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	<title>Comments for Your Smart Money Moves</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>
	<lastBuildDate>Thu, 17 May 2012 13:41:25 +0000</lastBuildDate>
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		<title>Comment on Are My Withholdings For Taxes Correct? by Mike Carretta</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/16/are-my-withholdings-for-taxes-correct/comment-page-1/#comment-3892</link>
		<dc:creator>Mike Carretta</dc:creator>
		<pubDate>Thu, 17 May 2012 13:41:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3476#comment-3892</guid>
		<description>Ted:

I often read and enjoy your articles.  I wish I had the same capability but everything has to be preapproved as you are aware.</description>
		<content:encoded><![CDATA[<p>Ted:</p>
<p>I often read and enjoy your articles.  I wish I had the same capability but everything has to be preapproved as you are aware.</p>
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		<title>Comment on Top 5 Celebrities Who Had Tax Problems With The IRS by Belinda</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/16/top-5-celebrities-who-had-tax-problems-with-the-irs/comment-page-1/#comment-3885</link>
		<dc:creator>Belinda</dc:creator>
		<pubDate>Wed, 16 May 2012 07:39:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3387#comment-3885</guid>
		<description>You should have included Chris Tucker and Marc Anthony in the list.

I guess there&#039;s a problem in the way the industry pays. To save their talents, why not producers pay the actors less the tax deductions? Just the same as company employees. 

And there are always willing accountants to work with celebrities. 

Regards,
Belinda</description>
		<content:encoded><![CDATA[<p>You should have included Chris Tucker and Marc Anthony in the list.</p>
<p>I guess there&#8217;s a problem in the way the industry pays. To save their talents, why not producers pay the actors less the tax deductions? Just the same as company employees. </p>
<p>And there are always willing accountants to work with celebrities. </p>
<p>Regards,<br />
Belinda</p>
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		<title>Comment on Personal Finance 101 &#8211; College Education Planning &#8211; What kinds of money are available? by The New Credit Card Problem: A College Education &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/15/college-education-planning-what-kinds-of-money-are-available/comment-page-1/#comment-3874</link>
		<dc:creator>The New Credit Card Problem: A College Education &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Mon, 14 May 2012 12:25:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2587#comment-3874</guid>
		<description>[...] ownership.   Now, I have great concerns about our future students and their ability to really afford a college education.      It’s hard to reach for the stars when you finish college feeling like you’re already [...]</description>
		<content:encoded><![CDATA[<p>[...] ownership.   Now, I have great concerns about our future students and their ability to really afford a college education.      It’s hard to reach for the stars when you finish college feeling like you’re already [...]</p>
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		<title>Comment on 5 Ways To Cut Down Your Cell Phone Bill by Guillermo Vargas Pizarro</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/03/5-ways-to-cut-down-your-cell-phone-bill/comment-page-1/#comment-3858</link>
		<dc:creator>Guillermo Vargas Pizarro</dc:creator>
		<pubDate>Mon, 07 May 2012 22:10:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3360#comment-3858</guid>
		<description>Wow incredible article, this topic about &quot;cut down cell phone payments&quot; for me is really interesting, I am lookin how to reduce my expenses and this blog can help me thanks for this valuable info.</description>
		<content:encoded><![CDATA[<p>Wow incredible article, this topic about &#8220;cut down cell phone payments&#8221; for me is really interesting, I am lookin how to reduce my expenses and this blog can help me thanks for this valuable info.</p>
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		<title>Comment on 5 Things You Won’t Hear At The College Graduation Commencement Speech by Carnival of Money Pros &#187; Financial Success for Young Adults</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/30/5-things-you-wont-hear-at-the-college-graduation-commencement-speech/comment-page-1/#comment-3852</link>
		<dc:creator>Carnival of Money Pros &#187; Financial Success for Young Adults</dc:creator>
		<pubDate>Sun, 06 May 2012 22:01:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3425#comment-3852</guid>
		<description>[...] Jenkin @ Your Smart Money Moves writes 5 Things You Won’t Hear At The College Graduation Commencement Speech &#8211; It’s been over 20 years since I heard my college graduation commencement speech. I [...]</description>
		<content:encoded><![CDATA[<p>[...] Jenkin @ Your Smart Money Moves writes 5 Things You Won’t Hear At The College Graduation Commencement Speech &#8211; It’s been over 20 years since I heard my college graduation commencement speech. I [...]</p>
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		<title>Comment on Personal Finance 101: Generation X &#8211; You Just Turned 40: Last Time To Get Life Insurance? by John</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/23/personal-finance-101-generation-x-you-just-turned-40-last-time-to-get-life-insurance/comment-page-1/#comment-3847</link>
		<dc:creator>John</dc:creator>
		<pubDate>Sat, 05 May 2012 01:37:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3399#comment-3847</guid>
		<description>The permanent insurance thing is tough. Right now, we carry over a million dollars in term insurance, which would more than care for our daughter. It&#039;s a great deal, but I just can&#039;t see how we can swing the permanent with our budget being what it is.</description>
		<content:encoded><![CDATA[<p>The permanent insurance thing is tough. Right now, we carry over a million dollars in term insurance, which would more than care for our daughter. It&#8217;s a great deal, but I just can&#8217;t see how we can swing the permanent with our budget being what it is.</p>
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		<title>Comment on How Much Do I Give For A Wedding Gift? by Karin @ HR Degree Directory</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/27/how-much-do-i-give-for-a-wedding-gift/comment-page-1/#comment-3845</link>
		<dc:creator>Karin @ HR Degree Directory</dc:creator>
		<pubDate>Thu, 03 May 2012 03:27:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3416#comment-3845</guid>
		<description>How much am I willing to give is too subjective :) Well, it depends on how fond am I of the couple. If I like them, I can give %25 worth of gift, if I dislike one of the partners, $19, If I don&#039;t like both of them, I give $12 just for the sake of giving.</description>
		<content:encoded><![CDATA[<p>How much am I willing to give is too subjective :) Well, it depends on how fond am I of the couple. If I like them, I can give %25 worth of gift, if I dislike one of the partners, $19, If I don&#8217;t like both of them, I give $12 just for the sake of giving.</p>
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		<title>Comment on 6 Potential Red Flags That Can Get You Audited? by Jovan</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/comment-page-1/#comment-3836</link>
		<dc:creator>Jovan</dc:creator>
		<pubDate>Sun, 29 Apr 2012 14:11:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3367#comment-3836</guid>
		<description>The following pagrraaph is taken from an IRS publication regarding Itemized Deductions.Medical expenses include insurance premiums paid for accident and health or qualified long-term care insurance. You may not deduct insurance premiums for life insurance, for policies providing for loss of wages because of illness or injury, or policies that pay you a guaranteed amount each week for a sickness. In addition, the deduction for a qualified long–term care insurance policy&#039;s premium is limited. Refer to Publication 502 , Medical and Dental Expenses.</description>
		<content:encoded><![CDATA[<p>The following pagrraaph is taken from an IRS publication regarding Itemized Deductions.Medical expenses include insurance premiums paid for accident and health or qualified long-term care insurance. You may not deduct insurance premiums for life insurance, for policies providing for loss of wages because of illness or injury, or policies that pay you a guaranteed amount each week for a sickness. In addition, the deduction for a qualified long–term care insurance policy&#8217;s premium is limited. Refer to Publication 502 , Medical and Dental Expenses.</p>
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		<title>Comment on 6 Potential Red Flags That Can Get You Audited? by Luchy</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/comment-page-1/#comment-3835</link>
		<dc:creator>Luchy</dc:creator>
		<pubDate>Sun, 29 Apr 2012 13:00:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3367#comment-3835</guid>
		<description>Yes. Ins premium, dotcor visits, prescription drugs, contact lenses, and necessarily surgery or purchases are deductible. Over the counter drugs and unnecessarily surgery like boob jobs are not.You add them all up, substract any medical reimb and thats your medical tax deduction. but it is limited to 7.5% of your Adjusted Gross Income (which is your income   adjustments), so if you make too much money you most likely cant take the benefit. If you want to save more money, add in you over the counter drugs.</description>
		<content:encoded><![CDATA[<p>Yes. Ins premium, dotcor visits, prescription drugs, contact lenses, and necessarily surgery or purchases are deductible. Over the counter drugs and unnecessarily surgery like boob jobs are not.You add them all up, substract any medical reimb and thats your medical tax deduction. but it is limited to 7.5% of your Adjusted Gross Income (which is your income   adjustments), so if you make too much money you most likely cant take the benefit. If you want to save more money, add in you over the counter drugs.</p>
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		<title>Comment on I Need A Budget! Where Do I Start? by Yakezie Carnival - Earth Day 2012 Edition - The Frugal Toad</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/18/i-need-a-budget-where-do-i-start/comment-page-1/#comment-3833</link>
		<dc:creator>Yakezie Carnival - Earth Day 2012 Edition - The Frugal Toad</dc:creator>
		<pubDate>Sun, 29 Apr 2012 10:11:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3391#comment-3833</guid>
		<description>[...] will be part of the mass-transit wave of the future.Ted Jenkin @ Your Smart Money Moves writes I Need A Budget! Where Do I Start? &#8211; Whether you are 22 years old or 52 years old, you are truly the CEO of your family [...]</description>
		<content:encoded><![CDATA[<p>[...] will be part of the mass-transit wave of the future.Ted Jenkin @ Your Smart Money Moves writes I Need A Budget! Where Do I Start? &#8211; Whether you are 22 years old or 52 years old, you are truly the CEO of your family [...]</p>
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		<title>Comment on I Need A Budget! Where Do I Start? by Best Money Blog Posts of the Week - Money Wise Pastor</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/18/i-need-a-budget-where-do-i-start/comment-page-1/#comment-3826</link>
		<dc:creator>Best Money Blog Posts of the Week - Money Wise Pastor</dc:creator>
		<pubDate>Sat, 28 Apr 2012 05:16:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3391#comment-3826</guid>
		<description>[...] Your Smart Money Moves provides easy to follow answers to the question, &#8220;I need a budget:  where do I start?&#8221; [...]</description>
		<content:encoded><![CDATA[<p>[...] Your Smart Money Moves provides easy to follow answers to the question, &#8220;I need a budget:  where do I start?&#8221; [...]</p>
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		<title>Comment on Top 5 Celebrities Who Had Tax Problems With The IRS by Vince Decker</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/16/top-5-celebrities-who-had-tax-problems-with-the-irs/comment-page-1/#comment-3824</link>
		<dc:creator>Vince Decker</dc:creator>
		<pubDate>Fri, 27 Apr 2012 19:47:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3387#comment-3824</guid>
		<description>Greedy people like fattened hogs go to the slaughterhouse, period.  No free pass, no get out of jail, no special treatment.  Celebrities should know they are being watched very carefully.  As a seasoned 25 year Tax Pro (CPA, M. S. Taxation) I find it very difficult why these Celebs can&#039;t figure it out.  They are skating on thin ice, now and always!  Hire the best to protect what you hold dear...</description>
		<content:encoded><![CDATA[<p>Greedy people like fattened hogs go to the slaughterhouse, period.  No free pass, no get out of jail, no special treatment.  Celebrities should know they are being watched very carefully.  As a seasoned 25 year Tax Pro (CPA, M. S. Taxation) I find it very difficult why these Celebs can&#8217;t figure it out.  They are skating on thin ice, now and always!  Hire the best to protect what you hold dear&#8230;</p>
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		<title>Comment on Georgia Residents: Should You Buy A Car This Year or Next Year? by Turner</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/comment-page-1/#comment-3814</link>
		<dc:creator>Turner</dc:creator>
		<pubDate>Thu, 26 Apr 2012 14:32:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3381#comment-3814</guid>
		<description>http://www.ajc.com/news/georgia-government/annual-car-tax-nears-1404499.html</description>
		<content:encoded><![CDATA[<p><a href="http://www.ajc.com/news/georgia-government/annual-car-tax-nears-1404499.html" rel="nofollow">http://www.ajc.com/news/georgia-government/annual-car-tax-nears-1404499.html</a></p>
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		<title>Comment on Georgia Residents: Should You Buy A Car This Year or Next Year? by Turner</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/comment-page-1/#comment-3813</link>
		<dc:creator>Turner</dc:creator>
		<pubDate>Thu, 26 Apr 2012 14:19:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3381#comment-3813</guid>
		<description>I think you need to update your information.  There was a provision included that grandfathered cars purchased this year so as not to impact car sales for this year.</description>
		<content:encoded><![CDATA[<p>I think you need to update your information.  There was a provision included that grandfathered cars purchased this year so as not to impact car sales for this year.</p>
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		<title>Comment on Georgia Residents: Should You Buy A Car This Year or Next Year? by Chris</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/comment-page-1/#comment-3801</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Wed, 25 Apr 2012 16:01:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3381#comment-3801</guid>
		<description>Ted, I listened to your segment on this on TRG Tuesday morning. How does this new law affect those of us that lease vehicles? I have a lease ending May 2013 and I&#039;m curious to know how it may impact my next lease.

