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	<title>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>
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		<title>Are My Withholdings For Taxes Correct?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/16/are-my-withholdings-for-taxes-correct/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/16/are-my-withholdings-for-taxes-correct/#comments</comments>
		<pubDate>Wed, 16 May 2012 13:59:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[a big tax refund]]></category>
		<category><![CDATA[a chance to earn interest on your money]]></category>
		<category><![CDATA[Accountant]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[an interest free loan to the Government]]></category>
		<category><![CDATA[Are My Withholdings For Taxes Correct?]]></category>
		<category><![CDATA[Cpa]]></category>
		<category><![CDATA[Did you buy or sell a home in 2012?]]></category>
		<category><![CDATA[Did you get a bonus in 2012?]]></category>
		<category><![CDATA[Did you get divorced in 2012?]]></category>
		<category><![CDATA[Did you get married (or are you going to get married) here in 2012?]]></category>
		<category><![CDATA[Did you have a new baby or did you have a baby in 2012?]]></category>
		<category><![CDATA[Did you start a business in 2012 or will something change in your business in 2012 in terms of net earnings?]]></category>
		<category><![CDATA[Earnings]]></category>
		<category><![CDATA[entertainment or travel expenses]]></category>
		<category><![CDATA[Figuring out your tax withholdings]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[Give your accountant your most recent pay stubs to see what level you are withholding taxes here in 2012?]]></category>
		<category><![CDATA[Income Tax Returns]]></category>
		<category><![CDATA[Individual Income Tax]]></category>
		<category><![CDATA[individual income-tax returns]]></category>
		<category><![CDATA[Interest Free Loan]]></category>
		<category><![CDATA[Internal Revenue Service]]></category>
		<category><![CDATA[Irs]]></category>
		<category><![CDATA[New Baby]]></category>
		<category><![CDATA[Opportunity Cost]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Pay Stubs]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Receipts]]></category>
		<category><![CDATA[receipts for taxes]]></category>
		<category><![CDATA[refunds for the 2011 tax year]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[still waiting to file their tax extension]]></category>
		<category><![CDATA[Stock Options]]></category>
		<category><![CDATA[Tax Advice]]></category>
		<category><![CDATA[Tax Extension]]></category>
		<category><![CDATA[tax issues involving investing]]></category>
		<category><![CDATA[Tax Refund]]></category>
		<category><![CDATA[Tax Return]]></category>
		<category><![CDATA[Tax Returns]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the leading financial experts]]></category>
		<category><![CDATA[Two Camps]]></category>
		<category><![CDATA[Two States]]></category>
		<category><![CDATA[wait until the tax return filing begin next spring]]></category>
		<category><![CDATA[Will you have stock to sell or stock options to exercise in 2012?]]></category>
		<category><![CDATA[Withholding Taxes]]></category>
		<category><![CDATA[Wsj]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[you owed money for taxes]]></category>
		<category><![CDATA[your tax brackets and overall income]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3476</guid>
		<description><![CDATA[Since tax season has just passed, you are probably in one of two states of minds.   Either a) you love your CPA because you got a big refund, or b) you hate your CPA because ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/05/16/are-my-withholdings-for-taxes-correct/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The New Credit Card Problem: A College Education</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/14/the-new-credit-card-problem-a-college-education/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/14/the-new-credit-card-problem-a-college-education/#comments</comments>
		<pubDate>Mon, 14 May 2012 12:25:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[3 Feet]]></category>
		<category><![CDATA[ability to really afford a college education]]></category>
		<category><![CDATA[biggest problem amongst personal financial issues for individuals and couples]]></category>
		<category><![CDATA[College Education]]></category>
		<category><![CDATA[College Students]]></category>
		<category><![CDATA[consumer borrowing]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Economic Discussions]]></category>
		<category><![CDATA[Education Source]]></category>
		<category><![CDATA[Families With Incomes]]></category>
		<category><![CDATA[Federal Student Loan]]></category>
		<category><![CDATA[Federal Student Loan Program]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[financial and economic discussions]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Future Children]]></category>
		<category><![CDATA[Future Students]]></category>
		<category><![CDATA[G.I.Bill part II]]></category>
		<category><![CDATA[Higher Education]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Income Families]]></category>
		<category><![CDATA[interest rate on the popular Stafford federal student loan program]]></category>
		<category><![CDATA[Mortgage Rates]]></category>
		<category><![CDATA[Or pay off my student loan?]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Pell Grant Program]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Personal Financial Issues]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Should I build a savings account?]]></category>
		<category><![CDATA[Should I buy a home?]]></category>
		<category><![CDATA[Should I contrib0ute to my 401(k)?]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Student Loan Program]]></category>
		<category><![CDATA[Subsidized Stafford Loan]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The New Credit Card Problem: A College Education]]></category>
		<category><![CDATA[type of money to set aside scholarships]]></category>
		<category><![CDATA[Urgent Priorities]]></category>
		<category><![CDATA[www.nytimes.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3471</guid>
		<description><![CDATA[Amidst the many financial and economic discussions happening around the United States, there is a serious issue lurking right around the corner.   Although mortgage rates are around their all time low and consumer borrowing appears ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Your 401(k) Offer An &#8220;In Service&#8221; Distribution?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/11/does-your-401k-offer-an-in-service-distribution/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/11/does-your-401k-offer-an-in-service-distribution/#comments</comments>
		<pubDate>Fri, 11 May 2012 18:47:58 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[401 K Plans]]></category>
		<category><![CDATA[401k "In Service" Distribution]]></category>
		<category><![CDATA[403 B Plans]]></category>
		<category><![CDATA[403(b) plans]]></category>
		<category><![CDATA[457 Plans]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[benefits department]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[build a much more diversified portfolio]]></category>
		<category><![CDATA[employer contributions including match and profit sharing]]></category>
		<category><![CDATA[Fidelity]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[Investment Choices]]></category>
		<category><![CDATA[Investment Control]]></category>
		<category><![CDATA[Irs]]></category>
		<category><![CDATA[Larger Companies]]></category>
		<category><![CDATA[Limited Power]]></category>
		<category><![CDATA[Market Crash]]></category>
		<category><![CDATA[Money Advice]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Paperwork]]></category>
		<category><![CDATA[personal after-tax contribution]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement funds]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<category><![CDATA[Rollover Ira]]></category>
		<category><![CDATA[rollover money from a 401(k) plan to your own IRA]]></category>
		<category><![CDATA[Service Distribution]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Summary Plan Description]]></category>
		<category><![CDATA[Target]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Thrift Saving]]></category>
		<category><![CDATA[Thrift Saving Plans]]></category>
		<category><![CDATA[what you can do with your 401(k) if you leave your employer]]></category>
		<category><![CDATA[X Clients]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[your retirement assets]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3468</guid>
		<description><![CDATA[For Generation X clients, the majority of their retirement savings are in the company 401(k).   While you do have a multitude of options of what you can do with your 401(k) if you leave your ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/05/11/does-your-401k-offer-an-in-service-distribution/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Four Legal Things to Do With Your Tax Refund</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/09/four-legal-things-to-do-with-your-tax-refund/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/09/four-legal-things-to-do-with-your-tax-refund/#comments</comments>
		<pubDate>Wed, 09 May 2012 18:07:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Accidents]]></category>
		<category><![CDATA[Advance Directive]]></category>
		<category><![CDATA[Better Time]]></category>
		<category><![CDATA[Business Income]]></category>
		<category><![CDATA[Chris Lessard]]></category>
		<category><![CDATA[Cpa]]></category>
		<category><![CDATA[Cruise Bahamas]]></category>
		<category><![CDATA[Cruise To The Bahamas]]></category>
		<category><![CDATA[Draft a Will]]></category>
		<category><![CDATA[four big legal things]]></category>
		<category><![CDATA[Four Legal Things to Do With Your Tax Refund]]></category>
		<category><![CDATA[Last Will And Testament]]></category>
		<category><![CDATA[LegalEeze]]></category>
		<category><![CDATA[Look At Your Life]]></category>
		<category><![CDATA[Misfortunes]]></category>
		<category><![CDATA[Norris Legal]]></category>
		<category><![CDATA[Patrick R. Norris]]></category>
		<category><![CDATA[Perfect Time]]></category>
		<category><![CDATA[Personal Liability]]></category>
		<category><![CDATA[Power Of Attorney]]></category>
