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<channel>
	<title>Personal Finance Times &#187; Vault</title>
	<link>http://personalfinancetimes.com</link>
	<description>Financial Insights by Experts</description>
	<pubDate>Sun, 04 Jan 2009 17:58:34 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.2.1</generator>
	<language>en</language>
			<item>
		<title>Response to Jim McTague&#8217;s Article on Congress</title>
		<link>http://personalfinancetimes.com/2008/12/22/response-to-jim-mctagues-article-on-congress/</link>
		<comments>http://personalfinancetimes.com/2008/12/22/response-to-jim-mctagues-article-on-congress/#comments</comments>
		<pubDate>Mon, 22 Dec 2008 15:20:22 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Rants]]></category>

		<category><![CDATA[Freedom &amp; Happiness]]></category>

		<category><![CDATA[Good to Know]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/12/22/response-to-jim-mctagues-article-on-congress/</guid>
		<description><![CDATA[

SATURDAY, DECEMBER 13, 2008
D.C. CURRENT
Congress Should Sample Detroit&#8217;s Medicine
By JIM MCTAGUE &#124; MORE ARTICLES BY AUTHOR
Curing ailing Uncle Sam.STAND ASIDE AL GORE! THERE&#8217;S A NEW DOCTOR DOOM in town, with a scary documentary and equally frightening stage patter. He says our country is just decades away from financial ruin that will make the current credit [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/12/22/response-to-jim-mctagues-article-on-congress/feed/</wfw:commentRss>
		</item>
		<item>
		<title>WHOA!!! What just happened?!?!</title>
		<link>http://personalfinancetimes.com/2008/12/21/whoa-what-just-happened/</link>
		<comments>http://personalfinancetimes.com/2008/12/21/whoa-what-just-happened/#comments</comments>
		<pubDate>Sun, 21 Dec 2008 15:18:53 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Expense Reduction Plans]]></category>

		<category><![CDATA[Mortgage Rates]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/12/21/whoa-what-just-happened/</guid>
		<description><![CDATA[Mortgage rates just went wacko! Usually, historically - never seen before - mortgage rates do not react this way. BUT with the current economic roller coaster ways nothing will surprise me these days.Rates are in the basement and probably cannot go any lower. The Federal Reserve is cheapening money as much as they can to [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/12/21/whoa-what-just-happened/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ok here&#8217;s the deal&#8230;</title>
		<link>http://personalfinancetimes.com/2008/12/12/ok-heres-the-deal/</link>
		<comments>http://personalfinancetimes.com/2008/12/12/ok-heres-the-deal/#comments</comments>
		<pubDate>Fri, 12 Dec 2008 15:57:11 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/12/12/ok-heres-the-deal/</guid>
		<description><![CDATA[i have been wanting to hire a professional online marketer for a year. but i cant find anyone who can sell me on themselves&#8217;. i am a salesman - person - whatever. i sell myself to people in order to make a commission on the sales of large life insurance policies to create REAL wealth [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/12/12/ok-heres-the-deal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Year End Tax Strategies: Start a Home Based Business</title>
		<link>http://personalfinancetimes.com/2008/12/09/year-end-tax-strategies-start-a-home-based-business/</link>
		<comments>http://personalfinancetimes.com/2008/12/09/year-end-tax-strategies-start-a-home-based-business/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 20:19:17 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[USANA]]></category>