Thanks</description>
		<content:encoded><![CDATA[<p>Ted, I listened to your segment on this on TRG Tuesday morning. How does this new law affect those of us that lease vehicles? I have a lease ending May 2013 and I&#8217;m curious to know how it may impact my next lease.</p>
<p>Thanks</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; A Vacation Or College Education by Your Kid Just Received A National Award and a 3000 Thousand Dollar Bill! &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/comment-page-1/#comment-3799</link>
		<dc:creator>Your Kid Just Received A National Award and a 3000 Thousand Dollar Bill! &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 25 Apr 2012 13:35:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2752#comment-3799</guid>
		<description>[...] up their award and get a fabulous experience all for the mere cost of $3,295.    There goes the family vacation this [...]</description>
		<content:encoded><![CDATA[<p>[...] up their award and get a fabulous experience all for the mere cost of $3,295.    There goes the family vacation this [...]</p>
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		<title>Comment on Georgia Residents: Should You Buy A Car This Year or Next Year? by Tom</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/comment-page-1/#comment-3791</link>
		<dc:creator>Tom</dc:creator>
		<pubDate>Tue, 24 Apr 2012 12:21:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3381#comment-3791</guid>
		<description>Where&#039;s the free gas card?</description>
		<content:encoded><![CDATA[<p>Where&#8217;s the free gas card?</p>
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		<title>Comment on Top 5 Celebrities Who Had Tax Problems With The IRS by Mike</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/16/top-5-celebrities-who-had-tax-problems-with-the-irs/comment-page-1/#comment-3771</link>
		<dc:creator>Mike</dc:creator>
		<pubDate>Sat, 21 Apr 2012 19:53:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3387#comment-3771</guid>
		<description>Why is this so difficult?  Pay your taxes - or better yet - hire an accountant to handle your money.  I just dont understand.</description>
		<content:encoded><![CDATA[<p>Why is this so difficult?  Pay your taxes &#8211; or better yet &#8211; hire an accountant to handle your money.  I just dont understand.</p>
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		<title>Comment on Is Your Homeowner’s Insurance Going To Cost You More Than A Few Shingles? by GMAC Mortgage</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/16/the-rising-costs-of-homeowners-insurance/comment-page-1/#comment-3760</link>
		<dc:creator>GMAC Mortgage</dc:creator>
		<pubDate>Wed, 18 Apr 2012 23:30:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3307#comment-3760</guid>
		<description>Most homes are under insured, even in high risk places like California! It may be pricey but not as pricey as buying a new home.</description>
		<content:encoded><![CDATA[<p>Most homes are under insured, even in high risk places like California! It may be pricey but not as pricey as buying a new home.</p>
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		<title>Comment on Should I Refinance My Mortgage? by Jeff Tucker</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/comment-page-1/#comment-3742</link>
		<dc:creator>Jeff Tucker</dc:creator>
		<pubDate>Tue, 17 Apr 2012 05:20:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3022#comment-3742</guid>
		<description>The home mortgage refinance calculator helps you assess the impact of mortgage refinancing. Enter your current loan information as well as the proposed refinance loan information to calculate the break-even point and potential cost savings from refinancing your mortgage.</description>
		<content:encoded><![CDATA[<p>The home mortgage refinance calculator helps you assess the impact of mortgage refinancing. Enter your current loan information as well as the proposed refinance loan information to calculate the break-even point and potential cost savings from refinancing your mortgage.</p>
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		<title>Comment on Entrepreneur Series &#8211; Lesson 4 &#8211; Avoid Rookie Mistakes by Jason Pendergrass</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/08/entrepreneur-series-lesson-4-avoid-rookie-mistakes/comment-page-1/#comment-3720</link>
		<dc:creator>Jason Pendergrass</dc:creator>
		<pubDate>Sat, 14 Apr 2012 19:06:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2486#comment-3720</guid>
		<description>Great article. I too am a rookie entrepreneur and through my various business ventures, Ihave learned so much. I can relate with the article in so many ways. As a matter of fact, I wrote a book titled: &quot;Business Lessons of a Rookie Entrepreneur&quot; describing my experiences. Please check the book out by searching the title: Business Lessons of a Rookie Entrepreneur on Youtube (also can search my name). It teaches the lessons I learned while starting and running my own businesses.</description>
		<content:encoded><![CDATA[<p>Great article. I too am a rookie entrepreneur and through my various business ventures, Ihave learned so much. I can relate with the article in so many ways. As a matter of fact, I wrote a book titled: &#8220;Business Lessons of a Rookie Entrepreneur&#8221; describing my experiences. Please check the book out by searching the title: Business Lessons of a Rookie Entrepreneur on Youtube (also can search my name). It teaches the lessons I learned while starting and running my own businesses.</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Suze Orman &#8211; Changes to Credit Card Law &#124; credit card debt, debt management, credit card financing</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-3714</link>
		<dc:creator>Suze Orman &#8211; Changes to Credit Card Law &#124; credit card debt, debt management, credit card financing</dc:creator>
		<pubDate>Sat, 14 Apr 2012 02:09:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-3714</guid>
		<description>[...] office, do you really know how does it affect you and what are the changes you can do?Amanda theinvestorwatch asked: www.theinvestorwatch.com The announcement of changes to the law of what he c...de&quot; value=&quot;transparent&quot;&gt;www.theinvestorwatch.com The announcement of changes to the law of what he [...]</description>
		<content:encoded><![CDATA[<p>[...] office, do you really know how does it affect you and what are the changes you can do?Amanda theinvestorwatch asked: <a href="http://www.theinvestorwatch.com" rel="nofollow">http://www.theinvestorwatch.com</a> The announcement of changes to the law of what he c&#8230;de&quot; value=&quot;transparent&quot;&gt;www.theinvestorwatch.com The announcement of changes to the law of what he [...]</p>
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		<title>Comment on Can You Protect Yourself From Online Hackers? by John</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/11/can-you-protect-yourself-from-online-hackers/comment-page-1/#comment-3710</link>
		<dc:creator>John</dc:creator>
		<pubDate>Fri, 13 Apr 2012 18:00:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3374#comment-3710</guid>
		<description>I think that another important way to avoid being hacked is to do ALL your software updates! I know too many people who think they can get away with not doing the software updates . . . and then you hear how old software gets hacked and everyone panics! Do your updates people!</description>
		<content:encoded><![CDATA[<p>I think that another important way to avoid being hacked is to do ALL your software updates! I know too many people who think they can get away with not doing the software updates . . . and then you hear how old software gets hacked and everyone panics! Do your updates people!</p>
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		<title>Comment on Can You Protect Yourself From Online Hackers? by Chinmay</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/11/can-you-protect-yourself-from-online-hackers/comment-page-1/#comment-3706</link>
		<dc:creator>Chinmay</dc:creator>
		<pubDate>Thu, 12 Apr 2012 16:01:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3374#comment-3706</guid>
		<description>Very nice and useful article!</description>
		<content:encoded><![CDATA[<p>Very nice and useful article!</p>
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		<title>Comment on 6 Potential Red Flags That Can Get You Audited? by Shaun @ The Family Consumer</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/comment-page-1/#comment-3705</link>
		<dc:creator>Shaun @ The Family Consumer</dc:creator>
		<pubDate>Thu, 12 Apr 2012 10:55:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3367#comment-3705</guid>
		<description>Great tips! Sadly, filing your taxes needs to be mentioned, but I&#039;ve known many people who fail to follow it.</description>
		<content:encoded><![CDATA[<p>Great tips! Sadly, filing your taxes needs to be mentioned, but I&#8217;ve known many people who fail to follow it.</p>
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		<title>Comment on 6 Potential Red Flags That Can Get You Audited? by John</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/comment-page-1/#comment-3698</link>
		<dc:creator>John</dc:creator>
		<pubDate>Tue, 10 Apr 2012 20:18:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3367#comment-3698</guid>
		<description>I think if small businesses and sole proprietorships are diligent in keeping good records, have backup with a tax consultant, and doesn&#039;t do anything real stupid, the chances of an audit are pretty low.

Thank you for an excellent post! Good things to know!</description>
		<content:encoded><![CDATA[<p>I think if small businesses and sole proprietorships are diligent in keeping good records, have backup with a tax consultant, and doesn&#8217;t do anything real stupid, the chances of an audit are pretty low.</p>
<p>Thank you for an excellent post! Good things to know!</p>
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		<title>Comment on The Home Office Deduction: Is This Really An IRS Red Flag? by DeniseGabbard@WriteandGetPaid</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/02/the-home-office-deduction-is-this-really-an-irs-red-flag/comment-page-1/#comment-3680</link>
		<dc:creator>DeniseGabbard@WriteandGetPaid</dc:creator>
		<pubDate>Mon, 09 Apr 2012 07:57:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3355#comment-3680</guid>
		<description>Honestly, I think that this is much less of an issue now that so many of us are working from home. When this part of the tax law was written, &quot;location independent&quot; work did not exist as it does today due to the advances in technology, so those people who took the deduction may have been overly scrutinized. 