		<category><![CDATA[Put your rental property into an LLC]]></category>
		<category><![CDATA[Rental Properties]]></category>
		<category><![CDATA[Rental Property]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Summer Vacation]]></category>
		<category><![CDATA[Tax Refund]]></category>
		<category><![CDATA[tax savings from putting your rental property into an LLC]]></category>
		<category><![CDATA[Tax Time]]></category>
		<category><![CDATA[the average tax refund]]></category>
		<category><![CDATA[Trademark your business logo]]></category>
		<category><![CDATA[Uncle Sam]]></category>
		<category><![CDATA[Update your Business Contracts]]></category>
		<category><![CDATA[www.legaleeze.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3460</guid>
		<description><![CDATA[April 17th has come and gone.  Hopefully, you are like most Americans and Uncle Sam owes you a refund.  This year the average refund was just a shade under $3,000.  While it is tempting to ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/05/09/four-legal-things-to-do-with-your-tax-refund/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Ways To Save Money On Mother’s Day</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/07/5-ways-to-save-money-on-mothers-day/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/07/5-ways-to-save-money-on-mothers-day/#comments</comments>
		<pubDate>Mon, 07 May 2012 17:36:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[3-D animation movie on Mother’s Day]]></category>
		<category><![CDATA[5 Ways To Save Money On Mother’s Day]]></category>
		<category><![CDATA[Baseball Team]]></category>
		<category><![CDATA[Billion Dollars]]></category>
		<category><![CDATA[Commercial Break]]></category>
		<category><![CDATA[Entertainment Book]]></category>
		<category><![CDATA[Favorite Restaurant]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Flower Arrangements]]></category>
		<category><![CDATA[Ftd]]></category>
		<category><![CDATA[Great Stuff]]></category>
		<category><![CDATA[Local Radio Station]]></category>
		<category><![CDATA[Mother Days Money Saving Ideas]]></category>
		<category><![CDATA[National Retail Federation]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[President State]]></category>
		<category><![CDATA[Proflowers]]></category>
		<category><![CDATA[Rsquo]]></category>
		<category><![CDATA[Saturday Nights]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Staples]]></category>
		<category><![CDATA[Sunday Brunch]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Teleflora]]></category>
		<category><![CDATA[Television Program]]></category>
		<category><![CDATA[The BEST Gifts for Mom]]></category>
		<category><![CDATA[Ways To Save Money]]></category>
		<category><![CDATA[Word On The Street]]></category>
		<category><![CDATA[www.ftd.com]]></category>
		<category><![CDATA[www.proflowers.com]]></category>
		<category><![CDATA[www.teleflora.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3455</guid>
		<description><![CDATA[Mother’s Day is less than a week away and word on the street is that spending is up this year.    The National Retail Federal found consumers will spend 16.3 billion dollars on moms this year.    ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Please Slap My Hand When I Spend Money!</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/04/please-slap-my-hand-when-i-spend-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/04/please-slap-my-hand-when-i-spend-money/#comments</comments>
		<pubDate>Fri, 04 May 2012 18:35:03 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[a terrible recession]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Back Door]]></category>
		<category><![CDATA[Cigarettes]]></category>
		<category><![CDATA[Cyndi Lauper]]></category>
		<category><![CDATA[Facebook and Pinterest]]></category>
		<category><![CDATA[Fictitious Characters]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Advisors]]></category>
		<category><![CDATA[Financial Future]]></category>
		<category><![CDATA[Four Seasons]]></category>
		<category><![CDATA[Gen X]]></category>
		<category><![CDATA[Gen X’ers]]></category>
		<category><![CDATA[Gen X’ers and Money]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[Get a plan where you have a cash reserve]]></category>
		<category><![CDATA[get cash out of the bank so transactions are harder to follow]]></category>
		<category><![CDATA[Habit]]></category>
		<category><![CDATA[lied about finances]]></category>
		<category><![CDATA[marital mischief that goes on between couples in their financial life]]></category>
		<category><![CDATA[Mba]]></category>
		<category><![CDATA[Money Advice]]></category>
		<category><![CDATA[Money In Your Pocket]]></category>
		<category><![CDATA[money systematically being saved]]></category>
		<category><![CDATA[need to pay less to the Government in taxes]]></category>
		<category><![CDATA[need to save more money]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Reading Society]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[Ritz Carlton]]></category>
		<category><![CDATA[shows like American Pickers and Storage Hunters]]></category>
		<category><![CDATA[Slang]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Social Media Trap]]></category>
		<category><![CDATA[Spending Money]]></category>
		<category><![CDATA[spouses hide purchases]]></category>
		<category><![CDATA[take control of their financial future]]></category>
		<category><![CDATA[Technology Is Addicting]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the Housewives Of Orange County and debt]]></category>
		<category><![CDATA[The Leaders in Gen x & Y Financial Advice]]></category>
		<category><![CDATA[the leading financial experts]]></category>
		<category><![CDATA[the trend is returning that spending money is a hard habit to break]]></category>
		<category><![CDATA[the visual nature of big purchases]]></category>
		<category><![CDATA[Three Thoughts]]></category>
		<category><![CDATA[try to live off your salary]]></category>
		<category><![CDATA[Vp]]></category>
		<category><![CDATA[What is the cause of this uncontrollable spending behavior]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3451</guid>
		<description><![CDATA[For Generation X, I’ve noticed something over the past couple of years around money that seems to becoming a trend.    Even though you are college educated (maybe an MBA), have a great job as a ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beneficiary Designations for your IRA</title>
		<link>http://www.yoursmartmoneymoves.com/2012/05/02/beneficiary-designations-for-your-ira/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/05/02/beneficiary-designations-for-your-ira/#comments</comments>
		<pubDate>Wed, 02 May 2012 17:28:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[401 K]]></category>
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		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Bad Idea]]></category>
		<category><![CDATA[Beneficiaries]]></category>
		<category><![CDATA[Beneficiary Designations]]></category>
		<category><![CDATA[Beneficiary Designations for your IRA]]></category>
		<category><![CDATA[beneficiary to maximize their lifetime tax savings]]></category>
		<category><![CDATA[Drafting]]></category>
		<category><![CDATA[estate planning attorney]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Food For Thought]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Ira Beneficiary]]></category>
		<category><![CDATA[Last Will And Testament]]></category>
		<category><![CDATA[Last Will and Testament Help]]></category>
		<category><![CDATA[legal advice]]></category>
		<category><![CDATA[LegalEeze]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[lifetime tax deferment benefits]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Name a “backup” beneficiary in case your designated beneficiary dies]]></category>
		<category><![CDATA[Norris Legal LLC]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Patrick R. Norris]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Picking a beneficiary for your IRA]]></category>
		<category><![CDATA[Proceeds]]></category>
		<category><![CDATA[Property Probate]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Accounts]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[retirement plans and life insurance]]></category>
		<category><![CDATA[Smart Money]]></category>
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		<category><![CDATA[Store your beneficiary form in a safe place]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[What are Beneficiary Designations]]></category>
		<category><![CDATA[What Beneficiary Designations mean and why they matter]]></category>
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		<category><![CDATA[your estate as beneficiary can be a bad idea]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3443</guid>
		<description><![CDATA[What Beneficiary Designations mean and why they matter&#8230; 
For most people, “estate planning” means drafting documents (such as a Last Will and Testament) that makes sure that your property is managed and distributed according to ...]]></description>
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		<title>5 Things You Won’t Hear At The College Graduation Commencement Speech</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/30/5-things-you-wont-hear-at-the-college-graduation-commencement-speech/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/30/5-things-you-wont-hear-at-the-college-graduation-commencement-speech/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 15:14:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[15 Rounds]]></category>
		<category><![CDATA[College Graduation]]></category>
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		<category><![CDATA[should I become a business owner]]></category>
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		<category><![CDATA[what to do after graduation day]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3425</guid>
		<description><![CDATA[It’s been over 20 years since I heard my college graduation commencement speech.  I can’t say I remember very much of it except that it was like hearing some sort of State Of The Union ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>How Much Do I Give For A Wedding Gift?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/27/how-much-do-i-give-for-a-wedding-gift/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/27/how-much-do-i-give-for-a-wedding-gift/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 16:29:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[a wedding invitation as a personal invoice for you to spend money]]></category>