		<category><![CDATA[Freedom &amp; Happiness]]></category>

		<category><![CDATA[Expense Reduction Plans]]></category>

		<category><![CDATA[Good to Know]]></category>

		<category><![CDATA[Resources]]></category>

		<category><![CDATA[Tax Strategies]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/12/09/year-end-tax-strategies-start-a-home-based-business/</guid>
		<description><![CDATA[If You Don&#8217;t Have a Home-Based Business, Start One Today!
The last decade may have been a decade of tremendous corporate profits and economic growth, but for the vast majority of North Americans, the 90&#8217;s were a dismal, uphill climb. And many economists believe that this new millennium won&#8217;t be getting better any time soon.
Why?
Changing business [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/12/09/year-end-tax-strategies-start-a-home-based-business/feed/</wfw:commentRss>
		</item>
		<item>
		<title>And the hits just keep coming&#8230;!!!</title>
		<link>http://personalfinancetimes.com/2008/12/02/and-the-hits-just-keep-coming/</link>
		<comments>http://personalfinancetimes.com/2008/12/02/and-the-hits-just-keep-coming/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 14:14:11 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Good to Know]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/12/02/and-the-hits-just-keep-coming/</guid>
		<description><![CDATA[DOW DOWN OVER 600 POINTS ON NEWS THAT WE ARE IN A RECESSION&#8230; that is just dumb if you ask me.
What are we talking about here? Is the capitulation point upon us? Is it the bottom? Do you know what to do?
Don&#8217;t ask me, I haven&#8217;t been in the stock market since 1999. The dotcom [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/12/02/and-the-hits-just-keep-coming/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Thanksgiving to me</title>
		<link>http://personalfinancetimes.com/2008/11/22/thanksgiving-to-me/</link>
		<comments>http://personalfinancetimes.com/2008/11/22/thanksgiving-to-me/#comments</comments>
		<pubDate>Sat, 22 Nov 2008 16:12:15 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Good to Know]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/11/22/thanksgiving-to-me/</guid>
		<description><![CDATA[Thanksgiving is a holiday that is on the fence with my family. Growing up we gathered at my grandparents in Henderson on my Mother&#8217;s side for lunch and then venture down the road to Concord to my great aunt and uncle&#8217;s on my Dad&#8217;s side for dinner. A feastful day!
At my Mother&#8217;s family it was my &#8216;Nanny&#8217;s&#8217; ham [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/11/22/thanksgiving-to-me/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Buy the Book</title>
		<link>http://personalfinancetimes.com/2008/11/12/buy-the-book/</link>
		<comments>http://personalfinancetimes.com/2008/11/12/buy-the-book/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 14:07:47 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/11/12/buy-the-book/</guid>
		<description><![CDATA[



 

What if you could recover the interest expenses you pay to finance cars or other major purchases?
What if you could recover the “lost fortune” on the money you needlessly give to financial institutions?
What if you could do this on a tax-free basis?
If your is answer yes, then would you?
You can, if you learn how to [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/11/12/buy-the-book/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why did you adopt the Infinite Banking Concept?</title>
		<link>http://personalfinancetimes.com/2008/10/26/why-did-you-adopt-the-infinite-banking-concept/</link>
		<comments>http://personalfinancetimes.com/2008/10/26/why-did-you-adopt-the-infinite-banking-concept/#comments</comments>
		<pubDate>Sun, 26 Oct 2008 19:20:05 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[What do you want do?]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/10/26/why-did-you-adopt-the-infinite-banking-concept/</guid>
		<description><![CDATA[ Why did you adopt the Infinite Banking Concept?
The most popular reason for adopting the Infinite Banking Concept is the ability to control your costs, control your spending and leverage the death benefit.
Most will use the Infinite Banking Concept for business purposes - buying inventory, real estate investment, capital improvements and the like. This is [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/10/26/why-did-you-adopt-the-infinite-banking-concept/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What are you thinking?</title>
		<link>http://personalfinancetimes.com/2008/09/15/what-are-you-thinking/</link>
		<comments>http://personalfinancetimes.com/2008/09/15/what-are-you-thinking/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 22:49:43 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/15/what-are-you-thinking/</guid>
		<description><![CDATA[When a 158 year old company can simply just vanish, don&#8217;t you wonder about what will happen next?
AND I am not even going to talk about why the government didn&#8217;t bail them out. The government should never interfere with our free market; I was starting to think we were sliding a little towards socialism and [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/15/what-are-you-thinking/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Register for Complimentary Infinite Banking Round of Golf</title>
		<link>http://personalfinancetimes.com/2008/09/11/infinite-banking-round-of-golf/</link>
		<comments>http://personalfinancetimes.com/2008/09/11/infinite-banking-round-of-golf/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 09:44:32 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Complimentary Round]]></category>

		<category><![CDATA[Golf]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/11/infinite-banking-round-of-golf/</guid>
		<description><![CDATA[
Powered by Wufoo

        


