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	<title>Your Smart Money Moves &#187; Insurance Tips</title>
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	<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>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>
				<category><![CDATA[Featured Articles]]></category>
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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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
				<category><![CDATA[At The Workplace]]></category>
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		<category><![CDATA[a financial atmosphere for the young dental professionals]]></category>
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		<category><![CDATA[oXYGen Financial Hires Financial Advice Expert For Dentists To Lead Atmos Dental Advisors]]></category>
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		<category><![CDATA[September 23rd]]></category>
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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>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/09/28/oxygen-financial-hires-financial-advice-expert-for-dentists-to-lead-atmos-dental-advisors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		<category><![CDATA[a combined insurance policy]]></category>
		<category><![CDATA[assisted-living facilities]]></category>
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		<category><![CDATA[cash value type life insurance policy combined with a long-term care rider]]></category>
		<category><![CDATA[Combined Insurance]]></category>
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		<category><![CDATA[do i need total long-term-care benefits and insurance]]></category>
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		<category><![CDATA[Tax Brackets]]></category>
		<category><![CDATA[Technology Changes]]></category>
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		<category><![CDATA[Term Care Coverage]]></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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		<slash:comments>0</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 is a must to protect your income]]></category>
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		<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>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/05/31/personal-finance-101-your-benefits-package-at-work-disability-insurance/feed/</wfw:commentRss>
		<slash:comments>0</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[the CEO of your family finances]]></category>
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		<category><![CDATA[What about group life insurance for my spouse/partner or kids?]]></category>
		<category><![CDATA[What Life Insurance Coverage is Best]]></category>
		<category><![CDATA[What Life Insurance Policy Do I need?]]></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>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[Did anything change with co-pay or in/out of network costs?]]></category>
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		<category><![CDATA[Economic Package]]></category>
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		<category><![CDATA[figure out if you have chosen the right benefits 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>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/05/09/personal-finance-101-your-benefits-package-at-work-health-insurance/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Do You Have Enough Life Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/#comments</comments>
		<pubDate>Thu, 14 Apr 2011 12:55:12 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Next Twenty Years]]></category>
		<category><![CDATA[or their ability to earn additional income to pay bills]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Present Value]]></category>
		<category><![CDATA[Question The Answer]]></category>
		<category><![CDATA[Spouse Need]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The BEST life insurance company]]></category>
		<category><![CDATA[the foremost knowledgeable professionals]]></category>
		<category><![CDATA[the life insurance the family]]></category>
		<category><![CDATA[Tragedy]]></category>
		<category><![CDATA[Trucking Company]]></category>
		<category><![CDATA[underestimating debts]]></category>
		<category><![CDATA[What is the value of my spouse’s life]]></category>
		<category><![CDATA[you probably don’t have enough life insurance]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2242</guid>
		<description><![CDATA[Here  is the scenario.  Your husband is driving  home that night on the local highway.   Out of nowhere a large truck sideswipes the car sending it reeling off  the road.  After ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I Need Pet Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/13/do-i-need-pet-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/13/do-i-need-pet-insurance/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 16:35:33 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[a smart money move in 2011]]></category>
