<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress/2.2.1" -->
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	>

<channel>
	<title>Personal Finance Times</title>
	<link>http://personalfinancetimes.com</link>
	<description>Financial Insights by Experts</description>
	<pubDate>Mon, 17 Nov 2008 17:23:04 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.2.1</generator>
	<language>en</language>
			<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>3 Steps to Creating the Wealth You Deserve</title>
		<link>http://personalfinancetimes.com/2008/11/10/3-steps-to-creating-the-wealth-you-deserve/</link>
		<comments>http://personalfinancetimes.com/2008/11/10/3-steps-to-creating-the-wealth-you-deserve/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 20:03:38 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/11/10/3-steps-to-creating-the-wealth-you-deserve/</guid>
		<description><![CDATA[
Powered by Wufoo
 Step #2:
Read the book.
Step #3:
Begin implementation of the Infinite Banking System.
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/11/10/3-steps-to-creating-the-wealth-you-deserve/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Becoming Your Own Banker</title>
		<link>http://personalfinancetimes.com/2008/11/09/becoming-your-own-banker/</link>
		<comments>http://personalfinancetimes.com/2008/11/09/becoming-your-own-banker/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 04:02:34 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/11/09/becoming-your-own-banker/</guid>
		<description><![CDATA[Nelson Nash’s extraordinary book Becoming Your Own Banker: The Infinite Banking Concept, is a revolutionary life-changing financial message that focuses on the importance and power of banking. This book has given thousands of people new financial insights, shown them some of the extraordinary benefits of creating your own banking system using the mechanisms inherent in [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/11/09/becoming-your-own-banker/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 a good thing and helps [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/10/26/why-did-you-adopt-the-infinite-banking-concept/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Expense Reduction Tip: Go Green</title>
		<link>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-go-green/</link>
		<comments>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-go-green/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 02:23:58 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Expense Reduction Plans]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-go-green/</guid>
		<description><![CDATA[ 
  






Go Green. 
Get  rid of your financial clutter. 




Download Pro for Mac  &#124; Simple Start Plus&#124; Point of Sale
Download QuickBooks Pro &#124; QuickBooks Premier



Eco-nomically omitting the junk 





Which QuickBooks product is right for me?


Which Financial Software is right for my industry?


 I&#8217;m new to QuickBooks. Show me around. 





Summary: A QuickBooks [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-go-green/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Expense Reduction Tip: 39DollarGlasses.com</title>
		<link>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-39dollarglassescom/</link>
		<comments>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-39dollarglassescom/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 02:08:47 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Expense Reduction Plans]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-39dollarglassescom/</guid>
		<description><![CDATA[

39DollarGlasses is the most recognized and trusted name for prescription eyeglasses and sunglasses. We pioneered the idea of buying eyeglasses online, at savings of 70% below retail. Thousands of happy customers, feedback has earned us the prestigious 5-Star rating in Yahoo! Shopping.


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/10/03/expense-reduction-tip-39dollarglassescom/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Discover cFares</title>
		<link>http://personalfinancetimes.com/2008/10/03/discover-cfares/</link>
		<comments>http://personalfinancetimes.com/2008/10/03/discover-cfares/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 01:47:10 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Expense Reduction Plans]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/10/03/discover-cfares/</guid>
		<description><![CDATA[

        function submitDollor1ConfirmPicForm() {             	document.dollor1search.actionId.value = "8"; 	  	document.dollor1search.action="/registration.cfr"; 	    document.dollor1search.submit(); }           	         
 [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/10/03/discover-cfares/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 Golf for Women in Business</title>
		<link>http://personalfinancetimes.com/2008/09/15/register-for-dallas-golf-networking-event/</link>
		<comments>http://personalfinancetimes.com/2008/09/15/register-for-dallas-golf-networking-event/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 22:30:04 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Golf for Women in Business]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/15/register-for-dallas-golf-networking-event/</guid>
		<description><![CDATA[Fill out my Wufoo form!
Powered by Wufoo
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/15/register-for-dallas-golf-networking-event/feed/</wfw:commentRss>
		</item>
		<item>
		<title>30yr 15yr, 1yr ARM Rates</title>
		<link>http://personalfinancetimes.com/2008/09/15/30yr-15yr-1yr-arm-rates/</link>
		<comments>http://personalfinancetimes.com/2008/09/15/30yr-15yr-1yr-arm-rates/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 16:12:12 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Mortgage Rates]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/15/30yr-15yr-1yr-arm-rates/</guid>
		<description><![CDATA[