		<category><![CDATA[Airline Ticket]]></category>
		<category><![CDATA[and possibly buy a new dress or suit for the upcoming wedding]]></category>
		<category><![CDATA[best to give cash or a gift card]]></category>
		<category><![CDATA[book a hotel room]]></category>
		<category><![CDATA[Cheapskate]]></category>
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		<category><![CDATA[fabandfru.com gift planning ideas]]></category>
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		<category><![CDATA[How Much Do I Give For A Wedding Gift?]]></category>
		<category><![CDATA[how much is the right amount to give for a wedding gift]]></category>
		<category><![CDATA[Locatio]]></category>
		<category><![CDATA[long time childhood friend invites you to their wedding]]></category>
		<category><![CDATA[make a smart money move]]></category>
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		<category><![CDATA[New Dress]]></category>
		<category><![CDATA[Second Cousin]]></category>
		<category><![CDATA[spend money to get an airline ticket]]></category>
		<category><![CDATA[Ted Jenkin co-CEO and Founder of oXYGen Financial]]></category>
		<category><![CDATA[the cost of the gift does not equal the price of admission into the party]]></category>
		<category><![CDATA[The Leaders in Gen x & Y Financial Advice]]></category>
		<category><![CDATA[Ticket Book]]></category>
		<category><![CDATA[Wallet]]></category>
		<category><![CDATA[Wedding Couple]]></category>
		<category><![CDATA[Wedding Gift]]></category>
		<category><![CDATA[Wedding Invitation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3416</guid>
		<description><![CDATA[Your college roommate or long time childhood friend invites you to their wedding.   Or better yet, you’ve got a big family and your second cousin Joe is getting married and last time you saw him ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Your Kid Just Received A National Award and a $3000 Bill!</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/25/your-kid-just-received-a-national-award-and-a-3000-thousand-dollar-bill/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/25/your-kid-just-received-a-national-award-and-a-3000-thousand-dollar-bill/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 13:35:49 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[a bill for attendance to pick up the student's award]]></category>
		<category><![CDATA[a gimmick for an organization to make money]]></category>
		<category><![CDATA[Advancement Award]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Belief]]></category>
		<category><![CDATA[Dollar Bill]]></category>
		<category><![CDATA[Fabulous Experience]]></category>
		<category><![CDATA[Family Vacation]]></category>
		<category><![CDATA[Fifteen Years]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
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		<category><![CDATA[Gimmick]]></category>
		<category><![CDATA[High School Award Scams]]></category>
		<category><![CDATA[Leaders in Gen x & Y Financial Advice]]></category>
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		<category><![CDATA[potentially extra costs for additional coaching]]></category>
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		<category><![CDATA[Shapes And Sizes]]></category>
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		<category><![CDATA[Something Special]]></category>
		<category><![CDATA[Sports Teams]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the fees to joint different sports leagues]]></category>
		<category><![CDATA[Time And Money]]></category>
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		<category><![CDATA[Won a three day school award]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3406</guid>
		<description><![CDATA[I love my kids.   I really do.  Like any parent, you get excited when they get good grades, their sports teams do well, or they achieve something special that helps you feel like you are ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101: Generation X &#8211; You Just Turned 40: Last Time To Get Life Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/23/personal-finance-101-generation-x-you-just-turned-40-last-time-to-get-life-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/23/personal-finance-101-generation-x-you-just-turned-40-last-time-to-get-life-insurance/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 15:07:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[permanent insurance there are various types of product structures]]></category>
		<category><![CDATA[Personal Attitude]]></category>
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		<category><![CDATA[Personal Finance 101: Generation X]]></category>
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		<category><![CDATA[Type Of Cancer]]></category>
		<category><![CDATA[why do People avoid buying permanent insurance]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3399</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>I Need A Budget! Where Do I Start?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/18/i-need-a-budget-where-do-i-start/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/18/i-need-a-budget-where-do-i-start/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 16:20:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[22 Years]]></category>
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		<category><![CDATA[budget will be crucial to your financial success]]></category>
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		<category><![CDATA[it always feels like I am living paycheck to paycheck]]></category>
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		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the CEO of your family finances]]></category>
		<category><![CDATA[use a site like Mint.com]]></category>
		<category><![CDATA[using an excel spreadsheet and listing each of your bills]]></category>
		<category><![CDATA[Visa Mc Amex]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3391</guid>
		<description><![CDATA[Whether you are 22 years old or 52 years old, you are truly the CEO of your family finances.   There are those of us that love to track, manage, and watch our monthly numbers, and ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Top 5 Celebrities Who Had Tax Problems With The IRS</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/16/top-5-celebrities-who-had-tax-problems-with-the-irs/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/16/top-5-celebrities-who-had-tax-problems-with-the-irs/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 13:45:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Federal Taxes]]></category>
		<category><![CDATA[file your tax returns]]></category>
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		<category><![CDATA[making sure your deductions are ironclad when you file your taxes]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3387</guid>
		<description><![CDATA[If you ever get the chance to become famous, it may be followed by fortune.   Stars that get the chance to be in the Hollywood limelight or reach tremendous athletic prowess can often make tens ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Georgia Residents: Should You Buy A Car This Year or Next Year?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/13/georgia-residents-should-you-buy-a-car-this-year-or-next-year/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 18:26:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Ad Valorem Tax]]></category>
		<category><![CDATA[annual ad valorem vehicle property tax]]></category>
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		<category><![CDATA[Current Sales]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Ford Fusion]]></category>
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		<category><![CDATA[Georgia Residents]]></category>
		<category><![CDATA[Georgia Residents: Should You Buy A Car This Year or Next Year?]]></category>
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		<category><![CDATA[House Bill 386]]></category>
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		<category><![CDATA[is it a good time to buy a car this year in 2012]]></category>
		<category><![CDATA[looking to purchase a 2012 Ford Fusion Hybrid]]></category>
		<category><![CDATA[March 1]]></category>
		<category><![CDATA[one-time “title fee” on new or used vehicles]]></category>
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		<category><![CDATA[Property Tax]]></category>
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		<category><![CDATA[Time Title]]></category>
		<category><![CDATA[Time To Buy A Car]]></category>
		<category><![CDATA[Vans]]></category>
		<category><![CDATA[Vehicle Ad Valorem Assessment]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3381</guid>
		<description><![CDATA[Legislation passed a few weeks ago in the state of Georgia that may make you consider whether it is a good time to buy a car this year in 2012 or wait until after March ...]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Can You Protect Yourself From Online Hackers?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/11/can-you-protect-yourself-from-online-hackers/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/11/can-you-protect-yourself-from-online-hackers/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 19:03:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3374</guid>
		<description><![CDATA[We have seen a steady rise in online shopping with consumers over the last decade.   Many people choose to purchase their goods and services online versus waiting in lines and rummaging through department stores.   Over ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/04/11/can-you-protect-yourself-from-online-hackers/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>6 Potential Red Flags That Can Get You Audited?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/09/6-potential-red-flags-that-can-get-you-audited/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 20:22:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3367</guid>
		<description><![CDATA[You never know ultimately what could cause you and audit once this tax season is over.   Here are 6 potential red flags to avoid that could put you in hot water.