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/11/infinite-banking-round-of-golf/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Being passive, aggressive about your money guarantees failure</title>
		<link>http://personalfinancetimes.com/2008/08/24/being-passive-aggressive-about-your-money-guarantees-failure/</link>
		<comments>http://personalfinancetimes.com/2008/08/24/being-passive-aggressive-about-your-money-guarantees-failure/#comments</comments>
		<pubDate>Sun, 24 Aug 2008 16:00:54 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[What do you want do?]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/08/24/being-passive-aggressive-about-your-money-guarantees-failure/</guid>
		<description><![CDATA[You put your money in an account that has no guarantees, usually a 401(k) or something &#8216;qualified&#8217;, and expect something magical to happen. What are you expecting? Enough money to live on from the day you retire until you die?
People, it will never happen this way. Systematic, stealth deposits from your paycheck with no taxes, [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/08/24/being-passive-aggressive-about-your-money-guarantees-failure/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Cool Stuff</title>
		<link>http://personalfinancetimes.com/2008/07/06/cool-stuff/</link>
		<comments>http://personalfinancetimes.com/2008/07/06/cool-stuff/#comments</comments>
		<pubDate>Sun, 06 Jul 2008 18:34:58 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/07/06/cool-stuff/</guid>
		<description><![CDATA[I found the coolest thing today! Brands for steaks, burgers or whatever you are grilling. I ordered a custom brand for my ranch The Triple N Ranch.
Check it out:
www.SteakBrands.com
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/07/06/cool-stuff/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Service is what counts in business</title>
		<link>http://personalfinancetimes.com/2008/07/06/service-is-what-counts-in-business/</link>
		<comments>http://personalfinancetimes.com/2008/07/06/service-is-what-counts-in-business/#comments</comments>
		<pubDate>Sun, 06 Jul 2008 16:47:39 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/07/06/service-is-what-counts-in-business/</guid>
		<description><![CDATA[My second vacation of the year started on June 27th at 4pm. I got in my car to drive home - south to San Antonio when I realized I didn&#8217;t want to drive home and start packing for my week at the beach. I wanted to walk the streets of Austin, Texas and eat breakfast [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/07/06/service-is-what-counts-in-business/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Become your own banker</title>
		<link>http://personalfinancetimes.com/2008/03/27/become-your-own-banker/</link>
		<comments>http://personalfinancetimes.com/2008/03/27/become-your-own-banker/#comments</comments>
		<pubDate>Thu, 27 Mar 2008 12:28:06 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=153</guid>
		<description><![CDATA[&#8220;A good man leaveth an inheritance to his children&#8217;s  children; and the wealth of the sinner is laid up for the just.&#8221;
-              Proverbs 13:22 
What if you could recover the interest expenses you pay to finance  cars or other major [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/27/become-your-own-banker/feed/</wfw:commentRss>
		</item>
		<item>
		<title>WATERFORD HEIGHTS in The Heights at Stone Oak, San Antonio, TX 78258</title>
		<link>http://personalfinancetimes.com/2008/03/26/waterford-heights-in-the-heights-at-stone-oak-san-antonio-tx-78258/</link>
		<comments>http://personalfinancetimes.com/2008/03/26/waterford-heights-in-the-heights-at-stone-oak-san-antonio-tx-78258/#comments</comments>
		<pubDate>Wed, 26 Mar 2008 13:20:36 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/26/waterford-heights-in-the-heights-at-stone-oak-san-antonio-tx-78258/</guid>
		<description><![CDATA[Waterford Heights is a luxury and exclusive gated community within the magnificent community of The Heights at Stone Oak offering you and your family an opportunity to enjoy peace and quiet in a tranquil environment that is only 15 minutes from the best schools, shopping, and entertainment. Each home site consists of one to one and one-half [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/26/waterford-heights-in-the-heights-at-stone-oak-san-antonio-tx-78258/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ALL CRAP!!!</title>
		<link>http://personalfinancetimes.com/2008/03/25/all-crap/</link>
		<comments>http://personalfinancetimes.com/2008/03/25/all-crap/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 07:43:36 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/25/all-crap/</guid>
		<description><![CDATA[Are you kidding me?!?!?! This is ALL CRAP! 
Yes stuff costs more! Do you people realize that inflation has not been around for the past 6 years?!?!?! Does anyone save their money? Just because you make $100,000 a year does not mean you spend all of it every year!!! The gas story is ridiculous &#8212; [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/25/all-crap/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What does a Financial Planner do?</title>
		<link>http://personalfinancetimes.com/2008/03/07/what-does-a-financial-planner-do/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/what-does-a-financial-planner-do/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 16:17:25 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/what-does-a-financial-planner-do/</guid>
		<description><![CDATA[Personal financial planners help families and individuals understand financial products, how they work, and the role of the family in making financial decisions, such as saving for college or retirement. The emphasis on how money management affects families and their futures gives our process a human dimension — and gives you an edge over money [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/what-does-a-financial-planner-do/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Model</title>
		<link>http://personalfinancetimes.com/2008/03/07/the-model/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/the-model/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 15:27:47 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/the-model/</guid>
		<description><![CDATA[You probably own a variety of financial products and have made many financial decisions. Each product and financial decision most likely has been made individually and without much thought of integrating them into a skillfully coordinated and efficient plan. Without a financial model to assess, evaluate or measure each financial decision, your money may become [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/the-model/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Process</title>
		<link>http://personalfinancetimes.com/2008/03/07/the-process/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/the-process/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 15:25:22 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/the-process/</guid>
		<description><![CDATA[When                                     you think about the services we provide for           [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/the-process/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What L.E.A.P. Means</title>
		<link>http://personalfinancetimes.com/2008/03/07/what-leap-means/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/what-leap-means/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 15:23:51 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/what-leap-means/</guid>
		<description><![CDATA[Lifetime Economic Acceleration Process
LIFETIME:
LEAP SYSTEMS, Inc. views your financial process as an ongoing lifetime experience. LEAP uses a comprehensive or holistic approach.