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/15/30yr-15yr-1yr-arm-rates/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A note about Viatical and Life Settlements</title>
		<link>http://personalfinancetimes.com/2008/09/15/a-note-about-viatical-and-life-settlements/</link>
		<comments>http://personalfinancetimes.com/2008/09/15/a-note-about-viatical-and-life-settlements/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 13:40:45 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Good to Know]]></category>

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

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

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

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/04/a-note-about-viatical-and-life-settlements/</guid>
		<description><![CDATA[

I was recently invited to a luncheon hosted by a company introducing prospective investors to the concept of investing in the purchase of life insurance policies that are being sold from their original owner to third party investors by way of Viatical and Life Settlements. What follows is the result of research obtained through numerous [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/15/a-note-about-viatical-and-life-settlements/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>30 Minute Golf Lesson from Brandi Jo</title>
		<link>http://personalfinancetimes.com/2008/09/11/30-minute-golf-lesson-from-brandi-jo/</link>
		<comments>http://personalfinancetimes.com/2008/09/11/30-minute-golf-lesson-from-brandi-jo/#comments</comments>
		<pubDate>Thu, 11 Sep 2008 07:15:00 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/09/11/30-minute-golf-lesson-from-brandi-jo/</guid>
		<description><![CDATA[Register by clicking on the button below. Watch an 11 minute video about the Infinite Banking Concept and get a 30 minute golf lesson. It&#8217;s that simple. If you would like more than just a 30 minute lesson. Go to Play Golf with Brandi Jo and register for a complimentary round of golf and learn [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/09/11/30-minute-golf-lesson-from-brandi-jo/feed/</wfw:commentRss>
		</item>
		<item>
		<title>In the Central Valley, the Ruins of the Housing Bust</title>
		<link>http://personalfinancetimes.com/2008/08/24/in-the-central-valley-the-ruins-of-the-housing-bust/</link>
		<comments>http://personalfinancetimes.com/2008/08/24/in-the-central-valley-the-ruins-of-the-housing-bust/#comments</comments>
		<pubDate>Sun, 24 Aug 2008 16:38:20 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Good to Know]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/08/24/in-the-central-valley-the-ruins-of-the-housing-bust/</guid>
		<description><![CDATA[

CASH is king in Merced, CA Take a look at what I think is the result of people believing that prosperity will last forever.The experience of Merced, Calif., suggests that recovery from the national real estate debacle will be painful and protracted.
    
View Original Article
Blogged with the Flock Browser

Tags: realestate,  banking

]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/08/24/in-the-central-valley-the-ruins-of-the-housing-bust/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>To pay a fee or not to pay a fee? That is the question</title>
		<link>http://personalfinancetimes.com/2008/07/18/to-pay-a-fee-or-not-to-pay-a-fee-that-is-the-question/</link>
		<comments>http://personalfinancetimes.com/2008/07/18/to-pay-a-fee-or-not-to-pay-a-fee-that-is-the-question/#comments</comments>
		<pubDate>Fri, 18 Jul 2008 14:31:32 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[What do you want do?]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/07/18/to-pay-a-fee-or-not-to-pay-a-fee-that-is-the-question/</guid>
		<description><![CDATA[Paying a fee for financial planning is just that&#8230; a cost. It costs money to get a financial plan from a fee-based financial adviser. What are they advising you on? You pay on average $1,200 to $2,500 for the &#8216;plan&#8217; then around $1,000 a year til you find out that the plan you bought doesn&#8217;t [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/07/18/to-pay-a-fee-or-not-to-pay-a-fee-that-is-the-question/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>Metlife film about how insurance works</title>
		<link>http://personalfinancetimes.com/2008/07/06/metlife-film-about-how-insurance-works/</link>
		<comments>http://personalfinancetimes.com/2008/07/06/metlife-film-about-how-insurance-works/#comments</comments>
		<pubDate>Sun, 06 Jul 2008 16:07:11 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Video]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/07/06/metlife-film-about-how-insurance-works/</guid>
		<description><![CDATA[
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/07/06/metlife-film-about-how-insurance-works/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Video: Top Stories</title>
		<link>http://personalfinancetimes.com/2008/06/20/video-top-stories/</link>
		<comments>http://personalfinancetimes.com/2008/06/20/video-top-stories/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 04:52:48 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/06/20/video-top-stories/</guid>
		<description><![CDATA[
]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/06/20/video-top-stories/feed/</wfw:commentRss>
		</item>
		<item>
		<title>New Tax Laws and IRS Audits Heat Up the Summer</title>
		<link>http://personalfinancetimes.com/2008/06/20/new-tax-laws-and-irs-audits-heat-up-the-summer/</link>
		<comments>http://personalfinancetimes.com/2008/06/20/new-tax-laws-and-irs-audits-heat-up-the-summer/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 04:48:00 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/06/20/new-tax-laws-and-irs-audits-heat-up-the-summer/</guid>
		<description><![CDATA[
Hi Friend:
The past two weeks have been  crazy if you’re an investor or business owner. Here are some of the  highlights of what we’ve been  talking about at the First  Class Lounge forum:
-          The New  TrustSandwich – Why Everyone With Real Estate Needs One
-          Congress  Sneak a New “Exit” [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/06/20/new-tax-laws-and-irs-audits-heat-up-the-summer/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Whose Side Is Your CPA On?</title>
		<link>http://personalfinancetimes.com/2008/06/20/whose-side-is-your-cpa-on/</link>
		<comments>http://personalfinancetimes.com/2008/06/20/whose-side-is-your-cpa-on/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 04:46:03 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/06/20/whose-side-is-your-cpa-on/</guid>
		<description><![CDATA[
Hi Friend:
 