You make stupid mistakes- Information ...]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>5 Ways To Cut Down Your Cell Phone Bill</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/03/5-ways-to-cut-down-your-cell-phone-bill/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/03/5-ways-to-cut-down-your-cell-phone-bill/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 12:31:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[5 Ways To Cut Down Your Cell Phone Bill and Save Money]]></category>
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		<category><![CDATA[review your family cell phone bill each year]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3360</guid>
		<description><![CDATA[Many of the clients I sit down with tell me how their basic bills continue to rise year over year.   Two of the main monthly costs that keep going up and up for many families ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Home Office Deduction: Is This Really An IRS Red Flag?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/04/02/the-home-office-deduction-is-this-really-an-irs-red-flag/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/04/02/the-home-office-deduction-is-this-really-an-irs-red-flag/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 13:40:53 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[a business deduction for your home]]></category>
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		<category><![CDATA[Is claiming a home office deduction really an IRS red flag?]]></category>
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		<category><![CDATA[The Home Office Deduction]]></category>
		<category><![CDATA[The Home Office Deduction: Is This Really An IRS Red Flag?]]></category>
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		<category><![CDATA[your total business expenses]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3355</guid>
		<description><![CDATA[During this time of tax season, we often find last minute filers asking questions about what deductions they can or cannot take based upon whether they think they’ll owe money or get a tax refund.   ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Autopay Bills: A Good Idea Or Not?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/30/autopay-bills-a-good-idea-or-not/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/30/autopay-bills-a-good-idea-or-not/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 15:39:37 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[take the time to reconcile both the credits and debits to a checking account]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the ‘out of sight out of mind’ philosophy]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3350</guid>
		<description><![CDATA[They say with investing that out of sight out of mind is a great idea or you’ll end up spending your money.  When it comes to paying monthly bills, it seems that the ‘out of ...]]></description>
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		<item>
		<title>How Can You Improve Your Fuel Economy?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/28/how-can-you-improve-your-fuel-economy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/28/how-can-you-improve-your-fuel-economy/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 13:37:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<category><![CDATA[your smart money moves gas saving tips]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3343</guid>
		<description><![CDATA[You know gas prices are rising out of control when you are debating which button to press before you fill your tank up at the pump.   With gas prices ballooning to more than four dollars ...]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>The Solo 401(k)- For A Decade A Good Option For The Self-Employed</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/26/the-solo-401k-for-a-decade-a-good-option-for-the-self-employed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/26/the-solo-401k-for-a-decade-a-good-option-for-the-self-employed/#comments</comments>
		<pubDate>Mon, 26 Mar 2012 14:28:41 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[a SIMPLE IRA or a SEP-IRA]]></category>
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		<category><![CDATA[Egtrra]]></category>
		<category><![CDATA[Employee Contributions]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
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		<category><![CDATA[the solo 401(K)]]></category>
		<category><![CDATA[Tiny Paragraph]]></category>
		<category><![CDATA[which kind of retirement plan for self employed]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3333</guid>
		<description><![CDATA[In the Gen X and Gen Y arena, I am seeing more and more people quit the corporate America lifestyle and venture into becoming their own business owner.  This shape of a business owner can ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Things I Bought But Never Used</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/23/five-things-i-bought-but-never-used/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/23/five-things-i-bought-but-never-used/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 19:13:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Addiction]]></category>
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		<category><![CDATA[Commercials]]></category>
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		<category><![CDATA[Electric Razor]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3326</guid>
		<description><![CDATA[Are you one of those people that like to buy stuff all the time?    The kind of person who has a mild addiction to the internet like you were opening presents on Christmas day?   As ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Ten Common Mistakes Tax Filers Make</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/20/ten-common-mistakes-tax-filers-make/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/20/ten-common-mistakes-tax-filers-make/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 12:59:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3321</guid>
		<description><![CDATA[Don’t you hate that thought of getting your taxes done only to realize later that you make a common mistake that could cost you time or money? The tax code seems to be getting more ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Is It Time To Rent A Friend?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/19/is-it-time-to-rent-a-friend/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/19/is-it-time-to-rent-a-friend/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 17:13:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the buying and selling of goods]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3313</guid>
		<description><![CDATA[Sometimes I wonder whether the internet is a good thing or a bad thing.   When it comes to making smart money moves, the internet has opened up a realm of possibilities making it easy for ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/03/19/is-it-time-to-rent-a-friend/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Your Homeowner’s Insurance Going To Cost You More Than A Few Shingles?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/16/the-rising-costs-of-homeowners-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/16/the-rising-costs-of-homeowners-insurance/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 15:59:37 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Citizens Property Insurance Corp. and North Carolina Farm Bureau are raising rates]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3307</guid>
		<description><![CDATA[If you live in the state of Georgia, you may notice a big jump in your Homeowners Insurance here in 2012.   Often, people don’t really look closely at their homeowner’s policies because their mortgage payments ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>It’s March Madness &#8211; Are Money Decisions Like Picking An NCAA Basketball Winner?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/14/its-march-madness-are-money-decisions-like-picking-an-ncaa-basketball-winner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/14/its-march-madness-are-money-decisions-like-picking-an-ncaa-basketball-winner/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 17:10:40 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3300</guid>
		<description><![CDATA[With the first big day of March Madness tomorrow, we all have our brackets filled out and ready to go with our Final Four picks.   This year is sure to be filled with some Cinderella ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Frugal Ideas To ‘Paint’ Your Wallet Green On St. Patty’s Day</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/12/5-frugal-ideas-to-paint-your-wallet-green-on-st-pattys-day/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/12/5-frugal-ideas-to-paint-your-wallet-green-on-st-pattys-day/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 15:44:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3293</guid>
		<description><![CDATA[St. Patrick’s Day is a holiday that is often filled with green beer, green bagels, and spending a little bit o’ green on having a good time.   The fact that it falls on a Saturday ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Can You Barter For Legal Services?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/09/can-you-barter-for-legal-services/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/09/can-you-barter-for-legal-services/#comments</comments>
		<pubDate>Fri, 09 Mar 2012 14:33:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[barter for legal services]]></category>
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		<category><![CDATA[consumers love saving money.]]></category>
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		<category><![CDATA[flat fee pricing and bartering for legal services]]></category>
		<category><![CDATA[help people who need legal work get it for a fair price]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3285</guid>
		<description><![CDATA[I wrote a few weeks ago in Your Smart Money Moves about how I found out through my research that the only people who can own or revenue share with a law firm are the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Just One Pen Pal Letter . . . Please</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/08/just-one-pen-pal-letter-please/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/08/just-one-pen-pal-letter-please/#comments</comments>
		<pubDate>Thu, 08 Mar 2012 13:54:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3280</guid>
		<description><![CDATA[Bills.   Nobody likes getting them in the mail and it’s even less fun for people to have to sit down over the weekend and pay them.    It’s part of the reason why on line bill ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What If You Feel Like You’ve Lost It All</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/05/what-if-you-feel-like-youve-lost-it-all/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/05/what-if-you-feel-like-youve-lost-it-all/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 18:12:06 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The great Milton Hershey story]]></category>
		<category><![CDATA[tip to get yourself back on track to achieve financial success]]></category>
		<category><![CDATA[Unemployment]]></category>
		<category><![CDATA[what happens when it feels like you are so far behind or lost your money]]></category>
		<category><![CDATA[What If You Feel Like You’ve Lost It All Financially]]></category>
		<category><![CDATA[what to Bank your cash in]]></category>
		<category><![CDATA[you overleveraged yourself in residential or commercial real estate]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3275</guid>
		<description><![CDATA[Since the 2008 real estate and stock market crash, some people have been able to get back on their feet and continue to thrive in their careers and businesses.  While others have dealt with devastating ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Key Differences Between Index Funds &amp; Traditional Mutual Funds</title>
		<link>http://www.yoursmartmoneymoves.com/2012/03/02/the-key-differences-between-index-funds-traditional-mutual-funds/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/03/02/the-key-differences-between-index-funds-traditional-mutual-funds/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 15:54:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Advantages of Actively Managed Mutual Funds]]></category>
		<category><![CDATA[Advantages of Index Funds]]></category>
		<category><![CDATA[Amp]]></category>
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		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[Index Fund]]></category>
		<category><![CDATA[Index Funds]]></category>
		<category><![CDATA[index funds and actively managed mutual funds]]></category>
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		<category><![CDATA[leading financial experts for people in their 20’s 30’s and 40’s in the country]]></category>
		<category><![CDATA[manage their own portfolios]]></category>
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		<category><![CDATA[Objective]]></category>
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		<category><![CDATA[The Key Differences Between Index Funds & Traditional Mutual Funds]]></category>
		<category><![CDATA[Traditional Mutual Funds]]></category>
		<category><![CDATA[Which Fund Is Best for You?]]></category>
		<category><![CDATA[your own financial goals]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3267</guid>
		<description><![CDATA[Kalen Smith writes about investing, retirement, and economic policy on Money Crashers Personal Finance.