That being said, I would suggest anybody who qualifies takes full advantage-- because, once the powers that be realize there is another place they can get some additional tax funds from...this deduction may just go away.</description>
		<content:encoded><![CDATA[<p>Honestly, I think that this is much less of an issue now that so many of us are working from home. When this part of the tax law was written, &#8220;location independent&#8221; work did not exist as it does today due to the advances in technology, so those people who took the deduction may have been overly scrutinized. </p>
<p>That being said, I would suggest anybody who qualifies takes full advantage&#8211; because, once the powers that be realize there is another place they can get some additional tax funds from&#8230;this deduction may just go away.</p>
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		<title>Comment on 5 Ways To Cut Down Your Cell Phone Bill by Mobile Commerce</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/03/5-ways-to-cut-down-your-cell-phone-bill/comment-page-1/#comment-3636</link>
		<dc:creator>Mobile Commerce</dc:creator>
		<pubDate>Tue, 03 Apr 2012 22:09:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3360#comment-3636</guid>
		<description>It&#039;s amazing how much we as a society are texting now. Even my own mother knows how to text which is just crazy.</description>
		<content:encoded><![CDATA[<p>It&#8217;s amazing how much we as a society are texting now. Even my own mother knows how to text which is just crazy.</p>
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		<title>Comment on Five Things I Bought But Never Used by Rye @Payment Protection Insurance Claims/Reclaims</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/23/five-things-i-bought-but-never-used/comment-page-1/#comment-3603</link>
		<dc:creator>Rye @Payment Protection Insurance Claims/Reclaims</dc:creator>
		<pubDate>Sun, 01 Apr 2012 22:51:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3326#comment-3603</guid>
		<description>I tend to buy extras of supplies. Say if I need one pencil I buy one set instead. But what usually happens is I tend to forget I bought more than one or two or misplace them so I buy another set. I tend to find things when I don&#039;t look for them anymore after a few months. This is terribly wasteful but can be simply remedied by better organization skills on my part.</description>
		<content:encoded><![CDATA[<p>I tend to buy extras of supplies. Say if I need one pencil I buy one set instead. But what usually happens is I tend to forget I bought more than one or two or misplace them so I buy another set. I tend to find things when I don&#8217;t look for them anymore after a few months. This is terribly wasteful but can be simply remedied by better organization skills on my part.</p>
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		<title>Comment on How Can You Improve Your Fuel Economy? by Yakezie Carnival &#8211; April Fools - Passive Income to Retire</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/28/how-can-you-improve-your-fuel-economy/comment-page-1/#comment-3599</link>
		<dc:creator>Yakezie Carnival &#8211; April Fools - Passive Income to Retire</dc:creator>
		<pubDate>Sun, 01 Apr 2012 11:05:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3343#comment-3599</guid>
		<description>[...] Jenkin @ Your Smart Money Moves writes How Can You Improve Your Fuel Economy? &#8211; You know gas prices are rising out of control when you are debating which button to press [...]</description>
		<content:encoded><![CDATA[<p>[...] Jenkin @ Your Smart Money Moves writes How Can You Improve Your Fuel Economy? &#8211; You know gas prices are rising out of control when you are debating which button to press [...]</p>
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		<title>Comment on Who pays the bills: MEN or WOMEN? by Autopay Bills: A Good Idea Or Not? &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2010/07/08/who-pay-the-bills-men-or-women/comment-page-1/#comment-3593</link>
		<dc:creator>Autopay Bills: A Good Idea Or Not? &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Fri, 30 Mar 2012 15:39:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1413#comment-3593</guid>
		<description>[...] paying monthly bills, it seems that the ‘out of sight out of mind’ philosophy is taking hold of how young people are managing their monthly bills.  It is really a good idea to pay your bills via autopay? Here are my pros and cons of the [...]</description>
		<content:encoded><![CDATA[<p>[...] paying monthly bills, it seems that the ‘out of sight out of mind’ philosophy is taking hold of how young people are managing their monthly bills.  It is really a good idea to pay your bills via autopay? Here are my pros and cons of the [...]</p>
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		<title>Comment on How Can You Improve Your Fuel Economy? by Karunesh @ chase-a-dream.com</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/28/how-can-you-improve-your-fuel-economy/comment-page-1/#comment-3590</link>
		<dc:creator>Karunesh @ chase-a-dream.com</dc:creator>
		<pubDate>Thu, 29 Mar 2012 04:26:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3343#comment-3590</guid>
		<description>another good practice is to turn the engine off if you have to stop for more than 2 minutes.</description>
		<content:encoded><![CDATA[<p>another good practice is to turn the engine off if you have to stop for more than 2 minutes.</p>
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		<title>Comment on Five Things I Bought But Never Used by Ted Jenkin - Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/23/five-things-i-bought-but-never-used/comment-page-1/#comment-3577</link>
		<dc:creator>Ted Jenkin - Your Smart Money Moves</dc:creator>
		<pubDate>Mon, 26 Mar 2012 22:49:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3326#comment-3577</guid>
		<description>Don’t Throw Away Your Cell Phone / Ipods -  Most of the electronics that you buy today can be  resold. On the other hand, keeping them could be good for your wallet by using sites like http://www.gazelle.com to sell your stuff.</description>
		<content:encoded><![CDATA[<p>Don’t Throw Away Your Cell Phone / Ipods &#8211;  Most of the electronics that you buy today can be  resold. On the other hand, keeping them could be good for your wallet by using sites like <a href="http://www.gazelle.com" rel="nofollow">http://www.gazelle.com</a> to sell your stuff.</p>
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		<title>Comment on Five Things I Bought But Never Used by Money Smarts</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/23/five-things-i-bought-but-never-used/comment-page-1/#comment-3576</link>
		<dc:creator>Money Smarts</dc:creator>
		<pubDate>Mon, 26 Mar 2012 21:27:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3326#comment-3576</guid>
		<description>A couple of years ago my wife wanted an iPod Nano, and I got her one for her birthday.  Here it is a couple of years later and we just found the iPod in our kitchen drawer, opened but never used.  The resale value on that Nano is probably next to nothing at this point even though it&#039;s never been used.</description>
		<content:encoded><![CDATA[<p>A couple of years ago my wife wanted an iPod Nano, and I got her one for her birthday.  Here it is a couple of years later and we just found the iPod in our kitchen drawer, opened but never used.  The resale value on that Nano is probably next to nothing at this point even though it&#8217;s never been used.</p>
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		<title>Comment on Forming the Side-Business: Tax Benefits &#8211; LLC, S-Corp, or C-Corp? by The Solo 401(k)- For A Decade A Good Option For The Self-Employed &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/comment-page-1/#comment-3573</link>
		<dc:creator>The Solo 401(k)- For A Decade A Good Option For The Self-Employed &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Mon, 26 Mar 2012 16:06:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2783#comment-3573</guid>
		<description>[...] they should incorporate their business or not which I have discussed in other articles &#8211; View Here.    Once they become profitable, they often ask which kind of retirement plan would suit them [...]</description>
		<content:encoded><![CDATA[<p>[...] they should incorporate their business or not which I have discussed in other articles &#8211; View Here.    Once they become profitable, they often ask which kind of retirement plan would suit them [...]</p>
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		<title>Comment on Ten Common Mistakes Tax Filers Make by Yakezie Carnival - The Early Spring Jump Edition! &#124; Money Reasons</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/20/ten-common-mistakes-tax-filers-make/comment-page-1/#comment-3567</link>
		<dc:creator>Yakezie Carnival - The Early Spring Jump Edition! &#124; Money Reasons</dc:creator>
		<pubDate>Sun, 25 Mar 2012 19:15:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3321#comment-3567</guid>
		<description>[...] Jenkin @ Your Smart Money Moves writes Ten Common Mistakes Tax Filers Make &#8211; Don’t you hate that thought of getting your taxes done only to realize later that you [...]</description>
		<content:encoded><![CDATA[<p>[...] Jenkin @ Your Smart Money Moves writes Ten Common Mistakes Tax Filers Make &#8211; Don’t you hate that thought of getting your taxes done only to realize later that you [...]</p>
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		<title>Comment on What If You Feel Like You’ve Lost It All by Kings of Cash Flow: The Knights Edition &#124; Money Infant</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/05/what-if-you-feel-like-youve-lost-it-all/comment-page-1/#comment-3529</link>
		<dc:creator>Kings of Cash Flow: The Knights Edition &#124; Money Infant</dc:creator>
		<pubDate>Thu, 22 Mar 2012 16:52:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3275#comment-3529</guid>
		<description>[...] Ted from Your Smart Money Moves gives us a wake up call by asking: What If You Feel Like You’ve Lost It All? Since the 2008 real estate and stock market crash, some people have been able to get back on their [...]</description>
		<content:encoded><![CDATA[<p>[...] Ted from Your Smart Money Moves gives us a wake up call by asking: What If You Feel Like You’ve Lost It All? Since the 2008 real estate and stock market crash, some people have been able to get back on their [...]</p>
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		<title>Comment on Keep The Trophy by Letty</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/23/keep-the-trophy/comment-page-1/#comment-3521</link>
		<dc:creator>Letty</dc:creator>
		<pubDate>Wed, 21 Mar 2012 20:52:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2178#comment-3521</guid>
		<description>I totally agree with you. Giving trophies to every participant even when they loose or continually loose only teaches them that no matter what &quot;effort&quot; they put into participating they will always get regarded. Instead, and like you, I believe that only the first, second, and maybe third places should be regarded with a trophy. Any thing else, is just a waste of every bodies money.</description>
		<content:encoded><![CDATA[<p>I totally agree with you. Giving trophies to every participant even when they loose or continually loose only teaches them that no matter what &#8220;effort&#8221; they put into participating they will always get regarded. Instead, and like you, I believe that only the first, second, and maybe third places should be regarded with a trophy. Any thing else, is just a waste of every bodies money.</p>
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		<title>Comment on Ten Common Mistakes Tax Filers Make by Liquid Independence</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/20/ten-common-mistakes-tax-filers-make/comment-page-1/#comment-3507</link>
		<dc:creator>Liquid Independence</dc:creator>
		<pubDate>Tue, 20 Mar 2012 16:42:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3321#comment-3507</guid>
		<description>A lot of these tips also ring true for Canadians (^_-) Lots of people making these mistakes.</description>
		<content:encoded><![CDATA[<p>A lot of these tips also ring true for Canadians (^_-) Lots of people making these mistakes.</p>
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		<title>Comment on It’s March Madness &#8211; Are Money Decisions Like Picking An NCAA Basketball Winner? by Christopher @ This That and The MBA</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/14/its-march-madness-are-money-decisions-like-picking-an-ncaa-basketball-winner/comment-page-1/#comment-3489</link>
		<dc:creator>Christopher @ This That and The MBA</dc:creator>
		<pubDate>Tue, 20 Mar 2012 02:46:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3300#comment-3489</guid>
		<description>Sometimes in life it seems like we know the for certain what we need to happen and then the wrench is tossed in and throws us off course.  Nice way of intertwining (haha dont know if that is a word) the NCAA March madness into money decisions.</description>
		<content:encoded><![CDATA[<p>Sometimes in life it seems like we know the for certain what we need to happen and then the wrench is tossed in and throws us off course.  Nice way of intertwining (haha dont know if that is a word) the NCAA March madness into money decisions.</p>
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		<title>Comment on I am officially couponed out! by Just One Pen Pal Letter . . . Please</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/03/i-am-officially-couponed-out/comment-page-1/#comment-3434</link>
		<dc:creator>Just One Pen Pal Letter . . . Please</dc:creator>
		<pubDate>Thu, 15 Mar 2012 12:45:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2555#comment-3434</guid>
		<description>[...] conclusion.   &#121;&#111;&#117; got 5 catalogs, 4 coupon post cards, 3 mortgage refinance solicitations, 2 bills, &#097;&#110;&#100; one partridge &#105;&#110; a pear [...]</description>
		<content:encoded><![CDATA[<p>[...] conclusion.   &#121;&#111;&#117; got 5 catalogs, 4 coupon post cards, 3 mortgage refinance solicitations, 2 bills, &#097;&#110;&#100; one partridge &#105;&#110; a pear [...]</p>
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		<title>Comment on DO YOU READ YOUR BILLS ANYMORE?   MAYBE IT IS TIME YOU SHOULD! by Just One Pen Pal Letter . . . Please</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/11/do-you-read-your-bills-anymore-maybe-it-is-time-you-should/comment-page-1/#comment-3433</link>
		<dc:creator>Just One Pen Pal Letter . . . Please</dc:creator>
		<pubDate>Thu, 15 Mar 2012 12:45:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=488#comment-3433</guid>
		<description>[...] that distinct pleasure of seeing cable, gas, electric, &#097;&#110;&#100; credit card bills where &#121;&#111;&#117; &#112;&#117;&#116; &#109;&#111;&#115;&#116; of your [...]</description>
		<content:encoded><![CDATA[<p>[...] that distinct pleasure of seeing cable, gas, electric, &#097;&#110;&#100; credit card bills where &#121;&#111;&#117; &#112;&#117;&#116; &#109;&#111;&#115;&#116; of your [...]</p>
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		<title>Comment on The Words We Don’t Want To Hear: “You May Need To Save More” by It’s March Madness &#8211; Are Money Decisions Like Picking An NCAA Basketball Winner? &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/comment-page-1/#comment-3416</link>
		<dc:creator>It’s March Madness &#8211; Are Money Decisions Like Picking An NCAA Basketball Winner? &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 14 Mar 2012 17:10:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3077#comment-3416</guid>
		<description>[...] Government is likely to take the other third.   With many people far behind where they need to be saving for retirement, it always seems like a good idea to choose the bracket of fun now.   Just make sure you give the [...]</description>
		<content:encoded><![CDATA[<p>[...] Government is likely to take the other third.   With many people far behind where they need to be saving for retirement, it always seems like a good idea to choose the bracket of fun now.   Just make sure you give the [...]</p>
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		<title>Comment on 5 Frugal Ideas To ‘Paint’ Your Wallet Green On St. Patty’s Day by Zero Passive Income</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/12/5-frugal-ideas-to-paint-your-wallet-green-on-st-pattys-day/comment-page-1/#comment-3372</link>
		<dc:creator>Zero Passive Income</dc:creator>
		<pubDate>Mon, 12 Mar 2012 23:01:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3293#comment-3372</guid>
		<description>I love point number 3 Plant Your Own Vegetable Garden.

