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	<title>oXYGen Financial - Your Smart Money Moves</title>
	<link>http://www.yoursmartmoneymoves.com</link>
	<description>Your Smart Money Moves</description>
	<lastBuildDate>Wed, 10 Mar 2010 15:12:57 +0000</lastBuildDate>
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		<title>Great Small Business Tax Deductions</title>
		<description><![CDATA[Don&#8217;t miss these fourteen tax deductions for your small  business.
It&#8217;s simple: The more tax deductions your business can  legitimately take, the lower its taxable profit will be. Also, in addition to  putting ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/03/10/great-small-business-tax-deductions/</link>
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		<title>Physician Shortage Now and Ahead</title>
		<description><![CDATA[Physician  Shortage Now and Ahead
by Eric  Gadlage
Physician Shortage Gives Rise to Preferred Access  Solutions
According to the AAMC, the United States is expected  to face a shortage of 124,000-159,000 physicians by 2025. ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/03/08/physician-shortage-now-and-ahead/</link>
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		<title>Introducing &#8211; The 40 Year Old Business Virgin</title>
		<description><![CDATA[40 Year Old Business Virgin &#8211; Business Radio
Come join Ted Jenkin and Kile Lewis;
CEOs of oXYGen Financial
 This and EVERY  Friday at 12pm as they interview local Atlanta Area CEOs to learn the do’s ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/03/05/introducing-the-40-year-old-business-virgin/</link>
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		<title>Life Insurance For My Children?</title>
		<description><![CDATA[Someone asked me the other day, “Ted, is it morbid to ask  you whether I should buy life insurance on my children?”   It was an interesting question, and one we  often get from ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/03/01/life-insurance-for-my-children/</link>
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		<title>Do you need disability insurance?</title>
		<description><![CDATA[
There are many types of insurance  programs to manage these days.  Yet, one of the programs most  misunderstood by employees of companies and small business owners is  the need for disability ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/25/do-you-need-disability-insurance/</link>
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		<title>10 Most Overrated Players In The NBA</title>
		<description><![CDATA[There is a big free agency year coming  up in the NBA for the summer of 2010.   While I don’t often comment  on sports, I thought I would give you my ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/22/10-most-overrated-players-in-the-nba/</link>
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		<title>Text HELP! For Detroit</title>
		<description><![CDATA[There isn’t a day that passes by now  where I don’t see a continued commercial for raising money to save  Haiti. I feel awful for the people of Haiti over this terrible  ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/19/text-help-for-detroit/</link>
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		<title>Small Business Owners &#8211; Want to Retire?</title>
		<description><![CDATA[Can  you still set up a retirement plan for 2009 if you are a small  business owner?
If you own a small business or are just  an independent contractor, there may still be ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/17/small-business-owners-want-to-retire/</link>
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		<title>Top 5 Insurance Policies To Avoid</title>
		<description><![CDATA[Doesn’t it seem like there is always  an insurance decision to make?   Whether it is from a new purchase  you make, a decision at work, or someone calling you to buy ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/15/top-5-insurance-policies-to-avoid/</link>
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		<title>What Tax Deductions Could Go Away In The Future?</title>
		<description><![CDATA[All of us know that the United States  is in a massive federal deficit.  Most pundits on television are  letting us know that taxes in some way, shape, or form will have ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/11/what-tax-deductions-could-go-away-in-the-future/</link>
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		<title>Ten Things To Include In Your Will</title>
		<description><![CDATA[Ten  Things To Include In Your Will
Here is a great article By Barbara  Kate Repa,
Caring.com Senior Editor that I came  across on www.caring.com
1. Name a  personal representative or executor.
In an individual ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/09/ten-things-to-include-in-your-will/</link>
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		<title>How do your next door neighbors spend their money?</title>
		<description><![CDATA[Didn’t  you always wonder what your next door neighbor spends on their money  on every year?  Or maybe you were curious on whether you spend more  or less than you should ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/04/how-does-your-next-door-neighbors-spend-their-money/</link>
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		<title>Health Savings Account Limits For 2010</title>
		<description><![CDATA[Health  Savings Account Limits For 2010
Many Americans  have switched over to a Health Savings Account.   This would be a  great time of the year to assess what you actually spent ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/02/01/health-savings-account-limits-for-2010/</link>
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		<title>Should I keep my old car or buy a new one?</title>
		<description><![CDATA[I get this question all the time, especially in Atlanta where people are car conscious.   The debate around how long to keep the old car you have been nursing the scratches and bruises ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/29/should-i-keep-my-old-car-or-buy-a-new-one/</link>
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		<title>2010 Mileage Rates!</title>
		<description><![CDATA[As each year changes, so do the  deductions we can take every year as it relates to mileage with  business, charitable, and medical mileage.   I often find that people  I ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/27/2010-mileage-rates/</link>
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		<title>TOP 10 Atlanta LATE NIGHT Restaurants</title>
		<description><![CDATA[The Top Ten  Atlanta LATE NIGHT Restaurants:
1.)  Au Pied de Cochan
(404)  946-9070
Open  24 hours a day
Classification:  “French Cuisine that is located at the Intercontinental Hotel in  Buckhead”
3315  Peachtree Road ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/25/top-10-atlanta-late-night-restaurants/</link>
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		<title>How Not To Go Broke with oXYGen Financial &#8211; 01/21/10</title>
		<description><![CDATA[Enjoy this weeks show if you missed it on the Regular Guys on  100.5 FM 
&#8220;How Not To Go Broke with Kile Lewis and Ted Jenkin&#8221; of  oXYGen Financial &#8211; 01/21/10