For the sake of convenience, many investors do not look to manage their own portfolios or choose their own investments. Investors who ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Different Types of Credit Scores: Which Are You Getting?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/29/different-types-of-credit-scores-which-are-you-getting/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/29/different-types-of-credit-scores-which-are-you-getting/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 15:59:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[aspect of creditworthiness]]></category>
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		<category><![CDATA[Case Basis]]></category>
		<category><![CDATA[Couple Decades]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Decisions]]></category>
		<category><![CDATA[Credit Ratio]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Credit Scores]]></category>
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		<category><![CDATA[Different Types of Credit Scores]]></category>
		<category><![CDATA[Do you get FICO when checking your score?]]></category>
		<category><![CDATA[Equifax.com]]></category>
		<category><![CDATA[Fair Isaac And Company]]></category>
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		<category><![CDATA[Fico Score]]></category>
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		<category><![CDATA[Mike Dolen]]></category>
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		<category><![CDATA[myFICO.com]]></category>
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		<category><![CDATA[your credit score matters]]></category>
		<category><![CDATA[your FICO score]]></category>
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		<category><![CDATA[“universal” credit score model]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3262</guid>
		<description><![CDATA[As someone who has owned/operated a credit message board for 4 years running, I get quite a bit of feedback from consumers. Based on that experience, if I had to pinpoint the #1 most confusing ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Top Five Places In Atlanta To Get A Burger</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/24/top-five-places-in-atlanta-to-get-a-burger/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/24/top-five-places-in-atlanta-to-get-a-burger/#comments</comments>
		<pubDate>Fri, 24 Feb 2012 20:25:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3250</guid>
		<description><![CDATA[You never pass up a good burger with a side of fries.    Here are five of my top places to grab a burger in Atlanta.
1.)  Flip Burger Boutique -   The first time I ate ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Are Inherited “Stretch” IRA’s Getting Chopped?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/22/are-inherited-stretch-iras-getting-chopped/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/22/are-inherited-stretch-iras-getting-chopped/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 19:25:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[accelerating income tax due on assets coming out of retirement accounts]]></category>
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		<category><![CDATA[Senate proposal would place a five-year limit on retirement account liquidation]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3244</guid>
		<description><![CDATA[Here Is One Way For The U.S. Government To Create New Revenue
Clark Griswold had this horrific look on his face when he opened up his Christmas bonus check in the movie Christmas Vacation.   His entire ...]]></description>
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		</item>
		<item>
		<title>Google For Coupons?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/20/google-for-coupons/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/20/google-for-coupons/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 14:37:58 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[couponing.com the art of couponing - the benefits of couponing]]></category>
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		<category><![CDATA[Pizza Coupons]]></category>
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		<category><![CDATA[your smart moves money tip]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3236</guid>
		<description><![CDATA[With the proliferation of so many coupon sites, it can truly get dizzying trying to figure out how to manage the never ending stream of deals that hit your e-mail every day.   Some of the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>26 Billion More Down The Drain</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/15/26-billion-more-down-the-drain/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/15/26-billion-more-down-the-drain/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 15:24:49 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[26 Billion Dollar Foreclosure Bailout from the Government]]></category>
		<category><![CDATA[allow people to refinance their mortgages]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Bailout]]></category>
		<category><![CDATA[Biggest Banks]]></category>
		<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Dollar Deal]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[flawed and fraudulent foreclosure practices]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Generation X]]></category>
		<category><![CDATA[Government Authorities]]></category>
		<category><![CDATA[Greedy Banks]]></category>
		<category><![CDATA[helping millions of homeowners get their mortgages lowered]]></category>
		<category><![CDATA[Last Thursday]]></category>
		<category><![CDATA[Long Haul]]></category>
		<category><![CDATA[Math]]></category>
		<category><![CDATA[Mortgage Payment]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[Mortgages]]></category>
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		<category><![CDATA[Refinance]]></category>
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		<category><![CDATA[Rental Property]]></category>
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		<category><![CDATA[Sounds]]></category>
		<category><![CDATA[stop making payments and let the bank take back a property]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3224</guid>
		<description><![CDATA[It’s official. After months of challenging negotiations, government authorities announced last Thursday that they reached a $26 billion settlement with five of the nation&#8217;s biggest banks over their flawed and fraudulent foreclosure practices. The goal ...]]></description>
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		<item>
		<title>Is Your Relationship Worth $168?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/13/is-your-relationship-worth-168/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/13/is-your-relationship-worth-168/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 15:34:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3216</guid>
		<description><![CDATA[Valentine’s Day is here and The National Retail Federation (NRF) says Americans will spend nearly $18 billion on Valentine&#8217;s Day this year.  The average guy expected to shell out about $168, according to a survey ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Top 10 Unusual Scholarships</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/10/top-10-unusual-scholarships/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/10/top-10-unusual-scholarships/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 14:48:34 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3208</guid>
		<description><![CDATA[It’s that time of year where parents and students alike are searching for the millions of dollars of potential scholarships, grants, and financial aid that can be found to hedge against the cost of the ...]]></description>
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		<title>The Government Likes Annuities Now?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/08/the-government-likes-annuities-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/08/the-government-likes-annuities-now/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 19:43:31 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3202</guid>
		<description><![CDATA[As all of us know, the idea of working for one company for 20 or 30 years is a dream most of won’t ever realize in our lifetimes.   Historically, if you worked for one company ...]]></description>
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		<title>Would A Politician Admit To Insider Trading?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/06/would-a-politician-admit-to-insider-trading/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/06/would-a-politician-admit-to-insider-trading/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 14:26:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3193</guid>
		<description><![CDATA[C’mon, we all know the answer to this question.   It does seem kind of mysterious that all of sudden this past week, the Senate finally passed a bill by an overwhelming 96-3 vote to ban ...]]></description>
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		<title>My College Is Worse Than The Kids Knocking On The Door</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/03/my-college-is-worse-than-the-kids-knocking-on-the-door/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 14:29:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3185</guid>
		<description><![CDATA[I used to fear the Girl Scouts during cookie season either knocking on my door or approaching me outside of the local supermarket targeting my goodwill to buy some of those delicious thin mint cookies.   ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>5 Tax Mistakes Business Owners Make</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:14:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179</guid>
		<description><![CDATA[Part of putting together an effective tax management strategy is gaining an understanding of what you can and cannot deduct from your tax return.   I see business owners that make mistakes every single day.  Every ...]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Your Taxes Will Go Up If Earn Less Than $250,000</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 22:29:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169</guid>
		<description><![CDATA[I watched the second half of the State of the Union last week.   Needless to say that after listening to the program and then all of the commentary after, it confirmed in my head how ...]]></description>
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		<slash:comments>5</slash:comments>
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		<title>How Business Credit Cards Affect Your Personal Credit</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 15:25:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Social Security Number]]></category>
		<category><![CDATA[Staples Office]]></category>
		<category><![CDATA[Store Cards]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[your personal credit history]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3084</guid>
		<description><![CDATA[Forming a new LLC, S-Corp, or C-Corp can be intimidating. Not only will you have to navigate the fees, taxes, and filing requirements, but also learn how to build credit history from scratch for this ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Words We Don’t Want To Hear: “You May Need To Save More”</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:53:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[10 Years]]></category>
		<category><![CDATA[Asset Mix]]></category>
		<category><![CDATA[Assets]]></category>
		<category><![CDATA[Big Mortgage]]></category>
		<category><![CDATA[Choices]]></category>
		<category><![CDATA[Enough Money]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Generations]]></category>
		<category><![CDATA[Grandparents]]></category>
		<category><![CDATA[How to balance your budget]]></category>
		<category><![CDATA[How to Get a better rate of return]]></category>
		<category><![CDATA[How to retire before 65]]></category>
		<category><![CDATA[How to SAVE more Money]]></category>
		<category><![CDATA[making sacrifices today to put away dollars for your future goals]]></category>
		<category><![CDATA[Next Five Years]]></category>
		<category><![CDATA[Notion]]></category>
		<category><![CDATA[Optional Number]]></category>