		<category><![CDATA[Accidents]]></category>
		<category><![CDATA[bestpestinsurance.com]]></category>
		<category><![CDATA[Catastrophic Coverage]]></category>
		<category><![CDATA[Catastrophic coverage or major dog insurance]]></category>
		<category><![CDATA[Cats]]></category>
		<category><![CDATA[Checkups]]></category>
		<category><![CDATA[Chronic Co]]></category>
		<category><![CDATA[Chronic Condition coverage]]></category>
		<category><![CDATA[co-payments]]></category>
		<category><![CDATA[Contrary]]></category>
		<category><![CDATA[Deductibles]]></category>
		<category><![CDATA[Do I Need Pet Insurance?]]></category>
		<category><![CDATA[emergency visits]]></category>
		<category><![CDATA[Enrollment Time]]></category>
		<category><![CDATA[Financial Decision]]></category>
		<category><![CDATA[Genetic Condition coverage]]></category>
		<category><![CDATA[Gimmick]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance Companies]]></category>
		<category><![CDATA[insurance firm]]></category>
		<category><![CDATA[Insurances]]></category>
		<category><![CDATA[Medical Bills]]></category>
		<category><![CDATA[Medical Procedure]]></category>
		<category><![CDATA[Open Enrollment]]></category>
		<category><![CDATA[Pet Insurance]]></category>
		<category><![CDATA[professionals in giving financial advice]]></category>
		<category><![CDATA[serious financial decision]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[stability of carrier]]></category>
		<category><![CDATA[the best way to plan for medical bills]]></category>
		<category><![CDATA[Unpredictable Conditions]]></category>
		<category><![CDATA[Veterinary Bills]]></category>
		<category><![CDATA[Wellness and Routine coverage]]></category>
		<category><![CDATA[Wsj]]></category>
		<category><![CDATA[your pet’s regular care]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1956</guid>
		<description><![CDATA[A  few years ago, my sister ran into a truly awful situation.   She had  to face the music that part her family might pass way.   One of her  ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/01/13/do-i-need-pet-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Which Term Insurance Is Right For Me?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/30/which-term-insurance-is-right-for-me/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/30/which-term-insurance-is-right-for-me/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 14:17:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[5 Disaster Financial Moves]]></category>
		<category><![CDATA[5 Important Financial Questions To Ask Your Parents]]></category>
		<category><![CDATA[Age Health]]></category>
		<category><![CDATA[Convertible Term]]></category>
		<category><![CDATA[Convertible Term Insurance]]></category>
		<category><![CDATA[convertible term may actually increase your rate]]></category>
		<category><![CDATA[Death Benefit]]></category>
		<category><![CDATA[Decreasing Term Insurance]]></category>
		<category><![CDATA[Evidence Of Insurability]]></category>
		<category><![CDATA[Fixed Cost]]></category>
		<category><![CDATA[Health Condition]]></category>
		<category><![CDATA[Health Range]]></category>
		<category><![CDATA[Increment]]></category>
		<category><![CDATA[insurance in the future for estate planning]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[Insurance premium]]></category>
		<category><![CDATA[Insurance Product]]></category>
		<category><![CDATA[Length Of Time]]></category>
		<category><![CDATA[Level Term Insurance]]></category>
		<category><![CDATA[Liabilities]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Medical Status]]></category>
		<category><![CDATA[Money Move]]></category>
		<category><![CDATA[My Smart Money Moves]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Period Of Time]]></category>
		<category><![CDATA[Premiums]]></category>
		<category><![CDATA[Renewable Term Insurance]]></category>
		<category><![CDATA[Return Of Premium Insurance]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[survivor income]]></category>
		<category><![CDATA[Sweet Spot]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Insurance]]></category>
		<category><![CDATA[term insurance tied against your mortgage]]></category>
		<category><![CDATA[Top 10 Questions To Ask Your Financial Advisor]]></category>
		<category><![CDATA[Which Term Insurance Is Right For Me?]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1859</guid>
		<description><![CDATA[If you are in the market to buy  life insurance, you need to remember that not all term insurance is created  alike. Here are some key items to  remember so you can ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform Details</title>
