category>
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		<category><![CDATA[how many years you need to stay in a particular investment]]></category>
		<category><![CDATA[Intermediate Type]]></category>
		<category><![CDATA[investments such as savings accounts]]></category>
		<category><![CDATA[Kile Lewis]]></category>
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		<category><![CDATA[Personal Finance 101]]></category>
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		<category><![CDATA[Risk Tolerance]]></category>
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		<category><![CDATA[short-term bonds]]></category>
		<category><![CDATA[Slopes]]></category>
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		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Swimming Pool]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Bonds]]></category>
		<category><![CDATA[The amount of risk you take with your investments]]></category>
		<category><![CDATA[Threshold]]></category>
		<category><![CDATA[uncertainty with the economy today]]></category>
		<category><![CDATA[what your real risk tolerance is when it comes to investing]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[Year Of Time]]></category>
		<category><![CDATA[you can begin to look at more aggressive investments such as emerging markets]]></category>
		<category><![CDATA[your real estate is down]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2404</guid>
		<description><![CDATA[Have you ever really tried to determine what your real risk tolerance is when it comes to investing? Most people by nature will tell you that they are not afraid of risk. They will tell you that ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Free Webinar &#8211; 5 STRATEGIES TO IMPROVE THE BOTTOM LINE OF YOUR BUSINESS IN 2011</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/09/free-webinar-5-strategies-to-improve-the-bottom-line-of-your-business-in-2011/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/09/free-webinar-5-strategies-to-improve-the-bottom-line-of-your-business-in-2011/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 18:53:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Video Learning / Media]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Best Insurance]]></category>
		<category><![CDATA[Bottom Line]]></category>
		<category><![CDATA[Ceo]]></category>
		<category><![CDATA[Cfp]]></category>
		<category><![CDATA[Client Acquisition]]></category>
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		<category><![CDATA[Dashboard]]></category>
		<category><![CDATA[Income Taxes]]></category>
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		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Nbsp]]></category>
		<category><![CDATA[Oxygen]]></category>
		<category><![CDATA[Reserve Your Spot]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Ted]]></category>
		<category><![CDATA[Wallet Share]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2393</guid>
		<description><![CDATA[
5 STRATEGIES TO IMPROVE THE BOTTOM LINE OF YOUR BUSINESS IN 2011
Join us as Ted Jenkin, CFP®, AWMA®, CRPC®, AAMS®, CMFC®, CRPS®, co-CEO and Founder of oXYGen Financial, discusses 5 key strategies to improve the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Just Because You Can Doesn’t Mean You Should</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/09/just-because-you-can-doesn%e2%80%99t-mean-you-should/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/09/just-because-you-can-doesn%e2%80%99t-mean-you-should/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 14:37:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[money can burn a hole in your pocket]]></category>
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		<category><![CDATA[spending run out of control on a personal level]]></category>
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		<category><![CDATA[your 401k plan has a low starting balance]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2386</guid>
		<description><![CDATA[Have  you ever heard that saying that money can burn a hole in your pocket?   Although you can find many different  meanings for this expression, over the past decade I have seen spending ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101 &#8211; Your Benefits Package At Work: The Extras</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/06/personal-finance-101-your-benefits-package-at-work-the-extras/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/06/personal-finance-101-your-benefits-package-at-work-the-extras/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 14:30:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[A basic legal plan through your employee benefits package]]></category>
		<category><![CDATA[a small business owner]]></category>
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		<category><![CDATA[an overall financial plan]]></category>
		<category><![CDATA[analyzing your overall budget]]></category>
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		<category><![CDATA[Many Different Types]]></category>
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		<category><![CDATA[Medium Size]]></category>
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		<category><![CDATA[Open Enrollment Season]]></category>
		<category><![CDATA[out of pocket costs you are spending versus what the insurance costs]]></category>
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		<category><![CDATA[Term Care Insurance]]></category>
		<category><![CDATA[the benefits package you receive from your employer]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[Your Benefits Package At Work]]></category>
		<category><![CDATA[Your benefits package is such a large part of your overall compensation plan]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2379</guid>
		<description><![CDATA[One of the  most overlooked parts of an overall financial plan is the benefits package you  receive from your employer.   Last week I  reviewed the area of disability insurance and how to ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/06/06/personal-finance-101-your-benefits-package-at-work-the-extras/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Like My Wallet</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 13:17:53 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[electronic payments will make things quicker and speedier when we go to the store]]></category>
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		<category><![CDATA[link your smartphone to your credit card]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2364</guid>
		<description><![CDATA[Google  announced Thursday of last week that they wanted their Google powered cell  phone to be your new wallet.  They  essentially announced that a new payment system will link your smartphone to ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101 &#8211; Your Benefits Package At Work: Disability Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/31/personal-finance-101-your-benefits-package-at-work-disability-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/31/personal-finance-101-your-benefits-package-at-work-disability-insurance/#comments</comments>
		<pubDate>Tue, 31 May 2011 14:13:27 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<category><![CDATA[Disability Insurance]]></category>
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		<category><![CDATA[disability insurance is a must to protect your income]]></category>
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		<category><![CDATA[What This Means]]></category>
		<category><![CDATA[Work Disability]]></category>
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		<category><![CDATA[your current group coverage]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2355</guid>