Related Articles &#8211; Top 10 ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/22/how-not-to-go-broke-with-oxygen-financial-012110/</link>
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		<title>Do You Pay Your Taxes By Credit Card?</title>
		<description><![CDATA[Some business owners or people who pay  estimated tax payments end up paying their federal income taxes with  a credit card.
If you pay your income tax (including  estimated tax payments) by credit ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/21/do-you-pay-your-taxes-by-credit-card/</link>
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		<title>The Top 10 Most Overlooked Tax Deductions</title>
		<description><![CDATA[Top  10 Most Overlooked Tax Deductions
Ted  Jenkin, CFP®,  AAMS®,  AWMA®,  CRPC®,  CMFC®,  CRPS®
Co-CEO  and Founder oXYGen Financial, Inc. Request  a FREE consultation: www.oxygenfinancial.net
Get the most out ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/20/the-top-10-most-overlooked-tax-deductions/</link>
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		<title>Tax Changes For 2010</title>
		<description><![CDATA[With  2010 rapidly approaching, you should take some time to review your  tax management strategy and get your financial plan in place.  Here  is a list of some of the important ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/18/tax-changes-for-2010/</link>
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		<title>How Not To Go Broke with Kile Lewis &#8211; oXYGen Financial &#8211; 01/14/10</title>
		<description><![CDATA[How Not To Go Broke with Kile Lewis of oXYGen Financial – 01/14/10 radio show on The Regular Guys


11680 Great Oaks Way, Suite 175 &#124; Alpharetta, GA 30022
Phone 1.800.355.9318 or 770.777.0427
oXYGen Financial, Inc. co-CEO Kile ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/17/how-not-to-go-broke-with-kile-lewis-oxygen-financial-011410/</link>
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		<title>Best Things To Buy In January</title>
		<description><![CDATA[I am all about saving money, and here are some of the items I think you will be able to find deals on in the month of January:

Jewelry
Bedding
Furniture
Calendars
Toys

If you have more . . . leave ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/15/best-things-to-buy-in-january/</link>
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		<title>Watch out Georgia speeders!</title>
		<description><![CDATA[Attention  all speeders! Effective January 1st,  2010, the new Super Speeder Law takes effect in the State of Georgia.     This law on interstate highways could cost you as much ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/13/watch-out-georgia-speeders/</link>
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		<title>Share A Taxi And Save Money</title>
		<description><![CDATA[I  recently stumbled across a cool website call www.taxi.to.    Here is how it works.   You enter your travel information including  name, e-mail, flight number, date of travel, and ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/08/share-a-taxi-and-save-money/</link>
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		<title>Update Your Beneficiary Designations</title>
		<description><![CDATA[Many  people today are experiencing significant and sometimes sweeping  changes in their family situations.   Perhaps a recent divorce,  separation, or marriage.   Or, your children have moved out on ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/06/update-your-beneficiary-designations/</link>
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		<title>What did it cost a decade ago?</title>
		<description><![CDATA[All I need is a bottle of Martini &#38;  Rossi Spumante, a pack of batteries, and a can of coffee.   That  is what you may have heard if Steve Martin was doing ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2010/01/04/what-did-it-cost-a-decade-ago/</link>
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		<title>Top 5 Ways to Help Someone Who Is Unemployed</title>
		<description><![CDATA[With the unemployment rate continue to hover above 10%, everyone is feeling a little pinch in the wallet.  If you know someone who is currently unemployed, here are some ideas on how you could ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/31/top-5-ways-to-help-someone-who-is-unemployed/</link>
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		<title>Top 10 After Christmas Deal Websites</title>
		<description><![CDATA[Top Ten After Christmas Shopping &#8211; Savings and Deal Websites


This  is not a be all end all list, but a few of my favorites:



www.overstock.com
www.amazon.com
www.walmart.com
www.slickdeals.net
www.dealio.com
www.become.com
www.barnesandnoble.com
www.dealhack.com
www.shoppingguru.com
www.dealnews.com

Ted  Jenkin, CFP®,  AAMS®,  AWMA®,  CRPC®,  ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/28/top-10-after-christmas-deal-websites/</link>
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		<title>Unemployment Extension: F.A.Q.’s</title>
		<description><![CDATA[So here are answers to some of the most frequently asked questions about the Unemployment extension:
Q. Who’s eligible for extended unemployment benefits?
A. Unemployment benefits will be extended by 14 weeks to all people in all ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/23/unemployment-extension-f-a-q-%e2%80%99s/</link>
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		<title>What If Tiger Woods Was A Stock?</title>
		<description><![CDATA[Have you ever asked yourself around a specific investment you have whether you should buy, sell, or hold the investment? If Tiger Woods was a stock in today’s marketplace, the big question you should be asking yourself is should I buy, sell, or hold Tiger Woods?

The media currently has an insatiable appetite around the Tiger Woods scandal. In my opinion, this lesson around Tiger Woods could be one of the most important lessons around how investing should be viewed in the future, and most something certainly to consider around how you go about portfolio development for the future.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/21/what-if-tiger-woods-was-a-stock/</link>
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		<title>How Not To Go Broke with oXYGen Financial &#8211; 12/17/09</title>
		<description><![CDATA[How Not To Go Broke with Kile Lewis of oXYGen Financial – 12/10/09 weekly radio show on The Regular Guys on 100.5 FM - Thursday mornings 8am.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/20/how-not-to-go-broke-with-oxygen-financial-121709/</link>
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		<title>The Top 10 Travel Websites</title>
		<description><![CDATA[Like Saving Money?
Are you traveling?
Looking for Travel Deals?
oXYGen Financial once again bringing you the resources to do so!
&#160;
&#160;
The Top 10 Travel Websites:

 www.orbitz.com 
www.kayak.com
www.priceline.com
www.expedia.com
www.tavelocity.com
www.tripadvisor.com
www.lastminutetravel.com
www.site59.com
www.hotels.com
 www.oyster.com

Check out other Top 10 Lists :
Compare Credit Card Websites , ...]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/17/the-top-10-travel-websites/</link>
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		<title>Could sitcoms help you get out of debt?</title>
		<description><![CDATA[Pop culture is poised on the precipice of a mid-season replacement lineup as networks get ready to roll out their latest offerings, hoping millions will tune into their channels. Many will watch in the hopes of sharpening their punch line delivery skills or getting a hearty chuckle.

But few viewers realize that the laughable and lovable characters we welcome into our homes once a week can actually teach us some valuable lessons about managing money and protecting our credit.