Do you ever get the sinking feeling that maybe your advisors aren’t paying as much  attention to you as you’d like?  Or that you spend more time educating your  advisors then they spend educating you?

 
If you’re tired of paying too much in taxes, trying  to lead a team that isn’t quite [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/06/20/whose-side-is-your-cpa-on/feed/</wfw:commentRss>
		</item>
		<item>
		<title>FREE Teleseminar on the New Best Thing in Real Estate</title>
		<link>http://personalfinancetimes.com/2008/06/20/free-teleseminar-on-the-new-best-thing-in-real-estate/</link>
		<comments>http://personalfinancetimes.com/2008/06/20/free-teleseminar-on-the-new-best-thing-in-real-estate/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 04:42:43 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/06/20/free-teleseminar-on-the-new-best-thing-in-real-estate/</guid>
		<description><![CDATA[Hi Friend
 
Many of you received my prior e-mail  regarding Bill Shopoff’s new stock offering for Shopoff Properties Trust. I have  included the prior e-mail below to refresh your memory, as well as to cover the  required regulatory disclosures. In fact, over 1,000 of you watched his  presentation within a few days [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/06/20/free-teleseminar-on-the-new-best-thing-in-real-estate/feed/</wfw:commentRss>
		</item>
		<item>
		<title>10 Strategies to Bounce Back</title>
		<link>http://personalfinancetimes.com/2008/06/20/10-strategies-to-bounce-back/</link>
		<comments>http://personalfinancetimes.com/2008/06/20/10-strategies-to-bounce-back/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 04:41:37 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/06/20/10-strategies-to-bounce-back/</guid>
		<description><![CDATA[ 
&#160;

 
&#160;

Hi  Friend:
 
The past few  months have to be something for the record books. We’ve had unbelievable  increases in gas prices, rice rationing, horrible flooding in our heartland and  continuing foreclosures. Yet, still, our nation is one of the world’s  wealthiest. If you have money in your pocket you [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/06/20/10-strategies-to-bounce-back/feed/</wfw:commentRss>
		</item>
		<item>
		<title>IDEA: What next?</title>
		<link>http://personalfinancetimes.com/2008/05/24/idea-what-next/</link>
		<comments>http://personalfinancetimes.com/2008/05/24/idea-what-next/#comments</comments>
		<pubDate>Sun, 25 May 2008 04:23:42 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[What do you want do?]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/05/24/idea-what-next/</guid>
		<description><![CDATA[So you have a brilliant business idea that will impact people&#8217;s lives.
The first question that some ask is, &#8220;how much money can you make?&#8221;
The second is usually, &#8220;how do you make it work?&#8221;
When I was in between dreams, I was consulted by the same person for two different paths. There was one thing in common [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/05/24/idea-what-next/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy&#8217;s Tax Loopholes</title>
		<link>http://personalfinancetimes.com/2008/04/29/diane-kennedys-tax-loopholes/</link>
		<comments>http://personalfinancetimes.com/2008/04/29/diane-kennedys-tax-loopholes/#comments</comments>
		<pubDate>Tue, 29 Apr 2008 13:55:25 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/04/29/diane-kennedys-tax-loopholes/</guid>
		<description><![CDATA[ 
Hi  Friend:
 
The way we  do anything is the way we do everything.
 