		<link>http://www.yoursmartmoneymoves.com/2010/04/12/health-care-reform-details/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/04/12/health-care-reform-details/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:59:34 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Alpharetta Ga 30022]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[Disability Insurance]]></category>
		<category><![CDATA[Financial Insurance]]></category>
		<category><![CDATA[FREE insurance quote]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health Care Reform Details]]></category>
		<category><![CDATA[Health Savings]]></category>
		<category><![CDATA[Hypotheticals]]></category>
		<category><![CDATA[Insurance Articles]]></category>
		<category><![CDATA[Investacorp]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[oXYGen Financial Insurance Agency]]></category>
		<category><![CDATA[Plan Option]]></category>
		<category><![CDATA[quote on health insurance]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Care Insurance]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1183</guid>
		<description><![CDATA[I  have been asked over the past few weeks on what the heath care reform will mean  to you over the next number of years.   Here is a great chart put together ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Life Insurance For My Children?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 15:20:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[American Council Of Life Insurers]]></category>
		<category><![CDATA[Atlanta Insurance]]></category>
		<category><![CDATA[Be wary of “hypotheticals” in insurance policies!]]></category>
		<category><![CDATA[Burial Costs]]></category>
		<category><![CDATA[Buy Insurance]]></category>
		<category><![CDATA[Death Benefit]]></category>
		<category><![CDATA[Death Of A Child]]></category>
		<category><![CDATA[Do you need disability insurance?]]></category>
		<category><![CDATA[Evidence Of Insurability]]></category>
		<category><![CDATA[Funeral Expenses]]></category>
		<category><![CDATA[Georgia Life Insurance]]></category>
		<category><![CDATA[Group Benefits]]></category>
		<category><![CDATA[Life Insurance For Children]]></category>
		<category><![CDATA[Life Insurance Policy]]></category>
		<category><![CDATA[Long Term Care Insurance . . How Does It Work?]]></category>
		<category><![CDATA[Making a Budget]]></category>
		<category><![CDATA[oXYGen Financial is the Solution]]></category>
		<category><![CDATA[Oxygen Insurance]]></category>
		<category><![CDATA[Parents]]></category>
		<category><![CDATA[Premature Death]]></category>
		<category><![CDATA[probabilities of a child passing away]]></category>
		<category><![CDATA[Quality Group]]></category>
		<category><![CDATA[Schools Of Thought]]></category>
		<category><![CDATA[Ted]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[term insurance policies]]></category>
		<category><![CDATA[Top 5 Insurance Policies To Avoid]]></category>
		<category><![CDATA[Universal Insurance]]></category>
		<category><![CDATA[Universal Life Insurance]]></category>
		<category><![CDATA[Update Your Beneficiary Designations]]></category>
		<category><![CDATA[Wage Earner]]></category>
		<category><![CDATA[Wages]]></category>
		<category><![CDATA[Whole Life]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1042</guid>
		<description><![CDATA[Someone asked me the other day, “Ted, is it morbid to ask  you whether I should buy life insurance on my children?”   It was an interesting question, and one we  often get from ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Do you need disability insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/25/do-you-need-disability-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/25/do-you-need-disability-insurance/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 14:51:40 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Base Salary]]></category>
		<category><![CDATA[Be wary of “hypotheticals” in insurance policies!]]></category>
		<category><![CDATA[Bonus Program]]></category>
		<category><![CDATA[Certain Age]]></category>
		<category><![CDATA[Cost Of Living Increases]]></category>
		<category><![CDATA[Disability Insurance]]></category>
		<category><![CDATA[Do I need disability insurance]]></category>
		<category><![CDATA[Employer Programs]]></category>
		<category><![CDATA[Health Insurance by Arthur Benz]]></category>
		<category><![CDATA[Health Insurance- Where are we headed?]]></category>
		<category><![CDATA[Insurance Company Alpharetta GA]]></category>
		<category><![CDATA[Insurance Programs]]></category>
		<category><![CDATA[Long Term Care Insurance . . How Does It Work?]]></category>
		<category><![CDATA[M 65]]></category>
		<category><![CDATA[Maximum Payout]]></category>
		<category><![CDATA[My Beautiful Car and Its Insurance]]></category>