Whether they're fiscally frugal or free-spending, here's some practical advice from a few classic characters.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/15/could-sitcoms-help-you-get-out-of-debt/</link>
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		<title>How Not To Go Broke with Kile Lewis of oXYGen Financial &#8211; 12/10/09</title>
		<description><![CDATA[How Not To Go Broke with Kile Lewis of oXYGen Financial - 12/10/09 radio show on The Regular Guys on 100.5 FM]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/11/how-not-to-go-broke-with-kile-lewis-of-oxygen-financial-121009/</link>
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		<title>Top 10 Credit Card Comparison Resource Sites</title>
		<description><![CDATA[Top 10 Compare Credit Card Sites brought to you by oXYGen Financial INC. Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS® Co-CEO and Founder oXYGen Financial, Inc.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/08/top-10-credit-card-comparison-resource-sites/</link>
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		<title>Do Kids Need The Brand Names?</title>
		<description><![CDATA[It seems like every mall or suburb strip outlet you go into today has virtually all the same stores.  What would a mall be without a GAP or an Abercrombie &#038; Fitch?   What amazes me the most is how we as parents can get caught up in making sure that our children have the very best in brand names without thinking about the price or whether it is affordable in our monthly budget.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/04/do-kids-need-the-brand-name/</link>
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		<title>How Not To Go Broke with oXYGen Financial &#8211; 12/03/09</title>
		<description><![CDATA[How Not To Go Broke with  Kile Lewis of oXYGen Financial on the Regular Guys 100.5 fm - 12/03/09
]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/03/how-not-to-go-broke-with-oxygen-financial-120309/</link>
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		<title>Overdraft Changes On Your ATM Card</title>
		<description><![CDATA[In a move to show the Federal Reserve is now here to protect consumers, the Federal Reserve banned ATM and debit card overdraft fees unless customers have opted to pay to ensure balance busting transactions don’t automatically go through. 

The new rules, which take effect July 1, 2010 mean that if you don’t have enough money in your account for the ATM withdrawal the transaction will be rejected.    With any level of human reasoning, this should have always been the case.  However, in the past, the bank would approve the transaction and tack on overdraft fees which can cost the average consumer hundreds of dollars per year.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/12/02/overdraft-changes-on-your-atm-card/</link>
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		<title>Warren Buffett’s Secret Millionaire’s Club</title>
		<description><![CDATA[It seems like cartoon movies are everywhere, with Hollywood celebrities cashing in doing animated sequels like Ice Age and Madagascar. I’ve got three kids, so I know what it costs to take a family of five to the movies for an evening showing. I also recently wrote an article about the upscale cost of the new theaters that are designed to show the 3-D movies.

Now, guess who is getting into the cartoon game? Yes, none other than Warren Buffett.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/30/warren-buffett%e2%80%99s-secret-millionaire%e2%80%99s-club/</link>
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		<title>Ideas Worth Spreading &#8211; TEDX Peachtree Convention</title>
		<description><![CDATA[oXYGen Financial, Inc. is a proud to sponsor the TEDXPeachtree Conference and hopes you will be joining the event on Dec. 4th 2009! Ideas Worth Spreading - TEDxPeachtree