I recently started our own vegetable garden. They&#039;re easy and can be low maintenance/cost. We&#039;ll have our first harvest of veggies in about 3 weeks.</description>
		<content:encoded><![CDATA[<p>I love point number 3 Plant Your Own Vegetable Garden.</p>
<p>I recently started our own vegetable garden. They&#8217;re easy and can be low maintenance/cost. We&#8217;ll have our first harvest of veggies in about 3 weeks.</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by runicwow.com</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-3330</link>
		<dc:creator>runicwow.com</dc:creator>
		<pubDate>Sun, 11 Mar 2012 09:44:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-3330</guid>
		<description>&lt;strong&gt;Understanding Prepaid An Atm Card...&lt;/strong&gt;

This will make it they arrived on the scene the guaranteed charge card and never lengthy next came the prepaid debit card. Prepaid an atm card are released by almost every charge card company for example MasterCard, Visa and American Express. Having a ...</description>
		<content:encoded><![CDATA[<p><strong>Understanding Prepaid An Atm Card&#8230;</strong></p>
<p>This will make it they arrived on the scene the guaranteed charge card and never lengthy next came the prepaid debit card. Prepaid an atm card are released by almost every charge card company for example MasterCard, Visa and American Express. Having a &#8230;</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)? by Frugal Living: Easy Ways to Save at Married (with Debt)</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/comment-page-1/#comment-3310</link>
		<dc:creator>Frugal Living: Easy Ways to Save at Married (with Debt)</dc:creator>
		<pubDate>Sat, 10 Mar 2012 15:37:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804#comment-3310</guid>
		<description>[...] Have a shared birthday party for your child with another family member or school friend. Keep it simple. [...]</description>
		<content:encoded><![CDATA[<p>[...] Have a shared birthday party for your child with another family member or school friend. Keep it simple. [...]</p>
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		<title>Comment on 3 Simple Ways To Live The Frugal Life by Frugal Living: Easy Ways to Save at Married (with Debt)</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/comment-page-1/#comment-3309</link>
		<dc:creator>Frugal Living: Easy Ways to Save at Married (with Debt)</dc:creator>
		<pubDate>Sat, 10 Mar 2012 15:37:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2943#comment-3309</guid>
		<description>[...] Never grocery shop without a list. [...]</description>
		<content:encoded><![CDATA[<p>[...] Never grocery shop without a list. [...]</p>
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		<title>Comment on DO YOU READ YOUR BILLS ANYMORE?   MAYBE IT IS TIME YOU SHOULD! by Just One Pen Pal Letter . . . Please &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2009/09/11/do-you-read-your-bills-anymore-maybe-it-is-time-you-should/comment-page-1/#comment-3255</link>
		<dc:creator>Just One Pen Pal Letter . . . Please &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Thu, 08 Mar 2012 13:54:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=488#comment-3255</guid>
		<description>[...] of the bills.   You get that distinct pleasure of seeing cable, gas, electric, and credit card bills where you put most of your [...]</description>
		<content:encoded><![CDATA[<p>[...] of the bills.   You get that distinct pleasure of seeing cable, gas, electric, and credit card bills where you put most of your [...]</p>
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		<title>Comment on What If You Feel Like You’ve Lost It All by Anthony Thompson</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/05/what-if-you-feel-like-youve-lost-it-all/comment-page-1/#comment-3228</link>
		<dc:creator>Anthony Thompson</dc:creator>
		<pubDate>Wed, 07 Mar 2012 01:31:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3275#comment-3228</guid>
		<description>I&#039;m sure that there are millions of people who are going through such a devastating downturn in their finances and lifestyle. You&#039;ve presented some very practical ideas on how to turn it all around. I must say that I was inspired. Nice work!</description>
		<content:encoded><![CDATA[<p>I&#8217;m sure that there are millions of people who are going through such a devastating downturn in their finances and lifestyle. You&#8217;ve presented some very practical ideas on how to turn it all around. I must say that I was inspired. Nice work!</p>
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		<title>Comment on Do You Have Enough Life Insurance? by Vernon Groston</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/comment-page-1/#comment-3159</link>
		<dc:creator>Vernon Groston</dc:creator>
		<pubDate>Sat, 03 Mar 2012 05:24:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2242#comment-3159</guid>
		<description>Don’t forget Social Security Survivor benefits when calculating your insurance needs. Check your annual Social Security statement to see an estimate of your benefit. This benefit might be more than you think.</description>
		<content:encoded><![CDATA[<p>Don’t forget Social Security Survivor benefits when calculating your insurance needs. Check your annual Social Security statement to see an estimate of your benefit. This benefit might be more than you think.</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; Marriage And Medical Insurance by Week of Feb. 27 &#124; Personal Finance for Young People</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/comment-page-1/#comment-3153</link>
		<dc:creator>Week of Feb. 27 &#124; Personal Finance for Young People</dc:creator>
		<pubDate>Fri, 02 Mar 2012 16:45:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2929#comment-3153</guid>
		<description>[...]  Ted Jenkin from Your Smart Money Moves explains what you need to look at when deciding on a new medical insurance plan after getting [...]</description>
		<content:encoded><![CDATA[<p>[...]  Ted Jenkin from Your Smart Money Moves explains what you need to look at when deciding on a new medical insurance plan after getting [...]</p>
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		<title>Comment on Different Types of Credit Scores: Which Are You Getting? by Yes Man</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/29/different-types-of-credit-scores-which-are-you-getting/comment-page-1/#comment-3149</link>
		<dc:creator>Yes Man</dc:creator>
		<pubDate>Fri, 02 Mar 2012 13:36:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3262#comment-3149</guid>
		<description>While you mentioned it, it needs to be emphasized again and again.  There are multiple versions of FICO too, and some larger financial institutions may customize their FICO scores to emphasize specific elements of risk, like payment history, based on the type of loan (mortgage, installment, revolving).  So you could pull your FICO score from Equifax or MyFICO, apply for a loan that same day with the same credit data, and have a different FICO score (perhaps the bank was using FICO v5 instead of v7).  Even lenders struggle with scoring distinctions and may link the score to Equifax or the other Credit Reporting Agencies (CRAs).  The CRAs provide the data (inputs) while FICO calculates the score (outputs) based on that date.  If you&#039;re declined, it&#039;s because of bank decisioning criteria, not the CRAs.  If your credit reports are inaccurate, you need to get them corrected since the inaccuracies may impact your scores.</description>
		<content:encoded><![CDATA[<p>While you mentioned it, it needs to be emphasized again and again.  There are multiple versions of FICO too, and some larger financial institutions may customize their FICO scores to emphasize specific elements of risk, like payment history, based on the type of loan (mortgage, installment, revolving).  So you could pull your FICO score from Equifax or MyFICO, apply for a loan that same day with the same credit data, and have a different FICO score (perhaps the bank was using FICO v5 instead of v7).  Even lenders struggle with scoring distinctions and may link the score to Equifax or the other Credit Reporting Agencies (CRAs).  The CRAs provide the data (inputs) while FICO calculates the score (outputs) based on that date.  If you&#8217;re declined, it&#8217;s because of bank decisioning criteria, not the CRAs.  If your credit reports are inaccurate, you need to get them corrected since the inaccuracies may impact your scores.</p>
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		<title>Comment on Top Five Places In Atlanta To Get A Burger by Justin</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/24/top-five-places-in-atlanta-to-get-a-burger/comment-page-1/#comment-3133</link>
		<dc:creator>Justin</dc:creator>
		<pubDate>Wed, 29 Feb 2012 22:12:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3250#comment-3133</guid>
		<description>Ted,