		<category><![CDATA[Nuances]]></category>
		<category><![CDATA[Old Job]]></category>
		<category><![CDATA[oXYGen Financial Insurance]]></category>
		<category><![CDATA[Oxygen Insurance]]></category>
		<category><![CDATA[OxygenFinancial]]></category>
		<category><![CDATA[Personal Situation]]></category>
		<category><![CDATA[Retirement Contributions]]></category>
		<category><![CDATA[Retirement Goals]]></category>
		<category><![CDATA[Short Period]]></category>
		<category><![CDATA[Small Business Owners]]></category>
		<category><![CDATA[Taxable Income]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Time Limit]]></category>
		<category><![CDATA[Top 5 Insurance Policies To Avoid]]></category>
		<category><![CDATA[Types Of Insurance]]></category>
		<category><![CDATA[Waiting Period]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1037</guid>
		<description><![CDATA[
There are many types of insurance  programs to manage these days.  Yet, one of the programs most  misunderstood by employees of companies and small business owners is  the need for disability ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 5 Insurance Policies To Avoid</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/15/top-5-insurance-policies-to-avoid/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/15/top-5-insurance-policies-to-avoid/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 14:21:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Alpharetta Ga 30022]]></category>
		<category><![CDATA[Buying Insurance]]></category>
		<category><![CDATA[Credit Life Insurance]]></category>
		<category><![CDATA[Delta Flight]]></category>
		<category><![CDATA[do i need Air Travel Life Insurance]]></category>
		<category><![CDATA[do i need Credit Life Insurance]]></category>
		<category><![CDATA[do i need Mortgage Insurance]]></category>
		<category><![CDATA[do i need Private Mortgage Insurance]]></category>
		<category><![CDATA[do i need Wedding Insurance]]></category>
		<category><![CDATA[Five Insurance Policies]]></category>
		<category><![CDATA[Georgia Insurance Company]]></category>
		<category><![CDATA[Hindsight Is 20 20]]></category>
		<category><![CDATA[Insurance Decision]]></category>
		<category><![CDATA[Insurance Decisions]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[Insurance Programs]]></category>
		<category><![CDATA[Level Term Insurance]]></category>
		<category><![CDATA[Life Insurance Coverage]]></category>
		<category><![CDATA[Major Insurance Companies]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Oxygen Insurance]]></category>
		<category><![CDATA[Permanent Life Insurance]]></category>
		<category><![CDATA[Phone Insurance]]></category>
		<category><![CDATA[Private Mortgage Insurance]]></category>
		<category><![CDATA[Safest Form Of Travel]]></category>
		<category><![CDATA[Something Fun]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Travel Life]]></category>
		<category><![CDATA[warranty for electronics items]]></category>
		<category><![CDATA[Waste Of Money]]></category>
		<category><![CDATA[Wedding Insurance]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1006</guid>
		<description><![CDATA[Doesn’t it seem like there is always  an insurance decision to make?   Whether it is from a new purchase  you make, a decision at work, or someone calling you to buy ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Savings Account Limits For 2010</title>
		<link>http://www.yoursmartmoneymoves.com/2010/02/01/health-savings-account-limits-for-2010/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/02/01/health-savings-account-limits-for-2010/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 15:30:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Alpharetta Ga 30022]]></category>
		<category><![CDATA[atlanta]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[best family medical plan]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Family Coverage]]></category>
		<category><![CDATA[HDHP]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health Savings Account]]></category>
		<category><![CDATA[Health Savings Account Limits]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[Healthcare reform]]></category>
		<category><![CDATA[High Deductible Health]]></category>
		<category><![CDATA[High Deductible Health Plan]]></category>
		<category><![CDATA[Insurance Plans]]></category>
		<category><![CDATA[Investacorp]]></category>
		<category><![CDATA[Irs Gov]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Long Term Care Insurance]]></category>
		<category><![CDATA[Medical Deductions]]></category>
		<category><![CDATA[out of pocket medical expenses]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[OxygenFinancial]]></category>
		<category><![CDATA[Reform Health]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Care Insurance]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=971</guid>