In the spirit of ideas worth spreading, TED has created a program called TEDx. TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. Our event is called TEDxPeachtree, where x=independently organized TED event. At our TEDxPeachtree event, TEDTalks videos and live speakers will combine to spark deep discussion and connection in a small group.
]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/27/ideas-worth-spreading-tedx-peachtree-convention/</link>
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		<title>Is Black Friday The Best Day To Buy A Car?</title>
		<description><![CDATA[Is Black Friday The Best Day To Buy A Car? Black Friday has always been know as the day to get deals on toys, appliances, electronics, and clothing items. Could 2009 be the year of the car? I have attached a great link to an article you should read if you are in the market for a new ride.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/24/is-black-friday-the-best-day-to-buy-a-car/</link>
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		<title>Black Friday Is Coming!</title>
		<description><![CDATA[Black Friday Is Coming - Some of love it. Some of us don’t. Black Friday is the one day of the year where you are supposed to get the deals of a lifetime. It is the ultimate early shopping day known as Black Friday which is the day after Thanksgiving. If you are ready to wake up at the crack of dawn, you may be able to go down to one of your favorite stores to find the lowest of bargains in the market place.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/23/black-friday-is-coming/</link>
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		<title>The Top Ten Great Deal Websites</title>
		<description><![CDATA[The Top Ten Great Deal Websites - Breathe Easier® About Your Financial Future - oXYGen Financial]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/20/the-top-ten-great-deal-websites/</link>
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		<title>Analyze Your Cell Phone Bill</title>
		<description><![CDATA[If you are concerned about your cell phone bill, it may be time to take a trip into your local vendor. I have been in the habit now of taking my phone (and family plan) into my cell phone provider quarterly to run a diagnostic on the bill. Some vendors will allow you to do this exercise on their website when you log in as a customer. If your vendor doesn’t offer that service, then take it in to the store. With plans changing all of the time between voice, data, and more, this could be an easy way to help you shave some expense money off of your monthly bills.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/16/analyze-your-cell-phone-bill/</link>
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		<title>Do we need this type of Health Care reform?</title>
		<description><![CDATA[There has been much debate about the hyped up nearly trillion dollar health care reform that has been in the media every day.   Heck, I hope you like novels because the last full draft I read on the bill was over 1,000 pages.   I’m sure that you can get the condensed version on some news source which will tell you the 6 or 8 key bullet points that they think you need to know.   I wanted to let you know that I am not a huge fan of this and neither should you be when you think about the bill.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/13/do-we-need-this-type-of-health-care-reform/</link>
			</item>
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		<title>Be wary of “hypotheticals” in insurance policies!</title>
		<description><![CDATA[Many people consider buying into permanent insurance policies.   Almost always, I see an illustration when people bring it to me with a hypothetical illustration.   On some policies these projected illustrations carry a hypothetical rate of return of 10% to project where cash value accounts will be over the next 20 to 25 years.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/11/be-wary-of-%e2%80%9chypotheticals%e2%80%9d-in-insurance-policies/</link>
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		<title>7 Money Tips for a New Marriage.</title>
		<description><![CDATA[You just got married, but you may not have realized that your money did as well. One of you is a spender and one is a saver! How in the world will you make it work. Here are 7 tips from about.com on money strategies for your new marriage.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/09/7-money-tips-for-a-new-marriage/</link>
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		<title>Complete Stain Removal Guide</title>
		<description><![CDATA[The Complete Stain Removal Guide. The Basics of Stain Removal...

1. TAKE QUICK ACTION - The sooner a stain is treated the better. Time can “set” stains. Almost any stain can be removed if action is taken quickly enough, however almost any stain will become permanent if left untreated too long. Ideally, all stains should be treated within the first 24 hours.

2. BLOT &#038; SCRAPE – Whenever possible, immediately after the stain occurs, blot up any excess liquid with a paper towel or clean white cloth. Scrape solids from the fabric if the stain is dry.  Try to remove as much excess as possible before further stain treatment.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/04/complete-stain-removal-guide/</link>
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		<title>You can’t retire by scanning Google.</title>
		<description><![CDATA[Only recently have personal savings levels risen, where just a short while ago they were the lowest since the Great Depression when unemployment was more than 25%. (USA Today)  Why is this happening?

I have a theory, and it boils down to the fact that people in the X and Y generation just don’t read anymore.   Remember when you were a kid and had to take those tests where you read a short story, and then had to answer a bunch of multiple choice questions around the story?   I didn’t fare so well on those tests, but if people had to take them today based upon what they think they learned on the internet . . . surely we would be a failing class.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/11/02/you-can%e2%80%99t-retire-by-scanning-google/</link>
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		<title>Should you lock in your natural gas rates?</title>
		<description><![CDATA[We have seen that natural gas rates are at an all time low.   Here are some points that I thought I would share with you for those in the state of Georgia around your natural gas bills, and the upcoming winter season ahead of us.

Point 1: With colder weather setting in, it's a good time to think about fixing your natural gas rate


Generally speaking, 6- and 12-month fixed rates are lower than variable rates right now. Based on natural gas futures prices, this is likely to remain the case through the winter when most customers' usage increases dramatically.  With rates now starting to rise, fixing your natural gas rate is an easy, effective measure that consumers can take to manage their household budgets this winter.  And that leaves more money in your pocket.]]></description>
		<link>http://www.yoursmartmoneymoves.com/2009/10/27/should-you-lock-in-your-natural-gas-rates/</link>
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