You missed &quot;THE Burger&quot; from Holeman and Finch...which is leaps and bounds ahead of Flip (and I like Flip a lot). Everything else is a pretty solid choice, though.</description>
		<content:encoded><![CDATA[<p>Ted,</p>
<p>You missed &#8220;THE Burger&#8221; from Holeman and Finch&#8230;which is leaps and bounds ahead of Flip (and I like Flip a lot). Everything else is a pretty solid choice, though.</p>
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		<title>Comment on Does my credit score really matter? by Different Types of Credit Scores: Which Are You Getting? &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/comment-page-1/#comment-3124</link>
		<dc:creator>Different Types of Credit Scores: Which Are You Getting? &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 29 Feb 2012 15:59:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2648#comment-3124</guid>
		<description>[...] (especially if you have a lot of debt or other negative factors affecting you). As Ted points out, your credit score matters and you should try and keep it in the 750 range (on FICO) in order to have the best [...]</description>
		<content:encoded><![CDATA[<p>[...] (especially if you have a lot of debt or other negative factors affecting you). As Ted points out, your credit score matters and you should try and keep it in the 750 range (on FICO) in order to have the best [...]</p>
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		<title>Comment on 5 Disaster Financial Moves by merlmd</title>
		<link>http://www.yoursmartmoneymoves.com/2010/08/30/5-disaster-financial-moves/comment-page-1/#comment-3098</link>
		<dc:creator>merlmd</dc:creator>
		<pubDate>Sun, 26 Feb 2012 15:02:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1574#comment-3098</guid>
		<description>thank you for this article. since I lost my job, my financial has been very unstable.  I got rid of all my credit cards and am now on a payment arrangement scheme. I wonder if you have some investment suggestions that are low risk?</description>
		<content:encoded><![CDATA[<p>thank you for this article. since I lost my job, my financial has been very unstable.  I got rid of all my credit cards and am now on a payment arrangement scheme. I wonder if you have some investment suggestions that are low risk?</p>
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		<title>Comment on Top Five Places In Atlanta To Get A Burger by American Debt Project</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/24/top-five-places-in-atlanta-to-get-a-burger/comment-page-1/#comment-3092</link>
		<dc:creator>American Debt Project</dc:creator>
		<pubDate>Sat, 25 Feb 2012 22:13:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3250#comment-3092</guid>
		<description>We have the Counter here in LA, but the rest all sound soooo good! When I was a kid, I was never an adventurous eater and all I ever wanted when we went out to eat was a cheeseburger and fries. Nowadays I eat everything but will still never say no to a good burger joint. I just tried Astro Burger in West Hollywood: YUM.</description>
		<content:encoded><![CDATA[<p>We have the Counter here in LA, but the rest all sound soooo good! When I was a kid, I was never an adventurous eater and all I ever wanted when we went out to eat was a cheeseburger and fries. Nowadays I eat everything but will still never say no to a good burger joint. I just tried Astro Burger in West Hollywood: YUM.</p>
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		<title>Comment on 5 Tax Mistakes Business Owners Make by Yakezie Carnival Mardi Gras Edition &#187; Financial Success for Young Adults</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/comment-page-1/#comment-3040</link>
		<dc:creator>Yakezie Carnival Mardi Gras Edition &#187; Financial Success for Young Adults</dc:creator>
		<pubDate>Sun, 19 Feb 2012 15:40:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179#comment-3040</guid>
		<description>[...] Smart Money Moves:  5 Tax Mistakes Business Owners Make &#8211; Part of putting together an effective tax management strategy is gaining an understanding [...]</description>
		<content:encoded><![CDATA[<p>[...] Smart Money Moves:  5 Tax Mistakes Business Owners Make &#8211; Part of putting together an effective tax management strategy is gaining an understanding [...]</p>
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		<title>Comment on Is Your Relationship Worth $168? by MyMoneyDesign</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/13/is-your-relationship-worth-168/comment-page-1/#comment-3019</link>
		<dc:creator>MyMoneyDesign</dc:creator>
		<pubDate>Fri, 17 Feb 2012 02:00:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3216#comment-3019</guid>
		<description>This year my wife and I went out to a comedy club on the weekend to celebrate Valentine’s Day.  Best idea ever!  Usually when you exchange gifts, it lasts about 10 seconds.  With this gift, we laughed for hours!</description>
		<content:encoded><![CDATA[<p>This year my wife and I went out to a comedy club on the weekend to celebrate Valentine’s Day.  Best idea ever!  Usually when you exchange gifts, it lasts about 10 seconds.  With this gift, we laughed for hours!</p>
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		<title>Comment on 5 Tax Mistakes Business Owners Make by Maxell Keith</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/comment-page-1/#comment-2994</link>
		<dc:creator>Maxell Keith</dc:creator>
		<pubDate>Wed, 15 Feb 2012 07:33:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179#comment-2994</guid>
		<description>State tax code and regulations are very complex. And they change every year, of course. This creates big challenges for you as a business owner if you don’t have a tax expert advising you.</description>
		<content:encoded><![CDATA[<p>State tax code and regulations are very complex. And they change every year, of course. This creates big challenges for you as a business owner if you don’t have a tax expert advising you.</p>
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		<title>Comment on Is Your Relationship Worth $168? by Cora</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/13/is-your-relationship-worth-168/comment-page-1/#comment-2980</link>
		<dc:creator>Cora</dc:creator>
		<pubDate>Tue, 14 Feb 2012 22:53:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3216#comment-2980</guid>
		<description>My boyfriend and I are going out for Chinese food (no expensive Italian dinners lol) and rented &quot;The Help&quot; with our free Redbox Valentine&#039;s Day code.</description>
		<content:encoded><![CDATA[<p>My boyfriend and I are going out for Chinese food (no expensive Italian dinners lol) and rented &#8220;The Help&#8221; with our free Redbox Valentine&#8217;s Day code.</p>
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		<title>Comment on 5 Disaster Financial Moves by lovealways</title>
		<link>http://www.yoursmartmoneymoves.com/2010/08/30/5-disaster-financial-moves/comment-page-1/#comment-2967</link>
		<dc:creator>lovealways</dc:creator>
		<pubDate>Tue, 14 Feb 2012 06:26:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1574#comment-2967</guid>
		<description>i always wanted to save..and im trying :)</description>
		<content:encoded><![CDATA[<p>i always wanted to save..and im trying :)</p>
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		<title>Comment on My College Is Worse Than The Kids Knocking On The Door by Sandy</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/comment-page-1/#comment-2890</link>
		<dc:creator>Sandy</dc:creator>
		<pubDate>Thu, 09 Feb 2012 18:03:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3185#comment-2890</guid>
		<description>Your school is going through extreme measures for their donations. Maybe they are thinking of doing new construction and your donation will help (of course there will be a brick with your name on it for $25,000).</description>
		<content:encoded><![CDATA[<p>Your school is going through extreme measures for their donations. Maybe they are thinking of doing new construction and your donation will help (of course there will be a brick with your name on it for $25,000).</p>
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		<title>Comment on 5 Tax Mistakes Business Owners Make by all car release</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/comment-page-1/#comment-2819</link>
		<dc:creator>all car release</dc:creator>
		<pubDate>Sat, 04 Feb 2012 17:59:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179#comment-2819</guid>
		<description>wow is a greats articles, is my first time to visiting you from EC, i hope we can make a friendship with EC dropper. thanks and i hope you can visiting my site to. see you</description>
		<content:encoded><![CDATA[<p>wow is a greats articles, is my first time to visiting you from EC, i hope we can make a friendship with EC dropper. thanks and i hope you can visiting my site to. see you</p>
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		<title>Comment on My College Is Worse Than The Kids Knocking On The Door by Pam at MoneyTrail</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/comment-page-1/#comment-2809</link>
		<dc:creator>Pam at MoneyTrail</dc:creator>
		<pubDate>Sat, 04 Feb 2012 02:25:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3185#comment-2809</guid>
		<description>Wow...they are very aggressive.  I totally agree that it&#039;s time to use some of that endowment money or bring down the tuition costs.  The rate of increase of tuition rates is so out of proportion that it is ridiculous.</description>
		<content:encoded><![CDATA[<p>Wow&#8230;they are very aggressive.  I totally agree that it&#8217;s time to use some of that endowment money or bring down the tuition costs.  The rate of increase of tuition rates is so out of proportion that it is ridiculous.</p>
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		<title>Comment on Your Taxes Will Go Up If Earn Less Than $250,000 by Luis</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/comment-page-1/#comment-2790</link>
		<dc:creator>Luis</dc:creator>
		<pubDate>Wed, 01 Feb 2012 20:29:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169#comment-2790</guid>
		<description>I echo what JP said.  Also, you cannot take a State of the Union speech as anything meaningful.  Is clapping, standing, not clapping, hugging, any more meaningful?  SOTU is a exercise in tradition nothing more.  Also, when we talk about taxes if it not specified then it is assumed to mean income taxes.  There is nothing more certain than that we will be taxed from all angles, such is life.  As to the debt, we certainly don&#039;t want to exceed debt to the GDP.  But the idea that getting rid of all debt is good is deceptive.  Name me one country that does not have debt?  Can you answer why not?  Because debt, in moderation, is the engine of progress.  You cannot start a business without debt, and banks cannot loan to the majority of start ups businesses without debt.  Ask a Saudi Arabian how hard it is to start a business there because laws do not allow banks to leverage loans with debt?  If you are not from a wealthy family or in with the Sheikh, fugetaboutit!</description>
		<content:encoded><![CDATA[<p>I echo what JP said.  Also, you cannot take a State of the Union speech as anything meaningful.  Is clapping, standing, not clapping, hugging, any more meaningful?  SOTU is a exercise in tradition nothing more.  Also, when we talk about taxes if it not specified then it is assumed to mean income taxes.  There is nothing more certain than that we will be taxed from all angles, such is life.  As to the debt, we certainly don&#8217;t want to exceed debt to the GDP.  But the idea that getting rid of all debt is good is deceptive.  Name me one country that does not have debt?  Can you answer why not?  Because debt, in moderation, is the engine of progress.  You cannot start a business without debt, and banks cannot loan to the majority of start ups businesses without debt.  Ask a Saudi Arabian how hard it is to start a business there because laws do not allow banks to leverage loans with debt?  If you are not from a wealthy family or in with the Sheikh, fugetaboutit!</p>
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		<title>Comment on Your Taxes Will Go Up If Earn Less Than $250,000 by JP @ Novel Investor</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/comment-page-1/#comment-2789</link>
		<dc:creator>JP @ Novel Investor</dc:creator>
		<pubDate>Wed, 01 Feb 2012 16:36:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169#comment-2789</guid>
		<description>The debt debate has been a recurring event every decade or so and is used as a scare tactic by politicians to get elected.  In reality the debt level is largely irrelevant, and nothing like credit card debt, since the government can print it&#039;s way out.  It&#039;s not the ideal solution, as hyperinflation is the outcome.  The alternative being no debt offers other concerns.  The most recent debt pay down under the Clinton administration may have helped fuel the most recent banking collapse.  With a lower amount of safe debt vehicles to invest in, banks and investors had to turn toward riskier assets to generate income.  It&#039;s a fine line between too much, too little and just right.</description>
		<content:encoded><![CDATA[<p>The debt debate has been a recurring event every decade or so and is used as a scare tactic by politicians to get elected.  In reality the debt level is largely irrelevant, and nothing like credit card debt, since the government can print it&#8217;s way out.  It&#8217;s not the ideal solution, as hyperinflation is the outcome.  The alternative being no debt offers other concerns.  The most recent debt pay down under the Clinton administration may have helped fuel the most recent banking collapse.  With a lower amount of safe debt vehicles to invest in, banks and investors had to turn toward riskier assets to generate income.  It&#8217;s a fine line between too much, too little and just right.</p>
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		<title>Comment on Your Taxes Will Go Up If Earn Less Than $250,000 by Amanda L Grossman</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/comment-page-1/#comment-2787</link>
		<dc:creator>Amanda L Grossman</dc:creator>
		<pubDate>Wed, 01 Feb 2012 13:38:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169#comment-2787</guid>
		<description>I often wonder how we are going to get out of this debt, knowing full well its going to cost each of us something. Not rausing income taxes for us under 250K is nice, but you are right--there are many other avenues to raise taxes on us.</description>
		<content:encoded><![CDATA[<p>I often wonder how we are going to get out of this debt, knowing full well its going to cost each of us something. Not rausing income taxes for us under 250K is nice, but you are right&#8211;there are many other avenues to raise taxes on us.</p>
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		<title>Comment on Your Taxes Will Go Up If Earn Less Than $250,000 by Ted</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/comment-page-1/#comment-2771</link>
		<dc:creator>Ted</dc:creator>
		<pubDate>Tue, 31 Jan 2012 19:14:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169#comment-2771</guid>
		<description>Jai,

That is exactly the spirit we need to keep getting better.   You are right, you can&#039;t win.  You can only go to work hard every day and help make the lives around you better:)

If we focus on what we can control and influence, we are all likely to get ahead!

Thanks,

Ted</description>
		<content:encoded><![CDATA[<p>Jai,</p>
<p>That is exactly the spirit we need to keep getting better.   You are right, you can&#8217;t win.  You can only go to work hard every day and help make the lives around you better:)</p>
<p>If we focus on what we can control and influence, we are all likely to get ahead!</p>
<p>Thanks,</p>
<p>Ted</p>
]]></content:encoded>
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		<title>Comment on Your Taxes Will Go Up If Earn Less Than $250,000 by Jai Catalano</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/comment-page-1/#comment-2765</link>
		<dc:creator>Jai Catalano</dc:creator>
		<pubDate>Tue, 31 Jan 2012 11:54:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169#comment-2765</guid>
		<description>The Government is a business that we are forced to be in. I don&#039;t blame them for anything because I can&#039;t win. So I fight forward to break ahead of the mold and hopefully stay well away from their radar.  