ECONOMIC:
LEAP seeks to make your money productive and efficient which may increase its performance over time.

ACCELERATION:
LEAP allows your money to have the potential to achieve an accelerated rate of return by using a unique [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/what-leap-means/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Securing Your Financial Future</title>
		<link>http://personalfinancetimes.com/2008/03/02/securing-your-financial-future/</link>
		<comments>http://personalfinancetimes.com/2008/03/02/securing-your-financial-future/#comments</comments>
		<pubDate>Sun, 02 Mar 2008 21:28:46 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=158</guid>
		<description><![CDATA[Securing Your Financial Future
&#160;
In a recent survey, 74.5% of individuals with at least $1 million in net worth felt that the world is a dangerous place (Source:&#160; Financial Planning, June 2007).&#160; While there might not be much we can do on an individual level to reduce crime, war, or even stock market corrections, we can [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/02/securing-your-financial-future/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Active Rain</title>
		<link>http://personalfinancetimes.com/2008/02/15/active-rain/</link>
		<comments>http://personalfinancetimes.com/2008/02/15/active-rain/#comments</comments>
		<pubDate>Fri, 15 Feb 2008 13:12:44 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=154</guid>
		<description><![CDATA[You can find great local Mount Enterprise, Texas real estate information on Localism.com Brandi Jo Newman is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/15/active-rain/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Disability Insurance: What every physician should know</title>
		<link>http://personalfinancetimes.com/2008/02/12/disability-insurance-what-every-physician-should-know/</link>
		<comments>http://personalfinancetimes.com/2008/02/12/disability-insurance-what-every-physician-should-know/#comments</comments>
		<pubDate>Tue, 12 Feb 2008 14:38:35 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=149</guid>
		<description><![CDATA[Would you ever consider scrimping on your malpractice insurance -
buying a cheaper policy to save money or one-size-fits-all coverage to
save time? Probably not, because most physicians know that a solid
malpractice policy is a vital part of practicing medicine today.
Without it, you could be ruined, so the time and money spent on
getting the best possible coverage [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/12/disability-insurance-what-every-physician-should-know/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Human Life Value</title>
		<link>http://personalfinancetimes.com/2008/02/11/human-life-value/</link>
		<comments>http://personalfinancetimes.com/2008/02/11/human-life-value/#comments</comments>
		<pubDate>Mon, 11 Feb 2008 14:45:51 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=150</guid>
		<description><![CDATA[According to the U.S. Department of Labor, the number of working women in the U.S. increased from 30 million in 1970 to more than 65 million today. But what part of women&#8217;s economic value is protected against losses their families might suffer upon a death? The answers appear to be that only a small part [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/11/human-life-value/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: You Can&#8217;t Kill It</title>
		<link>http://personalfinancetimes.com/2007/12/03/video-you-cant-kill-it/</link>
		<comments>http://personalfinancetimes.com/2007/12/03/video-you-cant-kill-it/#comments</comments>
		<pubDate>Tue, 04 Dec 2007 00:16:42 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Video]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=139</guid>
		<description><![CDATA[Barron&#8217;s Economics Editor Gene Epstein says a recession now seems unlikely, but a slowdown is in the works for 2008.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/03/video-you-cant-kill-it/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Top 100 Home-Based Businesses in the Nation Revealed</title>
		<link>http://personalfinancetimes.com/2007/11/11/top-100-home-based-businesses-in-the-nation-revealed/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/top-100-home-based-businesses-in-the-nation-revealed/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 15:59:38 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=127</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/top-100-home-based-businesses-in-the-nation-revealed/feed/</wfw:commentRss>
		</item>
		<item>
		<title>TRAVEL: Ask the Agent</title>
		<link>http://personalfinancetimes.com/2007/11/11/travel-ask-the-agent/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/travel-ask-the-agent/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 14:45:08 +0000</pubDate>
		<dc:creator>Amy Ford</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=126</guid>
		<description><![CDATA[Amy Ford is here to answer any questions you may have about traveling. Post a question in the comment area and she will respond.