I heard that  this past Sunday and it really struck me.    In fact, I realized that it is really the basic truth of predicting your  (or anybody’s) financial future.  The way  you do anything is the way [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/04/29/diane-kennedys-tax-loopholes/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Camp Prosper</title>
		<link>http://personalfinancetimes.com/2008/04/08/money-camp/</link>
		<comments>http://personalfinancetimes.com/2008/04/08/money-camp/#comments</comments>
		<pubDate>Wed, 09 Apr 2008 01:00:01 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/04/08/money-camp/</guid>
		<description><![CDATA[We parents need to put money systems in place for our future generations to appreciate, enjoy and propser independently. Your future millionaire children will learn how to capitalize a company, structure joint ventures, leverage debt, exercise securities/trades, and study asset allocation.
Once a week for six weeks every fall, girls ages 8 to 12 will learn money strategies, [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/04/08/money-camp/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy: Tax Loopholes</title>
		<link>http://personalfinancetimes.com/2008/04/07/tax-looph/</link>
		<comments>http://personalfinancetimes.com/2008/04/07/tax-looph/#comments</comments>
		<pubDate>Mon, 07 Apr 2008 13:05:32 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/04/07/tax-looph/</guid>
		<description><![CDATA[
Hi Friend:
We’ve had an interesting past few days at TaxLoopholes.  Our VPN (Virtual Private Network) finally reached capacity and said “no more!”  Of course, we’ve known that was going to happen for the past 6 months, but it was always a case of “just a little longer.”   
We finally got the new server installed and [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/04/07/tax-looph/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax Loopholes</title>
		<link>http://personalfinancetimes.com/2008/04/06/tax-loopholes/</link>
		<comments>http://personalfinancetimes.com/2008/04/06/tax-loopholes/#comments</comments>
		<pubDate>Sun, 06 Apr 2008 12:43:07 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/04/06/tax-loopholes/</guid>
		<description><![CDATA[

Hi  Friend:
I’m writing  this from our beautiful condo in San  Diego (in the La Playa district). There have been a lot  of changes going on behind the scenes at Tax Loopholes and DKA (my CPA  practice). I’ve heard it said that the biggest advantage that a small business  has [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/04/06/tax-loopholes/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>Diane Kennedy Loopholes Update</title>
		<link>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-4/</link>
		<comments>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-4/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 21:17:18 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-4/</guid>
		<description><![CDATA[ 
&#160;

 
Hi Friend:
 
I had another email all set to go  today, and scrapped it after seeing the news this morning.  We’ve had day after day of sound bytes from  Wall Street and economic analysts.  It’s  all doom and gloom with the only hope being a government bailout.  [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-4/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy Loopholes Update</title>
		<link>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-3/</link>
		<comments>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-3/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 21:16:36 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-3/</guid>
		<description><![CDATA[Hi Friend:
 
I’m writing this on Tuesday, the day of a major primary in a number of  states. I was struck by the poignant stories I heard this morning on the news,  especially from Ohio residents. They talked about how there was no hope that  their grandchildren would have the lifestyle that [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-3/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy Loopholes Update</title>
		<link>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-2/</link>
		<comments>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-2/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 21:16:01 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-2/</guid>
		<description><![CDATA[
Hi Friend:
 
Richard &#38; I are taking a  little time off in San  Diego before my big seminar next week.  We ended up changing the seminar to include a  separate part on our new personal challenge “How to Make a Million Dollars in  Two Years or Less Using Business Assets [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message-2/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy Loopholes Update</title>
		<link>http://personalfinancetimes.com/2008/03/19/dian/</link>
		<comments>http://personalfinancetimes.com/2008/03/19/dian/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 21:14:38 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax History]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/19/dian/</guid>
		<description><![CDATA[Hi Friend:
 
Like the saying goes, &#8220;the best  laid plans of mice and men …&#8221; pretty much sums up the 3-day weekend at the  Kennedy-Cooley household. We were supposed to take 36 people to Juarez, MX on a  massive mission trip. We had 2 vans of teenagers (as part of our son [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/19/dian/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Diane Kennedy Loopholes Update</title>
		<link>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message/</link>
		<comments>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 21:13:56 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Tax Strategies]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message/</guid>
		<description><![CDATA[Most  of the US celebrates Jan 1 as the beginning of the New Year. But a lot of the  rest of the world recognized February 7th as the beginning of the  Chinese New Year.
 