My wife and I just got something from the IRS stating that we owe a few dollars for something. It was a stretch if you ask me but it&#039;s the Good Ole Gov.</description>
		<content:encoded><![CDATA[<p>The Government is a business that we are forced to be in. I don&#8217;t blame them for anything because I can&#8217;t win. So I fight forward to break ahead of the mold and hopefully stay well away from their radar.  </p>
<p>My wife and I just got something from the IRS stating that we owe a few dollars for something. It was a stretch if you ask me but it&#8217;s the Good Ole Gov.</p>
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		<title>Comment on THE HARD TRUTH ABOUT INCOME TAXES by Your Taxes Will Go Up If Earn Less Than $250,000 &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/comment-page-1/#comment-2747</link>
		<dc:creator>Your Taxes Will Go Up If Earn Less Than $250,000 &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Mon, 30 Jan 2012 22:30:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3057#comment-2747</guid>
		<description>[...] what the current administration is talking about when they say there will be no tax increases is INCOME TAX.    Income tax is only one form of tax that generates revenue.    Let’s list below just [...]</description>
		<content:encoded><![CDATA[<p>[...] what the current administration is talking about when they say there will be no tax increases is INCOME TAX.    Income tax is only one form of tax that generates revenue.    Let’s list below just [...]</p>
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		<title>Comment on Charitable deductions &#8211; Are these meant for donations inside our country or outside of our country? by Jay</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/comment-page-1/#comment-2746</link>
		<dc:creator>Jay</dc:creator>
		<pubDate>Mon, 30 Jan 2012 22:07:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2970#comment-2746</guid>
		<description>My reason for donating here in this country rather than overseas is that I know what it&#039;s like to be poor, and know that there are many people in this country who are homeless, jobless, and hungry, and for whom there is no safety net.  They don&#039;t have enough food or heat or adequate clothing and can&#039;t afford to go to the dentist or get medical care or medications they need.  I believe we should help these people first.  We spend billions in foreign aid while going into massive debt here at home and neglecting our own because we supposedly can&#039;t afford it.  We should take care of our people here first.</description>
		<content:encoded><![CDATA[<p>My reason for donating here in this country rather than overseas is that I know what it&#8217;s like to be poor, and know that there are many people in this country who are homeless, jobless, and hungry, and for whom there is no safety net.  They don&#8217;t have enough food or heat or adequate clothing and can&#8217;t afford to go to the dentist or get medical care or medications they need.  I believe we should help these people first.  We spend billions in foreign aid while going into massive debt here at home and neglecting our own because we supposedly can&#8217;t afford it.  We should take care of our people here first.</p>
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		<title>Comment on What Tax Deductions Can I Take For Using My Car? by 37 Must-Read Posts for Tax Savings &#124; Money Spruce</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/30/what-tax-deductions-can-i-take-for-using-my-car/comment-page-1/#comment-2673</link>
		<dc:creator>37 Must-Read Posts for Tax Savings &#124; Money Spruce</dc:creator>
		<pubDate>Thu, 26 Jan 2012 14:20:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3009#comment-2673</guid>
		<description>[...] What Tax Deductions Can I Take for Using My Car? from Your Smart Money [...]</description>
		<content:encoded><![CDATA[<p>[...] What Tax Deductions Can I Take for Using My Car? from Your Smart Money [...]</p>
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		<title>Comment on Forming the Side-Business: Tax Benefits &#8211; LLC, S-Corp, or C-Corp? by How Business Credit Cards Affect Your Personal Credit &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/comment-page-1/#comment-2667</link>
		<dc:creator>How Business Credit Cards Affect Your Personal Credit &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 25 Jan 2012 15:25:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2783#comment-2667</guid>
		<description>[...] Cards Affect Your Personal Credit Submitted by oXYGenFinancial   Add A Comment   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, [...]</description>
		<content:encoded><![CDATA[<p>[...] Cards Affect Your Personal Credit Submitted by oXYGenFinancial   Add A Comment   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, [...]</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by emma</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2637</link>
		<dc:creator>emma</dc:creator>
		<pubDate>Tue, 24 Jan 2012 10:48:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2637</guid>
		<description>ha, ted is right. I think she has the gift of the gab, too. But who knows. 

You get media attention and its like having 90 press releases done for you all at one go. And it is targted audience too. 

jon
http://www.forecastfortomorrow.com</description>
		<content:encoded><![CDATA[<p>ha, ted is right. I think she has the gift of the gab, too. But who knows. </p>
<p>You get media attention and its like having 90 press releases done for you all at one go. And it is targted audience too. </p>
<p>jon<br />
<a href="http://www.forecastfortomorrow.com" rel="nofollow">http://www.forecastfortomorrow.com</a></p>
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		<title>Comment on Does paying cash matter? by XO</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/comment-page-1/#comment-2633</link>
		<dc:creator>XO</dc:creator>
		<pubDate>Tue, 24 Jan 2012 01:10:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2534#comment-2633</guid>
		<description>Any what&#039;s with some of these ads? This is oxymoronic to the theme of this BLOG.</description>
		<content:encoded><![CDATA[<p>Any what&#8217;s with some of these ads? This is oxymoronic to the theme of this BLOG.</p>
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		<title>Comment on Does paying cash matter? by XO</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/comment-page-1/#comment-2632</link>
		<dc:creator>XO</dc:creator>
		<pubDate>Tue, 24 Jan 2012 01:08:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2534#comment-2632</guid>
		<description>In one article I see credit and loans being heralded. Now this contradicting article. Using loans and credit on liability items to get things now- undermines the impetus behind paying for things (which w see a lot of in this country). Credit driven societies never worked.</description>
		<content:encoded><![CDATA[<p>In one article I see credit and loans being heralded. Now this contradicting article. Using loans and credit on liability items to get things now- undermines the impetus behind paying for things (which w see a lot of in this country). Credit driven societies never worked.</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Jay Gould</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2630</link>
		<dc:creator>Jay Gould</dc:creator>
		<pubDate>Mon, 23 Jan 2012 21:48:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2630</guid>
		<description>The biggest misunderstanding about Suze Orman&#039;s prepaid card, unfortunately stoked up by Orman herself, seems to be the notion that the Approved Card, as it is called, can help its users improve their credit scores. So it&#039;s time we set the record straight: the Suze Orman&#039;s card does not affect your credit score in any way, either positive or negative.  Colleen Tunney-Ryan, a spokeswoman for TransUnion, a credit bureau that has partnered with Orman to provide her card&#039;s users with access to their credit reports and scores, states it plainly: &quot;It is important to understand that this data will not appear on any TransUnion credit report at this time.&quot;  I think that should settle it.  Learn more here: &lt;a href=&quot;http://blog.unibulmerchantservices.com/suze-ormans-prepaid-card-will-not-affect-your-credit-score&quot; rel=&quot;nofollow&quot;&gt;http://blog.unibulmerchantservices.com/suze-ormans-prepaid-card-will-not-affect-your-credit-score&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>The biggest misunderstanding about Suze Orman&#8217;s prepaid card, unfortunately stoked up by Orman herself, seems to be the notion that the Approved Card, as it is called, can help its users improve their credit scores. So it&#8217;s time we set the record straight: the Suze Orman&#8217;s card does not affect your credit score in any way, either positive or negative.  Colleen Tunney-Ryan, a spokeswoman for TransUnion, a credit bureau that has partnered with Orman to provide her card&#8217;s users with access to their credit reports and scores, states it plainly: &#8220;It is important to understand that this data will not appear on any TransUnion credit report at this time.&#8221;  I think that should settle it.  Learn more here: <a href="http://blog.unibulmerchantservices.com/suze-ormans-prepaid-card-will-not-affect-your-credit-score" rel="nofollow">http://blog.unibulmerchantservices.com/suze-ormans-prepaid-card-will-not-affect-your-credit-score</a>.</p>
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		<title>Comment on Top 10 Movies About Making Money by Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/comment-page-1/#comment-2609</link>
		<dc:creator>Money</dc:creator>
		<pubDate>Fri, 20 Jan 2012 23:50:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2959#comment-2609</guid>
		<description>Some of the great list you got there, but I will recommend Risky Business because it&#039;s fun and targeted for teens</description>
		<content:encoded><![CDATA[<p>Some of the great list you got there, but I will recommend Risky Business because it&#8217;s fun and targeted for teens</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Ted</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2605</link>
		<dc:creator>Ted</dc:creator>
		<pubDate>Fri, 20 Jan 2012 21:59:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2605</guid>
		<description>Sandy,

Isn&#039;t that scary ---- if you and I were on CNBC 5 nights a week, we&#039;d have a strong following as well.

Ted</description>
		<content:encoded><![CDATA[<p>Sandy,</p>
<p>Isn&#8217;t that scary &#8212;- if you and I were on CNBC 5 nights a week, we&#8217;d have a strong following as well.</p>
<p>Ted</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Allen Shpigel</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2603</link>
		<dc:creator>Allen Shpigel</dc:creator>
		<pubDate>Fri, 20 Jan 2012 20:59:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2603</guid>
		<description>Love it! It&#039;s so true. Great article Ted.</description>
		<content:encoded><![CDATA[<p>Love it! It&#8217;s so true. Great article Ted.</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Sandy @ Yes, I Am Cheap</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2599</link>
		<dc:creator>Sandy @ Yes, I Am Cheap</dc:creator>
		<pubDate>Fri, 20 Jan 2012 05:13:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2599</guid>
		<description>For someone who doesn&#039;t have a license to give financial advice she has a pretty strong following. But in this case she will only be held accountable by her fans and not any licensing agency. Avoid taking questionable advice.</description>
		<content:encoded><![CDATA[<p>For someone who doesn&#8217;t have a license to give financial advice she has a pretty strong following. But in this case she will only be held accountable by her fans and not any licensing agency. Avoid taking questionable advice.</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Gina</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2585</link>
		<dc:creator>Gina</dc:creator>
		<pubDate>Tue, 17 Jan 2012 19:49:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2585</guid>
		<description>Sound advice Ted.  You give both the good and bad of each choice.  Great post!</description>
		<content:encoded><![CDATA[<p>Sound advice Ted.  You give both the good and bad of each choice.  Great post!</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Ted</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2584</link>
		<dc:creator>Ted</dc:creator>
		<pubDate>Tue, 17 Jan 2012 18:56:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2584</guid>
		<description>Steph,

It did make me wonder this.  If the advice she gave over the past 10 to 15 years was so good, how could so many of the people following her be so broke that they would need a pre paid debit card?    Guess, you are right . . . it&#039;s all about the money for her.

Ted</description>
		<content:encoded><![CDATA[<p>Steph,</p>
<p>It did make me wonder this.  If the advice she gave over the past 10 to 15 years was so good, how could so many of the people following her be so broke that they would need a pre paid debit card?    Guess, you are right . . . it&#8217;s all about the money for her.</p>
<p>Ted</p>
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		<title>Comment on Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers? by Steph</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/comment-page-1/#comment-2583</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Tue, 17 Jan 2012 18:19:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051#comment-2583</guid>
		<description>Actally I agree. I have always been a fan of Suze and have bought a couple of her books. I admire someone, especilly a woman, who has the knowledge and courage to discuss and teach others about money and how to handle finances. I did get an email about her pre-paid debit card and I was actually surprised. Other than book and lectures, I dont think it is a good move for her...but hey its all about the money right?</description>
		<content:encoded><![CDATA[<p>Actally I agree. I have always been a fan of Suze and have bought a couple of her books. I admire someone, especilly a woman, who has the knowledge and courage to discuss and teach others about money and how to handle finances. I did get an email about her pre-paid debit card and I was actually surprised. Other than book and lectures, I dont think it is a good move for her&#8230;but hey its all about the money right?</p>
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		<title>Comment on How Much Should I Leave For A Tip? by Chase</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/comment-page-1/#comment-2566</link>
		<dc:creator>Chase</dc:creator>
		<pubDate>Thu, 12 Jan 2012 19:32:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3040#comment-2566</guid>
		<description>This is a hot button issue so I&#039;ll try to be brief (we&#039;ll see if I succeed):

Tipping is required in the US because states allow restaurants to lower minimum wage for tipped employees to $2.13/hr.  This rate has not changed in the 10+ years I&#039;ve been in food service.  It grossly undervalues the employee and puts the responsibility of the guest to pay their wage.  It is ridiculous that companies can do that - but in foreign countries the prices are inflated in order for the companies to pay their staff a wage that will allow them to make a living without tips.  If tipping wasn&#039;t customary in the US then your bill would automatically be higher, whether it be a service charge or just inflated food costs.  It&#039;s a push and pull and I honestly can&#039;t say what I&#039;d prefer - I make more money in tips than a restaurant could probably afford hourly - but I do hate needing the charity of others in order to pay my mortgage and keep my lights on.