]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/travel-ask-the-agent/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Perfecting the Punch-Pitch</title>
		<link>http://personalfinancetimes.com/2007/11/09/video-perfecting-the-punch-pitch/</link>
		<comments>http://personalfinancetimes.com/2007/11/09/video-perfecting-the-punch-pitch/#comments</comments>
		<pubDate>Fri, 09 Nov 2007 19:07:51 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=124</guid>
		<description><![CDATA[My golf instructor in Nathan Camacho. He takes golf very seriously and studies the best to make himself the best. I am very lucky that he takes the time to teach me his secrets and little known facts about the best there ever was. I wanted him to watch a few chips around the green. [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/09/video-perfecting-the-punch-pitch/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: When you are stressed, frustrated or just down right pissed off&#8230;</title>
		<link>http://personalfinancetimes.com/2007/11/07/video-when-you-are-stressed-frustrated-or-just-down-right-pissed-off/</link>
		<comments>http://personalfinancetimes.com/2007/11/07/video-when-you-are-stressed-frustrated-or-just-down-right-pissed-off/#comments</comments>
		<pubDate>Wed, 07 Nov 2007 07:48:39 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=121</guid>
		<description><![CDATA[Take a gander at this video from Jeff Ray with Suited Productions. I was stressed about crap that I just couldn&#8217;t control and found this video in the nick of time on YouTube.



]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/07/video-when-you-are-stressed-frustrated-or-just-down-right-pissed-off/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Suzuki Motorcycles</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 19:02:25 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=110</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Vespa</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-vespa/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-vespa/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 19:01:08 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=109</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-vespa/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: The Hitachi P50S601 50-in Plasma TV</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-the-hitachi-p50s601-50-in-plasma-tv/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-the-hitachi-p50s601-50-in-plasma-tv/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 18:46:38 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=108</guid>
		<description><![CDATA[The Hitachi P50S601 50-in Plasma TV offers full 1080P, along with a cool swivel base.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-the-hitachi-p50s601-50-in-plasma-tv/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: The Logitech V470 Laser Mouse</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-the-logitech-v470-laser-mouse/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-the-logitech-v470-laser-mouse/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 18:43:07 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=107</guid>
		<description><![CDATA[The Logitech V470 mouse is a compact, laser mouse that uses Bluetooth for wireless connectivity.


























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-the-logitech-v470-laser-mouse/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: The Gateway One</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-the-gateway-one/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-the-gateway-one/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 18:41:34 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=106</guid>
		<description><![CDATA[The Gateway One is a hot new all-in-one computer with good looks and strong features.


