My  husband Richard lived in Hong Kong for a time during his micro-electronic career  and I [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/19/diane-kennedy-weekly-message/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Play Golf with Brandi Jo</title>
		<link>http://personalfinancetimes.com/2008/03/17/free-golf-with-brandi-jo/</link>
		<comments>http://personalfinancetimes.com/2008/03/17/free-golf-with-brandi-jo/#comments</comments>
		<pubDate>Mon, 17 Mar 2008 12:51:47 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Golf]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/17/free-golf-with-brandi-jo/</guid>
		<description><![CDATA[Join Brandi Jo for a round of golf as she educates you about her business. Send email to mail@brandijonewman.com or call (210) 391 9974 to get on the tee sheet.
No sales pitches, no obligation to do anything but to have an open, honest discussion about your dreams and goals.




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/17/free-golf-with-brandi-jo/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>Laws and Deregulation</title>
		<link>http://personalfinancetimes.com/2008/03/07/laws-and-deregulation/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/laws-and-deregulation/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 14:55:06 +0000</pubDate>
		<dc:creator>Thomas Young</dc:creator>
		
		<category><![CDATA[Tax History]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/laws-and-deregulation/</guid>
		<description><![CDATA[Much of the writings on this web site are based on the perception that you can create more wealth in your life by holding onto and controlling the cash that flows through your hands than by buying investment and savings vehicles and letting the money work by accumulation theory. Knowing some history of how financial [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/laws-and-deregulation/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax Information</title>
		<link>http://personalfinancetimes.com/2008/03/07/tax-information/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/tax-information/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 14:48:18 +0000</pubDate>
		<dc:creator>Thomas Young</dc:creator>
		
		<category><![CDATA[Tax History]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/tax-information/</guid>
		<description><![CDATA[Much of the writings on this web site are based on the perception that you can create more wealth in your life by holding onto and controlling the cash that flows through your hands than by buying investment and savings vehicles and letting the money work by accumulation theory. Knowing some history of how financial [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/tax-information/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax History</title>
		<link>http://personalfinancetimes.com/2008/03/07/tax-history/</link>
		<comments>http://personalfinancetimes.com/2008/03/07/tax-history/#comments</comments>
		<pubDate>Fri, 07 Mar 2008 14:46:48 +0000</pubDate>
		<dc:creator>Thomas Young</dc:creator>
		