I&#039;ve got over a decade of experience so I fancy myself as a waiter who should average 20% as I pride myself on giving stellar service.  Sure, sometimes I miss and have my off days, but more than not I go above and beyond what normal people would expect when they pay 20%.  However the days I&#039;m off I get less than that (at times nothing) yet the days I give the best service of my life the number rarely goes above 20%.  Guests often overlook rewarding great service but never forget to punish poor service, even if it&#039;s minimal or not the servers fault.  I think when discussing the guilt regarding what tip you left it&#039;s important to point out that as much as you lower the tip for bad service you should equal be rewarding good service.

Lastly - you should never feel compelled to tip, even if it&#039;s added to your bill.  I struggle over it as a restaurant employee because I feel I should OVER tip because I understand or want good karma.  While I won&#039;t leave without some tip I don&#039;t leave a normal tip if the service isn&#039;t good.  I&#039;m infinitely patient and understanding so it takes a lot for me to lower a tip, but at the same rate you have to blow me away to get a significant amount more.  In the case of tip being added to your check - if you disagree with the amount politely ask for the manager and explain to him that you didn&#039;t feel the server deserved a tip of that amount.  Any manager/restaurant worth their salt will remove the tip to show their appreciation of your patronage and assure a return visit - and this also allows them to discuss the situation with the server and hopefully coach them in to a better employee that will then be better for it (or help the restaurant as a whole and get rid of someone who is sub-par).

I feel like I&#039;ve heard every side of the tipping argument and have sympathies all around - but it&#039;s a government sanctioned practice.  If you don&#039;t like tipping you have two choices - don&#039;t tip or harshly judge when tipping and the server suffers (and nothing changes), or work to change the standard through your local representatives for a fairer pay scale for tipped employees.  I know which will happen as it takes far too much effort to change something like this and it would affect the bottom line of large and small companies who would fight against it, but I like to dream that some day it might be a little better for everyone involved - guest and server.</description>
		<content:encoded><![CDATA[<p>This is a hot button issue so I&#8217;ll try to be brief (we&#8217;ll see if I succeed):</p>
<p>Tipping is required in the US because states allow restaurants to lower minimum wage for tipped employees to $2.13/hr.  This rate has not changed in the 10+ years I&#8217;ve been in food service.  It grossly undervalues the employee and puts the responsibility of the guest to pay their wage.  It is ridiculous that companies can do that &#8211; but in foreign countries the prices are inflated in order for the companies to pay their staff a wage that will allow them to make a living without tips.  If tipping wasn&#8217;t customary in the US then your bill would automatically be higher, whether it be a service charge or just inflated food costs.  It&#8217;s a push and pull and I honestly can&#8217;t say what I&#8217;d prefer &#8211; I make more money in tips than a restaurant could probably afford hourly &#8211; but I do hate needing the charity of others in order to pay my mortgage and keep my lights on.</p>
<p>I&#8217;ve got over a decade of experience so I fancy myself as a waiter who should average 20% as I pride myself on giving stellar service.  Sure, sometimes I miss and have my off days, but more than not I go above and beyond what normal people would expect when they pay 20%.  However the days I&#8217;m off I get less than that (at times nothing) yet the days I give the best service of my life the number rarely goes above 20%.  Guests often overlook rewarding great service but never forget to punish poor service, even if it&#8217;s minimal or not the servers fault.  I think when discussing the guilt regarding what tip you left it&#8217;s important to point out that as much as you lower the tip for bad service you should equal be rewarding good service.</p>
<p>Lastly &#8211; you should never feel compelled to tip, even if it&#8217;s added to your bill.  I struggle over it as a restaurant employee because I feel I should OVER tip because I understand or want good karma.  While I won&#8217;t leave without some tip I don&#8217;t leave a normal tip if the service isn&#8217;t good.  I&#8217;m infinitely patient and understanding so it takes a lot for me to lower a tip, but at the same rate you have to blow me away to get a significant amount more.  In the case of tip being added to your check &#8211; if you disagree with the amount politely ask for the manager and explain to him that you didn&#8217;t feel the server deserved a tip of that amount.  Any manager/restaurant worth their salt will remove the tip to show their appreciation of your patronage and assure a return visit &#8211; and this also allows them to discuss the situation with the server and hopefully coach them in to a better employee that will then be better for it (or help the restaurant as a whole and get rid of someone who is sub-par).</p>
<p>I feel like I&#8217;ve heard every side of the tipping argument and have sympathies all around &#8211; but it&#8217;s a government sanctioned practice.  If you don&#8217;t like tipping you have two choices &#8211; don&#8217;t tip or harshly judge when tipping and the server suffers (and nothing changes), or work to change the standard through your local representatives for a fairer pay scale for tipped employees.  I know which will happen as it takes far too much effort to change something like this and it would affect the bottom line of large and small companies who would fight against it, but I like to dream that some day it might be a little better for everyone involved &#8211; guest and server.</p>
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		<title>Comment on 5 Smart Financial Moves To Start The New Year Off With A Bang by Joe</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/03/5-smart-financial-moves-to-start-the-new-year-off-with-a-bang/comment-page-1/#comment-2554</link>
		<dc:creator>Joe</dc:creator>
		<pubDate>Wed, 11 Jan 2012 12:25:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1918#comment-2554</guid>
		<description>Great article! I also enjoyed the one done by Investing Ed on Five Smart Financial Moves to Begin the New Year which is found here &lt;a href=&quot;http://investinged.com/art.php?a=56&quot; rel=&quot;nofollow&quot;&gt;http://investinged.com/art.php?a=56&lt;/a&gt;!

Keep up the good work!
- Joe</description>
		<content:encoded><![CDATA[<p>Great article! I also enjoyed the one done by Investing Ed on Five Smart Financial Moves to Begin the New Year which is found here <a href="http://investinged.com/art.php?a=56" rel="nofollow">http://investinged.com/art.php?a=56</a>!</p>
<p>Keep up the good work!<br />
- Joe</p>
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		<title>Comment on Charitable deductions &#8211; Are these meant for donations inside our country or outside of our country? by Michael</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/comment-page-1/#comment-2549</link>
		<dc:creator>Michael</dc:creator>
		<pubDate>Tue, 10 Jan 2012 20:19:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2970#comment-2549</guid>
		<description>Hi Ted, I understand that viewpoint but the thing is that even the poor in this country are quite rich relative to the vast majority of the world. More than one-half of the world&#039;s people live below the internationally defined poverty line of less than U.S. $2 a day—including 97 percent in Uganda, 80 percent in Nicaragua, 66 percent in Pakistan, and 47 percent in China, according to data from the World Bank. 

As an American, I have previously lived in poverty for years myself (as defined by the federal poverty levels) and in this blessed country, even the poor have access to food stamps and emergency medical care. It would not have been possible for me to die of hunger. In short, even though I had no home, no assets, no anything... I still was rich when compared to a good chunk of the world&#039;s population.

For this reason, I find it hard to donate to basic need charities here in the U.S. since there are others elsewhere who have it so much worse. And I&#039;m in defensible position where I can fairly and accurately have that bias, since I have been a poor American myself for multiple years. These days I give at least 10% of my pre-tax annual income to internationally focused non-profits for this reason. 

In short, unemployment and poverty in America is not fun (I know!). However, it&#039;s still living in the lap of luxury, on a relative basis. Furthermore, the difference you can make - dollar by dollar - with an efficient int&#039;l focused charity is much more, compared to if it was spent within this borders. $5 here can buy 1 meal for some, $5 in Ethiopia can feed a person for 21 meals or 7 full days. That being said, my primary passion is addressing the root of the problem (i.e. creating clean water supplies, etc) so those in poverty in these countries can eventually become self sufficient.</description>
		<content:encoded><![CDATA[<p>Hi Ted, I understand that viewpoint but the thing is that even the poor in this country are quite rich relative to the vast majority of the world. More than one-half of the world&#8217;s people live below the internationally defined poverty line of less than U.S. $2 a day—including 97 percent in Uganda, 80 percent in Nicaragua, 66 percent in Pakistan, and 47 percent in China, according to data from the World Bank. </p>
<p>As an American, I have previously lived in poverty for years myself (as defined by the federal poverty levels) and in this blessed country, even the poor have access to food stamps and emergency medical care. It would not have been possible for me to die of hunger. In short, even though I had no home, no assets, no anything&#8230; I still was rich when compared to a good chunk of the world&#8217;s population.</p>
<p>For this reason, I find it hard to donate to basic need charities here in the U.S. since there are others elsewhere who have it so much worse. And I&#8217;m in defensible position where I can fairly and accurately have that bias, since I have been a poor American myself for multiple years. These days I give at least 10% of my pre-tax annual income to internationally focused non-profits for this reason. </p>
<p>In short, unemployment and poverty in America is not fun (I know!). However, it&#8217;s still living in the lap of luxury, on a relative basis. Furthermore, the difference you can make &#8211; dollar by dollar &#8211; with an efficient int&#8217;l focused charity is much more, compared to if it was spent within this borders. $5 here can buy 1 meal for some, $5 in Ethiopia can feed a person for 21 meals or 7 full days. That being said, my primary passion is addressing the root of the problem (i.e. creating clean water supplies, etc) so those in poverty in these countries can eventually become self sufficient.</p>
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		<title>Comment on What do you do when you lose a spouse? by Ten Things To Include In Your Will &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2009/10/10/what-do-you-do-when-you-lose-a-spouse/comment-page-1/#comment-2548</link>
		<dc:creator>Ten Things To Include In Your Will &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Tue, 10 Jan 2012 03:02:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=676#comment-2548</guid>
		<description>[...] out these other articles &#8211; Update Your Beneficiary Designations, What do you do when you lose a spouse? , Long Term Care Insurance . . How Does It Work? , Top 10 Estate Planning [...]</description>
		<content:encoded><![CDATA[<p>[...] out these other articles &#8211; Update Your Beneficiary Designations, What do you do when you lose a spouse? , Long Term Care Insurance . . How Does It Work? , Top 10 Estate Planning [...]</p>
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		<title>Comment on Should I Refinance My Mortgage? by Things To Consider When Shopping For A Mortgage</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/comment-page-1/#comment-2547</link>
		<dc:creator>Things To Consider When Shopping For A Mortgage</dc:creator>
		<pubDate>Tue, 10 Jan 2012 02:22:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3022#comment-2547</guid>
		<description>[...] Aams Advisory Services Inc Alpharetta Ga Alpharetta Ga 30022 Atlanta Georgia Awma Broker Dealer Business Owners Business Radio Ceo Cfp Cmfc Complimentary Consultation Credit Cards Crpc Crps Dealer Member financial advice to the X and Y Generation Financial Decisions Free Consultation Free Financial Consultation Generation X Gen X &amp; Y Financial Advice Gen X &amp; Y Financial Advice Insurance Policies Investacorp Jenkin Kile Kile Lewis Knowledgeable Professionals Money Advice Oxygen OxygenFinancial oXYGen Financial Personal Finance Personal Finance 101 Registered Investment Advisory Firm Retirement Retirement Plan Smart Money Smart Money Moves Ted Ted Jenkin Y Generation your smart money movesSource: yoursmartmoneymoves.com [...]</description>
		<content:encoded><![CDATA[<p>[...] Aams Advisory Services Inc Alpharetta Ga Alpharetta Ga 30022 Atlanta Georgia Awma Broker Dealer Business Owners Business Radio Ceo Cfp Cmfc Complimentary Consultation Credit Cards Crpc Crps Dealer Member financial advice to the X and Y Generation Financial Decisions Free Consultation Free Financial Consultation Generation X Gen X &amp; Y Financial Advice Gen X &amp; Y Financial Advice Insurance Policies Investacorp Jenkin Kile Kile Lewis Knowledgeable Professionals Money Advice Oxygen OxygenFinancial oXYGen Financial Personal Finance Personal Finance 101 Registered Investment Advisory Firm Retirement Retirement Plan Smart Money Smart Money Moves Ted Ted Jenkin Y Generation your smart money movesSource: yoursmartmoneymoves.com [...]</p>
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		<title>Comment on Top 10 Ways To Tighten Up Expenses For Business Owners by Andrea Luoni</title>
		<link>http://www.yoursmartmoneymoves.com/2010/03/15/top-10-ways-to-tighten-up-expenses-for-business-owners/comment-page-1/#comment-2517</link>
		<dc:creator>Andrea Luoni</dc:creator>
		<pubDate>Tue, 03 Jan 2012 02:45:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1113#comment-2517</guid>
		<description>Insurance - when has an umbrella policy ever saved a business money, except if they are being sued?  Most umbrella policies are never tapped into though, they are seen only for the catastrophic loss.  When does an agent reduce your insurance cost, isn&#039;t that in contrast to the way they are paid?  It seems so few people know that there are insurance consultants out there that actually work for the client instead of the insurance carriers, and that is so seldom recommended.  I am not saying insurance agents are bad, but they are paid commission based on how much you pay for insurance, and let&#039;s face it most people and business owners know little about insurance and have to rely on someone, but why someone who earns more when they sell more?  That $1,000,000 dollar umbrella policy may likely cost you $1,000 a year to which the agent gets paid about $150 a year for selling it to you.  Just food for thought.  Cutting cost on insurance is easy to do without jeopardizing coverage but it is a good idea to look for an independent and neutral party to assist.