		<description><![CDATA[Health  Savings Account Limits For 2010
Many Americans  have switched over to a Health Savings Account.   This would be a  great time of the year to assess what you actually spent ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be wary of “hypotheticals” in insurance policies!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 14:15:40 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Broker Dealer]]></category>
		<category><![CDATA[buying into permanent insurance policies]]></category>
		<category><![CDATA[Dealer Member]]></category>
		<category><![CDATA[Endorsement]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Hypotheticals]]></category>
		<category><![CDATA[Illustration]]></category>
		<category><![CDATA[Illustrations]]></category>
		<category><![CDATA[Insurance Agent]]></category>
		<category><![CDATA[Insurance Policies]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[Investacorp]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Oxygen]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Permanent Insurance]]></category>
		<category><![CDATA[Rate Of Return]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Value Accounts]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=745</guid>
		<description><![CDATA[Many people consider buying into permanent insurance policies.   Almost always, I see an illustration when people bring it to me with a hypothetical illustration.   On some policies these projected illustrations carry a hypothetical rate of return of 10% to project where cash value accounts will be over the next 20 to 25 years.]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Health Insurance- Where are we headed?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/05/health-insurance-where-are-we-headed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/10/05/health-insurance-where-are-we-headed/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 13:36:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Bottom Line]]></category>
		<category><![CDATA[Business Plan]]></category>
		<category><![CDATA[Capitalism]]></category>
		<category><![CDATA[Council Of Economic Advisors]]></category>
		<category><![CDATA[Democrats]]></category>
		<category><![CDATA[Democrats verse Republicans]]></category>
		<category><![CDATA[Fruition]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[give exemptions or tax credits to businesses]]></category>
		<category><![CDATA[Group Plan]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance Companies]]></category>
		<category><![CDATA[Insurance Premiums]]></category>
		<category><![CDATA[Job Creation]]></category>
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		<category><![CDATA[Republicans]]></category>
		<category><![CDATA[Small Business Owner]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=604</guid>
		<description><![CDATA[There has been a ton of press over the past few months regarding health insurance. Democrats slamming Republicans, and Republicans slamming back Democrats.

I too have a political party.  The party of the small business owner.   We take all of our cash, put a business plan together, and work 70 to 80 hours per week creating the dream of building something that will live beyond our lifetime.   However, with all that has gone on over the past year, where is the small business owner to turn when the policies from Washington, D.C. come to fruition.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Windstorms, Hurricanes, and Tornadoes &#8211; Are You Covered?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/30/windstorms-hurricanes-and-tornadoes-are-you-covered/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/30/windstorms-hurricanes-and-tornadoes-are-you-covered/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 13:15:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Atlanta Insurance Company]]></category>
		<category><![CDATA[buying separate flood insurance]]></category>
		<category><![CDATA[Exceptions]]></category>
		<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[Geogria Insurance Company]]></category>
		<category><![CDATA[Hail Damage]]></category>
		<category><![CDATA[Handful]]></category>
		<category><![CDATA[home covered for windstorm damage]]></category>
		<category><![CDATA[Home Doesn]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[Homeowners Policies]]></category>
		<category><![CDATA[Hurricane]]></category>
		<category><![CDATA[Hurricanes And Tornadoes]]></category>
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		<category><![CDATA[Tornado]]></category>
		<category><![CDATA[Tornadoes Hurricanes]]></category>
		<category><![CDATA[Windstorm coverage insurance doesn't cover flood damage]]></category>
		<category><![CDATA[Windstorm Damage]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=583</guid>
		<description><![CDATA[Windstorms, Hurricanes, and Tornadoes--Are You Covered?