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-the-gateway-one/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What is missing in the Austin Dining Scene?</title>
		<link>http://personalfinancetimes.com/2007/10/20/the-changing-dining-scene-in-austin/</link>
		<comments>http://personalfinancetimes.com/2007/10/20/the-changing-dining-scene-in-austin/#comments</comments>
		<pubDate>Sat, 20 Oct 2007 19:28:56 +0000</pubDate>
		<dc:creator>Dr. Judy Hamlin</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=13</guid>
		<description><![CDATA[
Successful restaurants offer a combination of good food, friendly and competent service, and ambiance that allow their patrons to feel like they’ve invested their money and time wisely.  Far too many Austin restaurants overlook the importance of good service, perhaps the result of a general lack of customer demand for excellence or young, educated, hip, [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/20/the-changing-dining-scene-in-austin/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why a Will?</title>
		<link>http://personalfinancetimes.com/2007/10/16/why-a-will/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/why-a-will/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:41:54 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=78</guid>
		<description><![CDATA[Often, the prospect of writing a will brings up feelings of discomfort. And yet, devising a will is one of the most important factors in estate planning, and one that should promote feelings of security. Doing so means that heirs will be provided for, and your distribution wishes will be met. Like many people, have [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/why-a-will/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Estate Planning Fundamentals</title>
		<link>http://personalfinancetimes.com/2007/10/16/estate-planning-fundamentals/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/estate-planning-fundamentals/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:39:44 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=77</guid>
		<description><![CDATA[Many individuals put off planning their estate. For some, this is due to the misconception that estate planning is only necessary for the wealthy or only involves tax planning, which can be done &#8220;later.&#8221; For others, it&#8217;s because they simply have a difficult time contemplating their own death—a perfectly natural reaction. Yet, it is important [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/estate-planning-fundamentals/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Get to know your Futureself</title>
		<link>http://personalfinancetimes.com/2007/10/15/get-to-know-your-futureself/</link>
		<comments>http://personalfinancetimes.com/2007/10/15/get-to-know-your-futureself/#comments</comments>
		<pubDate>Mon, 15 Oct 2007 22:52:54 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=65</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/15/get-to-know-your-futureself/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Real Wealth: A bag of shredded money?</title>
		<link>http://personalfinancetimes.com/2007/10/08/real-wealth-a-bog-of-shredded-money/</link>
		<comments>http://personalfinancetimes.com/2007/10/08/real-wealth-a-bog-of-shredded-money/#comments</comments>
		<pubDate>Mon, 08 Oct 2007 14:53:21 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=11</guid>
		<description><![CDATA[“Here’s a great gag gift. Money to Burn!!! 
A zip lock bag stuffed with genuine 
U.S. currency (all $100 notes) shredded for your convenience. No need to do it yourself, this money comes ready to burn! Start the BBQ with this! Show your friends how much money you have and how little it means to [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/08/real-wealth-a-bog-of-shredded-money/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What is FAFSA and Do I Need it to Earn College Scholarships?</title>
		<link>http://personalfinancetimes.com/2007/10/07/what-is-fafsa-and-do-i-need-it-to-earn-college-scholarships/</link>
		<comments>http://personalfinancetimes.com/2007/10/07/what-is-fafsa-and-do-i-need-it-to-earn-college-scholarships/#comments</comments>
		<pubDate>Mon, 08 Oct 2007 02:12:37 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=39</guid>
		<description><![CDATA[FAFSA is the Free Application for Federal Student Aid, and it is a required application for students who want to apply for federal and state financial aid and college scholarships. Even if the student does not qualify for federal or state aid, many colleges and universities, especially public institutions, require the the FAFSA for students [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/07/what-is-fafsa-and-do-i-need-it-to-earn-college-scholarships/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Classic Swing</title>
		<link>http://personalfinancetimes.com/2007/10/06/classic-swing/</link>
		<comments>http://personalfinancetimes.com/2007/10/06/classic-swing/#comments</comments>
		<pubDate>Sun, 07 Oct 2007 02:12:26 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=36</guid>
		<description><![CDATA[