Andrea Luoni
RateCraft</description>
		<content:encoded><![CDATA[<p>Insurance &#8211; when has an umbrella policy ever saved a business money, except if they are being sued?  Most umbrella policies are never tapped into though, they are seen only for the catastrophic loss.  When does an agent reduce your insurance cost, isn&#8217;t that in contrast to the way they are paid?  It seems so few people know that there are insurance consultants out there that actually work for the client instead of the insurance carriers, and that is so seldom recommended.  I am not saying insurance agents are bad, but they are paid commission based on how much you pay for insurance, and let&#8217;s face it most people and business owners know little about insurance and have to rely on someone, but why someone who earns more when they sell more?  That $1,000,000 dollar umbrella policy may likely cost you $1,000 a year to which the agent gets paid about $150 a year for selling it to you.  Just food for thought.  Cutting cost on insurance is easy to do without jeopardizing coverage but it is a good idea to look for an independent and neutral party to assist.</p>
<p>Andrea Luoni<br />
RateCraft</p>
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		<title>Comment on Is An Equity Indexed Annuity A Good Idea? by Andy Rates</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/23/is-an-equity-indexed-annuity-a-good-idea/comment-page-1/#comment-2512</link>
		<dc:creator>Andy Rates</dc:creator>
		<pubDate>Mon, 02 Jan 2012 17:15:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2676#comment-2512</guid>
		<description>The annuity description was helpful, but how can such a relationship not allow for EIAs withdrawal? 
I mean if I decide I want to get my  money out why should I suffer a penalty?</description>
		<content:encoded><![CDATA[<p>The annuity description was helpful, but how can such a relationship not allow for EIAs withdrawal?<br />
I mean if I decide I want to get my  money out why should I suffer a penalty?</p>
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		<title>Comment on Top 5 Things To Do With Your Gift Cards by Constance Leigh Craven-Cox</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/comment-page-1/#comment-2501</link>
		<dc:creator>Constance Leigh Craven-Cox</dc:creator>
		<pubDate>Fri, 30 Dec 2011 17:00:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2992#comment-2501</guid>
		<description>I like your advice about things like this.  Especially about reading the back of the card for expiration and devaluation.  I won&#039;t purchase any GC that expires or decreases in value.  That&#039;s just BS.  I love Ted and Kyle on The Regular Guys Show.  You guys are hilarious and informative.  Good times.</description>
		<content:encoded><![CDATA[<p>I like your advice about things like this.  Especially about reading the back of the card for expiration and devaluation.  I won&#8217;t purchase any GC that expires or decreases in value.  That&#8217;s just BS.  I love Ted and Kyle on The Regular Guys Show.  You guys are hilarious and informative.  Good times.</p>
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		<title>Comment on Be a Tax Pro!  Part II:  5 MORE ways to cut your 2011 personal income taxes by Be a Tax Pro! 5 ways to cut your 2011 personal income taxes &#124; Your Smart Money Moves</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/comment-page-1/#comment-2428</link>
		<dc:creator>Be a Tax Pro! 5 ways to cut your 2011 personal income taxes &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 21 Dec 2011 16:48:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2984#comment-2428</guid>
		<description>[...] Continue to Part Two Here [...]</description>
		<content:encoded><![CDATA[<p>[...] Continue to Part Two Here [...]</p>
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		<title>Comment on Be a Tax Pro! 5 ways to cut your 2011 personal income taxes by Be a Tax Pro! Part II: 5 MORE ways to cut your 2011 personal income taxes &#124; Your Smart Money Moves</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/comment-page-1/#comment-2427</link>
		<dc:creator>Be a Tax Pro! Part II: 5 MORE ways to cut your 2011 personal income taxes &#124; Your Smart Money Moves</dc:creator>
		<pubDate>Wed, 21 Dec 2011 16:47:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2976#comment-2427</guid>
		<description>[...] Read Part 1 Here [...]</description>
		<content:encoded><![CDATA[<p>[...] Read Part 1 Here [...]</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; Marriage And Medical Insurance by best isas</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/comment-page-1/#comment-2406</link>
		<dc:creator>best isas</dc:creator>
		<pubDate>Wed, 14 Dec 2011 09:06:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2929#comment-2406</guid>
		<description>With all the financial concerns to keep on top of (e.g.: finding the best ISAs, paying credit cards, making the right stock investment, etc.), things can get confusing and frustrating fast. With computer applications like these though, there is hope of being organised and actually improving personal finances.</description>
		<content:encoded><![CDATA[<p>With all the financial concerns to keep on top of (e.g.: finding the best ISAs, paying credit cards, making the right stock investment, etc.), things can get confusing and frustrating fast. With computer applications like these though, there is hope of being organised and actually improving personal finances.</p>
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		<title>Comment on Some look to “The Stock Trader’s Almanac” to develop their investment strategy. by Peter</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/16/some-look-to-%e2%80%9cthe-stock-trader%e2%80%99s-almanac%e2%80%9d-to-develop-their-investment-strategy/comment-page-1/#comment-2361</link>
		<dc:creator>Peter</dc:creator>
		<pubDate>Thu, 08 Dec 2011 05:30:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2157#comment-2361</guid>
		<description>I have been tinkering with this &quot;first trading day of the month&quot; method on a spreadsheet and also used money management and removed the worst performing 3 months of the year (same 3 every year).
The difference this makes to the returns is unbelievable, I plan to trade it starting Jan 2012 but may also try a 4 or 5 day trade along the same lines too.
Unfortunately 2011 was not a kind year to the system, hope it gets better from here on</description>
		<content:encoded><![CDATA[<p>I have been tinkering with this &#8220;first trading day of the month&#8221; method on a spreadsheet and also used money management and removed the worst performing 3 months of the year (same 3 every year).<br />
The difference this makes to the returns is unbelievable, I plan to trade it starting Jan 2012 but may also try a 4 or 5 day trade along the same lines too.<br />
Unfortunately 2011 was not a kind year to the system, hope it gets better from here on</p>
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		<title>Comment on Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation? by &#8220;Ten Tax Moves&#8221; &#38; More from Sambuca&#8217;s Reading List &#124; Sambuca&#039;s Blog</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/comment-page-1/#comment-2272</link>
		<dc:creator>&#8220;Ten Tax Moves&#8221; &#38; More from Sambuca&#8217;s Reading List &#124; Sambuca&#039;s Blog</dc:creator>
		<pubDate>Mon, 28 Nov 2011 14:08:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2924#comment-2272</guid>
		<description>[...] LLC or SCorp- by Dan Lucas, CPA for Your Smart Money Moves [...]</description>
		<content:encoded><![CDATA[<p>[...] LLC or SCorp- by Dan Lucas, CPA for Your Smart Money Moves [...]</p>
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		<title>Comment on Gas At $5 A Gallon by Filipino Food Guide</title>
		<link>http://www.yoursmartmoneymoves.com/2010/12/08/gas-at-5-a-gallon/comment-page-1/#comment-2223</link>
		<dc:creator>Filipino Food Guide</dc:creator>
		<pubDate>Tue, 22 Nov 2011 15:19:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1875#comment-2223</guid>
		<description>The gas price is really a killer on the budget side. I on my part sold my car already because the gas, the registration, the insurance is killing me.

Im of to commuting and walking now, well, at least I get to have a form of exercise in walking :-)</description>
		<content:encoded><![CDATA[<p>The gas price is really a killer on the budget side. I on my part sold my car already because the gas, the registration, the insurance is killing me.</p>
<p>Im of to commuting and walking now, well, at least I get to have a form of exercise in walking :-)</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)? by Erik L</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/comment-page-1/#comment-2137</link>
		<dc:creator>Erik L</dc:creator>
		<pubDate>Mon, 07 Nov 2011 18:25:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804#comment-2137</guid>
		<description>Funny you posted this...My 7 YO son is going to have his party in December. My Wife priced out those places you described as well as party vans that came to the house with game platforms inside. When she was getting prices like $500 to $1000, I said, why don&#039;t we just ask him, if he wants a one-day party for $500+ OR we buy an XBOX 360 console and have a sleepover for 2-3 friends with pizza and cake and they can stay up all night and play XBOX. 

Before she even got out the full explained idea of XBOX vs Party, XBOX was chosen! Yes, we bought it on sale ($300) with a $75 gift card used for party munchies (and other household goods) so, It&#039;s as close to a 1978 style party as you can have today!</description>
		<content:encoded><![CDATA[<p>Funny you posted this&#8230;My 7 YO son is going to have his party in December. My Wife priced out those places you described as well as party vans that came to the house with game platforms inside. When she was getting prices like $500 to $1000, I said, why don&#8217;t we just ask him, if he wants a one-day party for $500+ OR we buy an XBOX 360 console and have a sleepover for 2-3 friends with pizza and cake and they can stay up all night and play XBOX. </p>
<p>Before she even got out the full explained idea of XBOX vs Party, XBOX was chosen! Yes, we bought it on sale ($300) with a $75 gift card used for party munchies (and other household goods) so, It&#8217;s as close to a 1978 style party as you can have today!</p>
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		<title>Comment on Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)? by Anna Brindley</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/comment-page-1/#comment-2127</link>
		<dc:creator>Anna Brindley</dc:creator>
		<pubDate>Fri, 04 Nov 2011 22:52:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804#comment-2127</guid>
		<description>Thank you! Finally, someone is talking about this. I love your ideas too! Cupcake wars, I am sure are far more memorable than games off site...and more intimate too.</description>
		<content:encoded><![CDATA[<p>Thank you! Finally, someone is talking about this. I love your ideas too! Cupcake wars, I am sure are far more memorable than games off site&#8230;and more intimate too.</p>
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