Tornadoes, hurricanes, and other windstorms can cause lots of damage to your home and its contents. But will insurance cover your losses if one of these storms strikes your home? The answer is that it depends.]]></description>
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		</item>
		<item>
		<title>Long Term Care Insurance . . How Does It Work?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/29/long-term-care-insurance-how-does-it-work/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/29/long-term-care-insurance-how-does-it-work/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 12:35:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Cognitive Disorder]]></category>
		<category><![CDATA[compare several insurance policies]]></category>
		<category><![CDATA[cost of assisted living]]></category>
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		<category><![CDATA[INVESTACORP ADVISORY SERVICES]]></category>
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		<category><![CDATA[Large Portion]]></category>
		<category><![CDATA[Long Term Care]]></category>
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		<category><![CDATA[nursing homes]]></category>
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		<category><![CDATA[People today are living longer]]></category>
		<category><![CDATA[private homes]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Care Insurance]]></category>
		<category><![CDATA[What is long-term care insurance]]></category>
		<category><![CDATA[What is the cost of long term care insurance]]></category>
		<category><![CDATA[Why you need long-term care insurance (LTCI)]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=575</guid>
		<description><![CDATA[Understanding Long-Term Care Insurance-
It's a fact: People today are living longer. Although that's good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes, and assisted living escalate, you probably wonder how you're ever going to be able to afford long-term care. One solution that is gaining in popularity is long-term care insurance (LTCI).]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Paying Too Much For Car Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/28/paying-too-much-for-car-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/28/paying-too-much-for-car-insurance/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 14:08:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=570</guid>
		<description><![CDATA[How to Save Money on Your Auto Insurance

You may have good reason to complain about the cost of your auto insurance, but have you tried to do anything about it? If you're resourceful and willing to do a little homework, there may be plenty of ways to lower your premium. And we're not necessarily talking chump change--a few simple steps can sometimes save you hundreds of dollars a year.]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Is a Health Savings Account the best medical plan option for you?</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/14/is-a-health-savings-account-the-best-medical-plan-option-for-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/09/14/is-a-health-savings-account-the-best-medical-plan-option-for-you/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 12:29:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
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		<category><![CDATA[Decisions on how to spend the money]]></category>
		<category><![CDATA[dental]]></category>
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		<category><![CDATA[Tax Basis]]></category>
		<category><![CDATA[tax-free basis can be medical]]></category>
		<category><![CDATA[The advantages of HSA’s]]></category>
		<category><![CDATA[Traditional Health Care]]></category>
		<category><![CDATA[traditional health care coverage costs]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=464</guid>
		<description><![CDATA[Health Savings Accounts (HSA’s) were approved by Congress in 2003—part of the largest expansion of government intervention in medicine in 40 years—and became law in January 2004.   Almost six years later, most American still don’t understand their health insurance choices.  You can’t overlook considering whether an HSA is right for your family.   Remember that an HSA is a different plan than the Medical Savings Accounts (MSA’s) which were introduced in 1996.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>My Beautiful Car and Its Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2009/08/19/my-beautiful-car-and-its-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/08/19/my-beautiful-car-and-its-insurance/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 12:45:53 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Accidents]]></category>
		<category><![CDATA[Beautiful Car]]></category>
		<category><![CDATA[Body Shop]]></category>
		<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Cfo]]></category>
		<category><![CDATA[Citation]]></category>
		<category><![CDATA[different body shop than what your insurance company]]></category>
		<category><![CDATA[diminished value claim]]></category>
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		<category><![CDATA[Estim]]></category>
		<category><![CDATA[file the claim with insurance company]]></category>
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		<category><![CDATA[other insurance company provide you with a rental car]]></category>
		<category><![CDATA[Oxygen]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=231</guid>
		<description><![CDATA[Cristina Briboneria Private CFO™ oXYGen Financial, Inc.
 
Request a FREE consultation: www.oxygenfinancial.net
Have you ever been in an accident? Do you have car insurance?