]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/06/classic-swing/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Personal Finance Times - under construction</title>
		<link>http://personalfinancetimes.com/2007/10/04/personal-finance-times-under-construction/</link>
		<comments>http://personalfinancetimes.com/2007/10/04/personal-finance-times-under-construction/#comments</comments>
		<pubDate>Fri, 05 Oct 2007 06:03:26 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=30</guid>
		<description><![CDATA[As we test our capabilities and build the most comprehensive personal finance site on the internet, please be patient. We will be adding content every day. If you would like to join our contact list and be the first to know when we are fully functional, please email our publisher at info@tristanpublishinginc.com.
Want to be a [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/04/personal-finance-times-under-construction/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Mortgage News</title>
		<link>http://personalfinancetimes.com/2007/10/04/news/</link>
		<comments>http://personalfinancetimes.com/2007/10/04/news/#comments</comments>
		<pubDate>Thu, 04 Oct 2007 13:52:56 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=31</guid>
		<description><![CDATA[

























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/04/news/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Basics</title>
		<link>http://personalfinancetimes.com/2007/09/30/the-basics/</link>
		<comments>http://personalfinancetimes.com/2007/09/30/the-basics/#comments</comments>
		<pubDate>Mon, 01 Oct 2007 05:55:16 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=22</guid>
		<description><![CDATA[
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/09/30/the-basics/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Looking for Golf Contributor</title>
		<link>http://personalfinancetimes.com/2007/09/30/looking-for-golf-contributor/</link>
		<comments>http://personalfinancetimes.com/2007/09/30/looking-for-golf-contributor/#comments</comments>
		<pubDate>Sun, 30 Sep 2007 20:13:53 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=23</guid>
		<description><![CDATA[To establish your self as a golf expert, apply to be the PersonalFinancetimes.com Golf Contributor. Email Brandi Jo Newman your resume, contributing article with images and/or video to be considered as one of our valued experts on golf.
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/09/30/looking-for-golf-contributor/feed/</wfw:commentRss>
		</item>
		<item>
		<title>To pay cash or not to pay cash..? that is the question</title>
		<link>http://personalfinancetimes.com/2007/09/29/to-pay-cash-or-not-to-pay-cash-that-is-the-question/</link>
		<comments>http://personalfinancetimes.com/2007/09/29/to-pay-cash-or-not-to-pay-cash-that-is-the-question/#comments</comments>
		<pubDate>Sun, 30 Sep 2007 02:39:53 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=16</guid>
		<description><![CDATA[Should you sell to purchase or purchase to sell?]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/09/29/to-pay-cash-or-not-to-pay-cash-that-is-the-question/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Recovering College Expenses</title>
		<link>http://personalfinancetimes.com/2007/09/29/recovering-college-expenses/</link>
		<comments>http://personalfinancetimes.com/2007/09/29/recovering-college-expenses/#comments</comments>
		<pubDate>Sun, 30 Sep 2007 00:34:05 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=20</guid>
		<description><![CDATA[You saved all that money for 18 years just to watch your beloved child go off to that overpriced university and spend it all in just 4.5 years.  Wouldn&#8217;t you like to get at least some of that money back? I&#8217;m not talking about about your pride and joy paying you back. I am speaking [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/09/29/recovering-college-expenses/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Problems with Traditional Financial Planning</title>
		<link>http://personalfinancetimes.com/2007/09/28/problems-with-traditional-financial-planning/</link>
		<comments>http://personalfinancetimes.com/2007/09/28/problems-with-traditional-financial-planning/#comments</comments>
		<pubDate>Fri, 28 Sep 2007 19:59:31 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=17</guid>
		<description><![CDATA[&#8220;Let&#8217;s see here,&#8221; your starchy, white haired, typical male CFP says.
&#8220;Your family has X amount of money in savings. Your household gross income is X. Your house is worth X, with a X mortgage. You have X children and planning on having another in the next X years. Social Security will be X at age 67 (if [...]]]></description>
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		<item>
		<title>The secret to losing the weight you want to lose</title>
		<link>http://personalfinancetimes.com/2007/09/28/you-are-what-you-eat/</link>
		<comments>http://personalfinancetimes.com/2007/09/28/you-are-what-you-eat/#comments</comments>
		<pubDate>Fri, 28 Sep 2007 19:32:54 +0000</pubDate>
		<dc:creator>Claudia P Ramirez</dc:creator>
		
		<category><![CDATA[Vault]]></category>

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		<description><![CDATA[EAT RIGHT! It&#8217;s not rocket science&#8230;  Eat more than you burn, you gain weight; eat less than you burn, you lose weight.
]]></description>
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