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		<category><![CDATA[Parents]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Rate Of Return]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Retirement Income]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Retirement planning for Gen X and Y]]></category>
		<category><![CDATA[retirement planning is going to change]]></category>
		<category><![CDATA[set a goal of wanting $8000 per month of retirement income]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The best retirement plan]]></category>
		<category><![CDATA[Time Frame]]></category>
		<category><![CDATA[Work Option]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[You May Need To Save More Money]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3077</guid>
		<description><![CDATA[I really think over the next five years the whole notion of retirement planning is going to change.   The X and Y generation don’t think about retirement the way their parents or grandparents did.   Since ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>It’s Saturday Night And There Is No Recession</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/19/its-saturday-night-and-there-is-no-recession/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/19/its-saturday-night-and-there-is-no-recession/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 18:13:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[30 Minutes]]></category>
		<category><![CDATA[Canton Street]]></category>
		<category><![CDATA[Economic Times]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Forty Minutes]]></category>
		<category><![CDATA[Goodies]]></category>
		<category><![CDATA[having fun today while being fiscally responsible for the future]]></category>
		<category><![CDATA[Hilt]]></category>
		<category><![CDATA[It’s Saturday Night And There Is No Recession]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[planning your finances]]></category>
		<category><![CDATA[Pubs]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Restaurants]]></category>
		<category><![CDATA[Roswell]]></category>
		<category><![CDATA[Saturday Night]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[so many restaurants to eat at in Atlanta]]></category>
		<category><![CDATA[Strip Mall]]></category>
		<category><![CDATA[Suburb Of Atlanta]]></category>
		<category><![CDATA[Sushi Bar]]></category>
		<category><![CDATA[Sushi Place]]></category>
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		<category><![CDATA[Time One]]></category>
		<category><![CDATA[Twenty Minutes]]></category>
		<category><![CDATA[Would Make Sense]]></category>
		<category><![CDATA[your smart money moves]]></category>
		<category><![CDATA[Zest]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3071</guid>
		<description><![CDATA[My wife and I decided we would go out for dinner this past Saturday night.   She’s always telling me that you’ve got to make a reservation on Saturday night because things get busy and we’ll ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 16:28:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[@SuzeOrmanShow]]></category>
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		<category><![CDATA[Bloggers]]></category>
		<category><![CDATA[Commissions]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Countless Numbers]]></category>
		<category><![CDATA[dealing with personal finance]]></category>
		<category><![CDATA[Designations]]></category>
		<category><![CDATA[Everyday Life]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
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		<category><![CDATA[free identity theft protection]]></category>
		<category><![CDATA[Hand Experience]]></category>
		<category><![CDATA[Is Suze Orman's Debit Card A SCAM?]]></category>
		<category><![CDATA[Launch]]></category>
		<category><![CDATA[Many Different Types]]></category>
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		<category><![CDATA[News Flash]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Pre Paid Debit Cards]]></category>
		<category><![CDATA[Prepaid Debit Card]]></category>
		<category><![CDATA[Prepaid Debit Cards]]></category>
		<category><![CDATA[prepaid debit cards are ladened with fees]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
		<category><![CDATA[Retirement Plan]]></category>
		<category><![CDATA[Securities License]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Suze Orman]]></category>
		<category><![CDATA[Suze Orman is not licensed financial advisor]]></category>
		<category><![CDATA[Suze Orman's Prepaid Debit card isn’t good for consumers]]></category>
		<category><![CDATA[Suze Orman’s New Prepaid Debit Card]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Tens Of Thousands]]></category>
		<category><![CDATA[The Approved Card]]></category>
		<category><![CDATA[the credit card]]></category>
		<category><![CDATA[the debit card]]></category>
		<category><![CDATA[The Suze Orman Show]]></category>
		<category><![CDATA[Twitter]]></category>
		<category><![CDATA[Wal-Mart Money and MasterCard Debit Cards]]></category>
		<category><![CDATA[ways to make good decisions for your financial future]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051</guid>
		<description><![CDATA[It’s official.   Suze Orman is now in the game of selling financial products to consumers.    This past week she launched her new card called “The Approved Card” which is supposed to be a low cost ...]]></description>
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		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Your Kid Has An I-Phone. . Who Pays The Data Plan?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 17:03:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[a family share plan]]></category>
		<category><![CDATA[another leaf on the money tree in your household]]></category>
		<category><![CDATA[Apple Products]]></category>
		<category><![CDATA[Cost of a Data plan for Ipad]]></category>
		<category><![CDATA[Cost of a Data plan for IPhone]]></category>
		<category><![CDATA[Dollars And Cents]]></category>
		<category><![CDATA[Elementary Students]]></category>
		<category><![CDATA[elementary students stocked up on I-Pads]]></category>
		<category><![CDATA[Family Members]]></category>
		<category><![CDATA[Family Share]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Gift Cards]]></category>
		<category><![CDATA[Glut]]></category>
		<category><![CDATA[Helm]]></category>
		<category><![CDATA[High School Students]]></category>
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		<category><![CDATA[Household]]></category>
		<category><![CDATA[How to teach children about money]]></category>
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		<category><![CDATA[Money Tree]]></category>
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		<category><![CDATA[Parents]]></category>
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		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Santa Clause]]></category>
		<category><![CDATA[Share Plan]]></category>
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		<category><![CDATA[Steve Jobs]]></category>
		<category><![CDATA[Teaching kids about finance]]></category>
		<category><![CDATA[Teaching your children the value of money]]></category>
		<category><![CDATA[Technology Gadgets]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Who Pays The Data Plan]]></category>
		<category><![CDATA[who will bear the cost for the data plan]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3046</guid>
		<description><![CDATA[I’m pretty sure Apple can’t be hurting even though Steve Jobs is not at the helm anymore.   My kid’s went back to school last week and mentioned to meet the glut of Apple products that ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Much Should I Leave For A Tip?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 16:40:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[2012 Peach Drop]]></category>
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		<category><![CDATA[Atlanta Hawks Basketball]]></category>
		<category><![CDATA[Basketball Game]]></category>
		<category><![CDATA[definition of tip as a small present of money given directly to someone for performing a service or task.]]></category>
		<category><![CDATA[Dictionary]]></category>
		<category><![CDATA[Exceptional Service]]></category>
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		<category><![CDATA[Extra Money]]></category>
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		<category><![CDATA[Fun Things]]></category>
		<category><![CDATA[Gratuity]]></category>
		<category><![CDATA[gratuity added]]></category>
		<category><![CDATA[Gripe]]></category>
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		<category><![CDATA[How Much Should I Leave For A Tip?]]></category>
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		<category><![CDATA[Kile Lewis]]></category>
		<category><![CDATA[Local Restaurants]]></category>
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		<category><![CDATA[pay 18% gratuity]]></category>
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		<category><![CDATA[Waiters]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3040</guid>
		<description><![CDATA[Even though I have workaholic issues, I did manage to do a few fun things with my family over the holidays.   We caught some movies, saw an Atlanta Hawks basketball game, went to the Peach ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should You Sell Your Business Now?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 15:32:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Atlanta Georgia]]></category>
		<category><![CDATA[Borrowers]]></category>
		<category><![CDATA[Business Borrowing rates are cheap]]></category>
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		<category><![CDATA[Business Rates]]></category>
		<category><![CDATA[Business Sale]]></category>
		<category><![CDATA[businesses with more the 50 employees may be required to provide health care coverage]]></category>
		<category><![CDATA[Capital Gain]]></category>
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		<category><![CDATA[Cards]]></category>
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		<category><![CDATA[costs continue to rise for providing health care coverage for business owners]]></category>
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		<category><![CDATA[qualified business broker]]></category>
		<category><![CDATA[Sell Business]]></category>
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		<category><![CDATA[Selling Business]]></category>
		<category><![CDATA[Selling Your Business]]></category>
		<category><![CDATA[Should I Sell My Business Now?]]></category>
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		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Tax Rates]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the 2012 tax code for businesses]]></category>
		<category><![CDATA[Uncertainty of health coverage as a busainess owner]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3033</guid>
		<description><![CDATA[If you have owned a business for a long period of time and were considering selling, 2012 may be year for you find a buyer to take over your shop.   The Presidential election and many ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Are Companies Going To Learn To Just Shoot Straight?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/06/when-are-companies-going-to-learn-to-just-shoot-straight/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/06/when-are-companies-going-to-learn-to-just-shoot-straight/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 17:23:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[$5 per month fee to use a debit card]]></category>
		<category><![CDATA[Bank of America]]></category>
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		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[Convenience Fee]]></category>
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		<category><![CDATA[paying a fair price for a good product or service]]></category>
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		<category><![CDATA[Salesperson]]></category>
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		<category><![CDATA[Verizon]]></category>
		<category><![CDATA[Verizon $2 convenience fee]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3026</guid>