		<description><![CDATA[One of the  most overlooked parts of an overall financial plan is the benefits package you  receive from your employer.   Last week I  reviewed the areas of life insurance.     For younger ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Technology Sabbath</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/25/the-technology-sabbath/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/25/the-technology-sabbath/#comments</comments>
		<pubDate>Wed, 25 May 2011 18:18:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[a relief from technology]]></category>
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		<category><![CDATA[Have Financial Questions? – Get Your Answers Here]]></category>
		<category><![CDATA[how much technology is too much]]></category>
		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Laptop]]></category>
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		<category><![CDATA[making a long term smart money move]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2348</guid>
		<description><![CDATA[I’m  not really sure sometimes that all the technology we have has made everything  so much better.    When you walk through  the mall most people don’t make eye contact because they are ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101 &#8211; Your Benefits Package At Work: Life Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/23/personal-finance-101-your-benefits-package-at-work-life-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/23/personal-finance-101-your-benefits-package-at-work-life-insurance/#comments</comments>
		<pubDate>Mon, 23 May 2011 13:27:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[request a consultation to figure out if you have chosen the right benefits from your employer]]></category>
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		<category><![CDATA[should I take advantage of that program?]]></category>
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		<category><![CDATA[the CEO of your family finances]]></category>
		<category><![CDATA[the most overlooked parts of an overall financial plan]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[What about group life insurance for my spouse/partner or kids?]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2342</guid>
		<description><![CDATA[One of the  most overlooked parts of an overall financial plan is the benefits package you  receive from your employer.   Two weeks  ago we talked about health insurance and the decisions that ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do you know Venmo?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/16/do-you-know-venmo/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/16/do-you-know-venmo/#comments</comments>
		<pubDate>Mon, 16 May 2011 16:14:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[automatically transfer any money you receive on Venmo into your bank account]]></category>
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		<category><![CDATA[smart phones being used to help you manage bills and money]]></category>
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		<category><![CDATA[the way we handle our finances]]></category>
		<category><![CDATA[using on line bill paying through their banking institutions]]></category>
		<category><![CDATA[Venmo]]></category>
		<category><![CDATA[Venmo.com]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2334</guid>
		<description><![CDATA[Technology  is certainly shaping the way we handle our finances.  Over the past five years many people have  moved to using on line bill paying through their banking institutions.    The way we deposit ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is really cheaper?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/12/what-is-really-cheaper/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/12/what-is-really-cheaper/#comments</comments>
		<pubDate>Thu, 12 May 2011 17:53:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Rate of Inflation 2011]]></category>
		<category><![CDATA[regular inflation has continued]]></category>
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		<category><![CDATA[the cost of goods has increased]]></category>
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		<category><![CDATA[things getting cheaper anytime soon]]></category>
		<category><![CDATA[watch your income and expenses like you were running a business]]></category>
		<category><![CDATA[What is really cheaper?]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2325</guid>
		<description><![CDATA[I was having a discussion the  other day with a client of mine when we got on to the topic of rising  costs.   As you have all seen, the cost  of gas, ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/05/12/what-is-really-cheaper/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Personal Finance 101 &#8211; Your Benefits Package At Work: Health Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/09/personal-finance-101-your-benefits-package-at-work-health-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/09/personal-finance-101-your-benefits-package-at-work-health-insurance/#comments</comments>
		<pubDate>Mon, 09 May 2011 14:06:53 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
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		<category><![CDATA[Can I take advantage of a Health Savings Account plan within my employer’s plan]]></category>
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		<category><![CDATA[dental]]></category>
		<category><![CDATA[Dependent Care Expenses]]></category>
		<category><![CDATA[Did anything change with co-pay or in/out of network costs?]]></category>
		<category><![CDATA[Do my doctor’s still take this type of insurance?]]></category>
		<category><![CDATA[Economic Package]]></category>
		<category><![CDATA[employer changes insurance companies]]></category>
		<category><![CDATA[figure out if you have chosen the right benefits from your employer]]></category>
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		<category><![CDATA[reduce your tax liability for the current year]]></category>
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		<category><![CDATA[the benefits package you receive from your employer]]></category>
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		<category><![CDATA[True Value]]></category>
		<category><![CDATA[vision expenses]]></category>
		<category><![CDATA[What were my ‘real’ out of pocket medical costs for the prior year]]></category>
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		<category><![CDATA[Your Benefits Package At Work: Health Insurance]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2319</guid>
		<description><![CDATA[One of the  most overlooked parts of an overall financial plan is the benefits package you  receive from your employer.   Making  benefits decision can often be a difficult process.  Most of the ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Start Your Investment Portfolio With ‘One Share’ Of Stock</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/06/start-your-investment-portfolio-with-%e2%80%98one-share%e2%80%99-of-stock/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/06/start-your-investment-portfolio-with-%e2%80%98one-share%e2%80%99-of-stock/#comments</comments>
		<pubDate>Fri, 06 May 2011 14:38:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[purchase fractional share]]></category>
		<category><![CDATA[purchase just one share of stock in over 200 different major companies]]></category>
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		<category><![CDATA[stocks can be purchased through the OneShare site]]></category>
		<category><![CDATA[Target]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2309</guid>
		<description><![CDATA[
(source - Articles by Ted Jenkin published on IGrad.com )
With  all of the financial jargon you see today about mutual funds, exchanged traded  funds, real estate investment trusts, and target funds, it’s no ...]]></description>
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