Last Friday, I was in an accident in a Kroger’s Parking Lot. The ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Even the Orthodontist offers coupons!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/08/03/even-the-orthodontist-offers-coupons/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/08/03/even-the-orthodontist-offers-coupons/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 12:46:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=158</guid>
		<description><![CDATA[When you start taking your child to the dentist, life is pretty good . . . until their teeth grow into their mouths. I know technology has made everything smaller today, but is it possible that they have made our kid’s mouths smaller? I have three kid’s and it turns out the dentist ‘recommends’ they all get braces in some way, shape, or form.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Insurance by Arthur Benz</title>
		<link>http://www.yoursmartmoneymoves.com/2009/07/29/health-insurance-by-arthur-benz/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/07/29/health-insurance-by-arthur-benz/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 12:33:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
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		<category><![CDATA[Choices]]></category>
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		<category><![CDATA[Health Insurance]]></category>
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		<category><![CDATA[High Blood Pressure]]></category>
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		<category><![CDATA[Oxygen]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=147</guid>
		<description><![CDATA[There are announcements almost every day of layoffs across the country. With roughly 10 percent unemployment across the United States people are concerned about their health insurance coverage. One of the things that we've been hearing is that people simply do not know whether to utilize COBRA coverage or purchase their own separate policies. written by Arthur Benz
President, oXYGen Financial Insurance, Inc.
Insurance Agency]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>IF YOU CAN’T EXPLAIN IT ON ONE PAGE . . . DON’T DO IT!!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/07/28/if-you-can%e2%80%99t-explain-it-on-one-page-don%e2%80%99t-do-it/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/07/28/if-you-can%e2%80%99t-explain-it-on-one-page-don%e2%80%99t-do-it/#comments</comments>
		<pubDate>Tue, 28 Jul 2009 13:48:53 +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=143</guid>
		<description><![CDATA[Over this past week, I've been watching many different proposals around health insurance in the United States.  In one magazine, Investors Business Daily, they had a flow chart of what the health insurance plan would look like.  It looked more like an electrical engineering chart of the Empire State Building than it did a health insurance plan.]]></description>
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		</item>
		<item>
		<title>Get your financial house in order in 2009!</title>
		<link>http://www.yoursmartmoneymoves.com/2009/03/21/get-your-financial-house-in-order-in-2009/</link>
		<comments>http://www.yoursmartmoneymoves.com/2009/03/21/get-your-financial-house-in-order-in-2009/#comments</comments>
		<pubDate>Sat, 21 Mar 2009 21:25:17 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[oXYGenFinancial Top Tens]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Bank Withdrawal]]></category>
		<category><![CDATA[Become a coupon clipper]]></category>
		<category><![CDATA[Cfp]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Create an automatic savings plan]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[Deal with your debt]]></category>
		<category><![CDATA[Declining Market]]></category>
		<category><![CDATA[Economic Downturn]]></category>
		<category><![CDATA[Entertainment Insurance]]></category>
		<category><![CDATA[Get involved in the stock market]]></category>
		<category><![CDATA[Get out of Debt]]></category>
		<category><![CDATA[Investment Account]]></category>
		<category><![CDATA[Investment Portfolios]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Long Haul]]></category>
		<category><![CDATA[Market Risk]]></category>
		<category><![CDATA[Net Worth]]></category>
		<category><![CDATA[Pay Raise]]></category>
		<category><![CDATA[Personal Economy]]></category>
		<category><![CDATA[Review your budget]]></category>
		<category><![CDATA[Review your insurance]]></category>
		<category><![CDATA[Review your portfolio]]></category>
		<category><![CDATA[Savings Account]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[top 10 tips from Oxygen Financial in 2009]]></category>
		<category><![CDATA[W-4 exemptions]]></category>

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		<description><![CDATA[Get your financial house in order in 2009! Top 10 tips from Oxygen Financial in 2009. 2009 is upon us and it's time to think about cleaning up your financial house, so here are some of Oxygen Financial's top tips to get your financial house in order:]]></description>
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