		<description><![CDATA[I’m excited that 2012 is here and consumers are starting to realize that they can win the money battle when they know something is just flat out wrong with a new offering from their provider.    ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I Refinance My Mortgage?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:34:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[financial advice and Smart Money Moves to the X and Y Generation]]></category>
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		<category><![CDATA[free consultation with the leading financial experts]]></category>
		<category><![CDATA[Home Mortgage]]></category>
		<category><![CDATA[how much the refinance is going to cost you]]></category>
		<category><![CDATA[How to not have a mortgage]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3022</guid>
		<description><![CDATA[These past couple of years many clients have asked about whether or not they should refinance their mortgage.    Along with people who have never refinanced, those that did even 18 months ago may be licking ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FIVE Great Financial New Year&#8217;s Resolutions</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/02/five-great-financial-new-years-resolutions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/02/five-great-financial-new-years-resolutions/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:58:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[budget 2012 just like a real company would]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3017</guid>
		<description><![CDATA[1). Start A Holiday Savings Account!  Now that the official New Year has begun, set up an automatic savings plan from your pay stub or an automatic transfer from your checking account into a separate ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>THE HARD TRUTH ABOUT INCOME TAXES</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 17:11:28 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[How to pay less taxes in 2012]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3057</guid>
		<description><![CDATA[People think the whole income tax debate is political.  With the debt we’ve racked up as a country, it’s now become a financial issue.   Watch the hard truth on why you better start paying attention ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What Tax Deductions Can I Take For Using My Car?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/30/what-tax-deductions-can-i-take-for-using-my-car/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/30/what-tax-deductions-can-i-take-for-using-my-car/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 15:50:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Can I deduct mileage for your normal commute to and from work every day]]></category>
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		<category><![CDATA[what is the 2011 standard mileage rate]]></category>
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		<category><![CDATA[your year end tax deductions]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3009</guid>
		<description><![CDATA[As the tax year ends and you scramble to pull together your year end tax deductions, people often ask us whether they can get  a deduction for using their automobile.  It’s important to understand these ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>What will you do with 2% more in your paycheck?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 17:03:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3000</guid>
		<description><![CDATA[If Santa Clause didn’t come down your chimney with anything good this year, Congress has decided to give you a stocking stuffer for the New Year.   With nearly 160 million workers that will benefit from ...]]></description>
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		<item>
		<title>Top 5 Things To Do With Your Gift Cards</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 14:45:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2992</guid>
		<description><![CDATA[Another holiday season has passed and isn’t it ironic that many us walked away with a little loot and lot of gift cards. I guess if you don’t know what to get anymore, you’d rather ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be a Tax Pro!  Part II:  5 MORE ways to cut your 2011 personal income taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/21/be-a-tax-pro-part-ii-5-more-ways-to-cut-your-2011-personal-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/21/be-a-tax-pro-part-ii-5-more-ways-to-cut-your-2011-personal-income-taxes/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 16:47:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[#1 CPA in giving tax and business advice]]></category>
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		<category><![CDATA[5 MORE ways to cut your 2011 personal income taxes]]></category>
		<category><![CDATA[accelerate your tax deductible expenses]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2984</guid>
		<description><![CDATA[Here are 5 MORE ways to cut your 2011 personal income taxes like a tax pro:
  
 1. Homeowners – accelerate your tax deductible expenses.  Pay your January 2012 mortgage payment and property taxes ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Be a Tax Pro! 5 ways to cut your 2011 personal income taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 18:26:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2976</guid>
		<description><![CDATA[Here are 5 ways to cut your 2011 personal income taxes like a tax pro:
1. Review your 2011 securities sales for gains and losses – Review your capital gains and losses for the year. If ...]]></description>
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		</item>
		<item>
		<title>Charitable deductions &#8211; Are these meant for donations inside our country or outside of our country?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 14:52:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Charitable deductions- Are these meant for donations inside our country or outside of our country?]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2970</guid>
		<description><![CDATA[I happened to be watching 60 minutes the other evening with another interview with President Obama.   After the interview, they did a short piece on Howard Buffett who is slated to take over as Chairman ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Top 10 Movies About Making Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 14:46:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2959</guid>
		<description><![CDATA[It&#8217;s holiday time, so you might get a chance to relax and get caught up by watching a movie or two over the holidays.    Here is my list of the top 10 movies about money ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Black Friday, Cyber Monday, and Hangover January</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 14:34:41 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Cyber Monday]]></category>
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		<category><![CDATA[effects of people spending money that they didn’t have]]></category>
		<category><![CDATA[Federal Government]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Financial Decisions]]></category>
		<category><![CDATA[financial sunburn]]></category>
		<category><![CDATA[Hangover]]></category>
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		<category><![CDATA[piling up debt like the Government does]]></category>
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		<category><![CDATA[the heaviest online sales spending day in history]]></category>
		<category><![CDATA[the lingering effects of the debt]]></category>
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		<category><![CDATA[Zeros]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2953</guid>
		<description><![CDATA[It’s official.    Everyone in America has decided we should be just like the Federal Government.    Get up and keeping adding more zeros to your debt because it just doesn’t matter.   Remember that movie many years ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student Loans: Use Your Cash Or Take The Loan?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 16:26:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[and 40’s]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2948</guid>
		<description><![CDATA[At Your Smart Money Moves, we get questions that we get from clients, through the website, or others that I see on the internet.   Here is a great one I recently came across around student ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Simple Ways To Live The Frugal Life</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 16:18:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[and many American citizens hitting hard times]]></category>
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		<category><![CDATA[this could help you transition into living a more frugal life]]></category>
		<category><![CDATA[Three Ways]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2943</guid>
		<description><![CDATA[These past few years we have seen a high level of unemployment, countless numbers of foreclosures, and many American citizens hitting hard times.  While many people are learning how to make ends meet, there can ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When Your 401(k) Makes A Change On You</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 14:06:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[401 K Plan]]></category>
		<category><![CDATA[a free review of your 401(k) plan]]></category>
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		<category><![CDATA[analyze your mutual fund selections]]></category>
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		<category><![CDATA[Be aware of a fund manager change in your 401K]]></category>
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		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Process Mapping]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2938</guid>
		<description><![CDATA[In the past year, many of our clients have seen changes made to their 401(k) plan.   These changes may happen from two separate businesses merging, your employer trying to save costs, or simply a change ...]]></description>
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		<item>
		<title>5 Tips To A Successful Garage Sale</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 16:48:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Year End]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2934</guid>
		<description><![CDATA[If you need some extra cash, one thing to consider during the holiday season (don’t wait til’ it warms up) is to have a year end garage sale.   Garage sales can be really profitable or ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; Marriage And Medical Insurance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/28/personal-finance-101-generation-x-series-marriage-and-medical-insurance/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 14:15:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[THE DEDUCTIBLE AND COINSURANCE]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2929</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Not Even Thanksgiving Is Sacred?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/25/not-even-thanksgiving-is-sacred/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/25/not-even-thanksgiving-is-sacred/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 13:14:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2916</guid>
		<description><![CDATA[How bad are things going in the economy today? Well, nobody knows for certain amidst fears in the United States and internationally around the stability of the dollar in many countries. Thanksgiving is supposed to ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 13:17:33 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2924</guid>
		<description><![CDATA[One of the more recent trends in the practice of CPAs structuring entities is the idea of forming a limited liability company (LLC) under state law and then making an election under Federal tax rules ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>5 year-end tax strategies for your small business</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 16:29:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2908</guid>
		<description><![CDATA[It’s that time of year to start thinking about your 2011 taxes and what moves you might be able to make to save in taxes!
Here are 5 ways to cut your 2011 business taxes:
1. Equipment ...]]></description>
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		<title>5 Ways To Save Money On Thanksgiving Dinner</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 14:07:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2904</guid>
		<description><![CDATA[According to a report from the American Farm Bureau Federation, you’ll spend 13% more on Thanksgiving groceries than you did in 2010. The report also mentions how the average cost for a Thanksgiving dinner to ...]]></description>
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		<title>A Short Sale Can Be the Answer You Are Searching For</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/16/a-short-sale-can-be-the-answer-you-are-searching-for/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/16/a-short-sale-can-be-the-answer-you-are-searching-for/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 15:50:00 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Rhonda Duffy is an Elite Certified Short Sale Specialist and is the ONLY Elite CDRS designated real estate broker in Georgia]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2896</guid>
		<description><![CDATA[If you choose to do nothing when effort is required, expect gravity to pull you under.  ~ Rhonda Duffy
When you have a predicament that has come upon you either by your choice or not, you ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; What Kind Of Term Insurance To Buy?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 19:18:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2888</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Don’t Get Tricked On Black Friday</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:30:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2879</guid>
		<description><![CDATA[After the turkey, the football, and the one awkward conversation with your cousin that happened to get stuck at the card table with you at the end of the big Thanksgiving table comes the second ...]]></description>
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		<title>Are Layaway Plans A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/09/are-layaway-plans-a-good-idea/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/09/are-layaway-plans-a-good-idea/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 12:25:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2858</guid>
		<description><![CDATA[Over the past 15 years, we have seen countless numbers of people put themselves in real financial trouble by using credit cards to charge items that they really couldn’t afford at the time they bought ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; Three Simple Steps To Managing Your 401K</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 13:50:31 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2816</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979. Pretty much those of you in your early 30’s to the mid 40’s. However, having given personal financial advice to thousands ...]]></description>
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		<title>The New Rule: Field Goal Bill Paying</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/04/the-new-rule-field-goal-bill-paying/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/04/the-new-rule-field-goal-bill-paying/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 13:51:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Gen X & Y Financial Advice]]></category>
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		<category><![CDATA[review your bills at least once a year]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2809</guid>
		<description><![CDATA[Nobody likes paying bills.   Not longer than a few years ago, most people met the end of the month with the dreaded feeling of writing out checks and licking the back of envelopes—UGH!.   Over the ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 19:33:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Happy Halloween! How about a Buy one get one FREE from the folks at Caribou Coffee today!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/31/happy-halloween-how-about-a-buy-one-get-one-free-from-the-folks-at-caribou-coffee-today/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/31/happy-halloween-how-about-a-buy-one-get-one-free-from-the-folks-at-caribou-coffee-today/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 14:07:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2792</guid>
		<description><![CDATA[Caribou Coffee Posted this BOGO Coupon on their Facebook page! All you have to do is Print it out and bring it with you to your local Caribou Coffee location on Halloween to get this ...]]></description>
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		<title>Forming the Side-Business: Tax Benefits &#8211; LLC, S-Corp, or C-Corp?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/28/forming-the-side-business-tax-benefits-llc-s-corp-or-c-corp/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 14:24:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the leading personal financial advice experts for Generation X and Y in the country]]></category>
		<category><![CDATA[very little documentation required to comply with law and to receive the liability protection and tax benefits enjoyed by the LLC]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2783</guid>
		<description><![CDATA[It is always recommended that you get liability protection if you are engaging in trade or business for the purposes of making money.  And the tax law is surprisingly generous when it comes to classifying ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Pay As You Drive Car Insurance: A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 14:43:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2777</guid>
		<description><![CDATA[Every six months you get a bill in the mail from your auto insurance company.   After your eyes glaze over 12 stapled pages of different line items of coverage and boiler plate language, you get ...]]></description>
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		<title>It’s Un-American</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 13:42:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2770</guid>
		<description><![CDATA[Since I write mostly on financial advice, investment, tax, and insurance products, from time to time I like to just have a chance to rant.   Really, just to share some observations about life or what ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>How To Lower Your 2011 Income Taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:38:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[charitable miles still can be written off at a rate of .14 cents here in 2011]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2760</guid>
		<description><![CDATA[The color of the trees  are changing during the beautiful fall season, and that also means it’s time to begin thinking about strategies for minimizing your 2011 income taxes before the year has come to ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; A Vacation Or College Education</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 16:24:42 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2752</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Use Your 401(K) For Mortgage Payments?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 15:15:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Senator Johnny Isakson and Representative Tom Graves introduced the HOME Act]]></category>
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		<category><![CDATA[withdraw retirement funds from the 401(k) to make mortgage payments tax free]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2743</guid>
		<description><![CDATA[If it wasn’t already clear that most politicians don’t have the foggiest idea about how to set up decisions that are financially responsible, the state of Georgia recently had an act proposed that shows how ...]]></description>
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		<title>5 Reasons You Aren’t Rich . . . Yet</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 14:11:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[five things that may be in getting in your way from achieving financial independence]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2731</guid>
		<description><![CDATA[Everybody at some point of their life has that dream of having enough money to do whatever they want whenever they want irrespective of cost.   Well, even if you do think about cost, that idea ...]]></description>
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		<title>Personal Finance 101- Generation X Series- You Won’t Make Hay Forever</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/#comments</comments>
		<pubDate>Mon, 10 Oct 2011 13:11:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2723</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Thank You Steve Jobs&#8230;</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 12:55:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Thanks Steve Jobs for being an inspiration]]></category>
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		<category><![CDATA[you should spend every minute chasing your dreams]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2711</guid>
		<description><![CDATA[Like many in the entrepreneurial community, I have always admired the innovative cutting edge approach Steve Jobs took with building the Apple brand.   It is never easy taking the path less traveled as the journey ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; 5 Big Mistakes Gen X’ers Make With Their Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 15:37:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2704</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>What financial moves to make if you are recently widowed?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 16:24:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2700</guid>
		<description><![CDATA[When my father passed away many years ago, I remember how traumatic life can be for the person left picking up the pieces.   My mom was a schoolteacher, and she didn’t spend very much time ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>oXYGen Financial Hires Financial Advice Expert For Dentists To Lead Atmos Dental Advisors</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/28/oxygen-financial-hires-financial-advice-expert-for-dentists-to-lead-atmos-dental-advisors/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/28/oxygen-financial-hires-financial-advice-expert-for-dentists-to-lead-atmos-dental-advisors/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 14:56:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[At The Workplace]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2692</guid>
		<description><![CDATA[
(ATLANTA,GA) –September 23rd, 2011- Atlanta based oXYGen Financial, a growing leader in financial services for Generation X and Y individuals and business owners, has hired Chris Sands to pioneer a new business model focused on ...]]></description>
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		</item>
		<item>
		<title>Is It Time To Trigger Your Stock Options?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:38:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2683</guid>
		<description><![CDATA[I worked for a Fortune 100 company for over 15 years.   When you rise through the ranks of management at a large company, they generally stop talking to you about salary and instead use the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Is An Equity Indexed Annuity A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/23/is-an-equity-indexed-annuity-a-good-idea/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/23/is-an-equity-indexed-annuity-a-good-idea/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 12:34:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Do EIAs and other tax-deferred annuities provide the same advantages as 401(k)s and other before tax retirement plans?]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2676</guid>
		<description><![CDATA[With all of the ups and downs in the stock market, many investors have been asking this question, “Is there a way to make money in the stock market and still have a way not ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Four Signs Your Job Might Be In Danger!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 13:40:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[four signs to help you make smart money moves to keep your job]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2668</guid>
		<description><![CDATA[With the high unemployment we have today in the United States, it is more important than ever to prepare financially should you be laid off from your job.  You should make sure you have a fresh ...]]></description>
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		<title>5 Ways To Make More Money Now</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 13:41:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2657</guid>
		<description><![CDATA[If you can’t decrease your overall expenses, then maybe it’s time to figure out how to start making more money.   You could change careers.   You could pick up a second job.  Or, you could really ...]]></description>
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		<title>Does my credit score really matter?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2648</guid>
		<description><![CDATA[It seems more than ever that clients are asking me the question, “does my credit score really matter?”     Your credit score has always counted, but I truly believe it will become even more important in ...]]></description>
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		<title>Personal Finance 101 &#8211; Running Your Family Profit and Loss Statement</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 14:59:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2636</guid>
		<description><![CDATA[For three years now, we have been teaching individuals and families to begin thinking about their family finances like they were running a business. We know that in every business the two major dashboards are ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Resell Your Coupons?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 13:31:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2631</guid>
		<description><![CDATA[Are you one of those people who bought a big entertainment book that sat in your glove compartment until the end of the year when you realized you used only three coupons?  Or worse yet, ...]]></description>
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		<title>It’s Time For A Real Leader To Step Up</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 14:12:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[A leader would not be afraid to truly deliver a tough message no matter what the consequences]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2621</guid>
		<description><![CDATA[We have begun to see the litany of new candidates who are throwing their hat in the ring to be President of The United States of America in the election next year.   Each of them ...]]></description>
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		<title>Are Diamonds as an investment an alternative to the stock market and gold?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 14:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2614</guid>
		<description><![CDATA[During a time when the only thing for certain seems to be economic uncertainty, have you considered investing in diamonds? For months now, you’ve watched your stocks and other investments see-saw while watching gold prices ...]]></description>
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