		<category><![CDATA[Tax History]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/07/tax-history/</guid>
		<description><![CDATA[Many people do not know the history of taxation in the US. Taxes started in about 1913 as an asset tax. When you owned property you paid tax on the value. This was about the time that the very rich started to transfer their assets to different types of trusts to avoid this tax. World [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/07/tax-history/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Are we in a recession?</title>
		<link>http://personalfinancetimes.com/2008/03/05/are-we-in-a-recession/</link>
		<comments>http://personalfinancetimes.com/2008/03/05/are-we-in-a-recession/#comments</comments>
		<pubDate>Wed, 05 Mar 2008 09:15:49 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Tax History]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/2008/03/05/are-we-in-a-recession/</guid>
		<description><![CDATA[I’m writing this on Tuesday, the day of a major primary in a number of  states. I was struck by the poignant stories I heard this morning on the news,  especially from Ohio residents. They talked about how there was no hope that  their grandchildren would have the lifestyle that they did. [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/03/05/are-we-in-a-recession/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>New Federal Laws Can Help the Public but Hurt Businesses</title>
		<link>http://personalfinancetimes.com/2008/02/27/new-federal-laws-can-help-the-public-but-hurt-businesses/</link>
		<comments>http://personalfinancetimes.com/2008/02/27/new-federal-laws-can-help-the-public-but-hurt-businesses/#comments</comments>
		<pubDate>Wed, 27 Feb 2008 22:06:53 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=157</guid>
		<description><![CDATA[There is a set of laws which went into effect on January 1st 2008 called the Red Flag Rules.  The Red Flag Rules are part of the FACTA law.  This law is about much more than getting a free credit report or only showing the last four numbers on credit card receipts.  It&#8217;s all about [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/27/new-federal-laws-can-help-the-public-but-hurt-businesses/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Seniors Being Targeted Though Medicare Part D</title>
		<link>http://personalfinancetimes.com/2008/02/18/seniors-being-targeted-though-medicare-part-d/</link>
		<comments>http://personalfinancetimes.com/2008/02/18/seniors-being-targeted-though-medicare-part-d/#comments</comments>
		<pubDate>Mon, 18 Feb 2008 16:38:45 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=156</guid>
		<description><![CDATA[The March 2008 issue of Kiplinger&#8217;s Magazine carries an article all seniors should read about Unscrupulous insurance agents, scammers and identity thieves targeting seniors through the Medicare Part D benefit.  Part D can be confusing and these individuals are taking advantage of that confusion to sell unnecessary or bogus benefits to seniors.  Identity [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/18/seniors-being-targeted-though-medicare-part-d/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Taxes, Scams and Identity Theft</title>
		<link>http://personalfinancetimes.com/2008/02/15/taxes-scams-and-identity-theft/</link>
		<comments>http://personalfinancetimes.com/2008/02/15/taxes-scams-and-identity-theft/#comments</comments>
		<pubDate>Fri, 15 Feb 2008 15:54:09 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=155</guid>
		<description><![CDATA[Tax time is here, and unfortunately many cases of identity theft and scams are attached to our Tax Reporting ID number also known as our Social Security number.
A Social Security number is needed to secure employment in the U.S., therefore undocumented workers are using stolen social security numbers to get jobs.  A stolen social security [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/15/taxes-scams-and-identity-theft/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>Hidden Treasure</title>
		<link>http://personalfinancetimes.com/2008/02/07/hidden-treasure/</link>
		<comments>http://personalfinancetimes.com/2008/02/07/hidden-treasure/#comments</comments>
		<pubDate>Thu, 07 Feb 2008 14:34:59 +0000</pubDate>
		<dc:creator>Mike Ford</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=148</guid>
		<description><![CDATA[If you found a hidden treasure, what would you do? Would you pay off credit cards, your vehicle(s), or maybe invest in something? You just might have a hidden treasure in your home at this very moment.
It is simple; first you need a desire to save money. Second, you need a no-cost analysis from an [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/07/hidden-treasure/feed/</wfw:commentRss>
		</item>
		<item>
		<title>This week a serious subject</title>
		<link>http://personalfinancetimes.com/2008/02/07/this-week-a-serious-subject/</link>
		<comments>http://personalfinancetimes.com/2008/02/07/this-week-a-serious-subject/#comments</comments>
		<pubDate>Thu, 07 Feb 2008 14:12:08 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=147</guid>
		<description><![CDATA[This week&#8217;s first article concerns the National Marrow Donor Program.  This is stunning information, I only learned about the staggering need two weeks ago.  Yes I am listed as a donor.  Being a donor can save a life.  Please read this article and reflect on how important you are to this program.
You can also preview [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2008/02/07/this-week-a-serious-subject/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Financial Institution?</title>
		<link>http://personalfinancetimes.com/2007/12/26/financial-institution/</link>
		<comments>http://personalfinancetimes.com/2007/12/26/financial-institution/#comments</comments>
		<pubDate>Wed, 26 Dec 2007 20:39:07 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=145</guid>
		<description><![CDATA[The Red Flag Rule takes effect on January 1st 2008.  All entities identified as &#8220;Financial institutions&#8221; will be required to comply with the new rule by November 2008.  Many companies will fail to do so.  This failure will not be due to ingoring the law but due lack of understanding of what a &#8220;financial institution [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/26/financial-institution/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Money Watch</title>
		<link>http://personalfinancetimes.com/2007/12/26/video-money-watch/</link>
		<comments>http://personalfinancetimes.com/2007/12/26/video-money-watch/#comments</comments>
		<pubDate>Wed, 26 Dec 2007 15:45:19 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=144</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/26/video-money-watch/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Year-End Finance Tips</title>
		<link>http://personalfinancetimes.com/2007/12/26/video-year-end-finance-tips/</link>
		<comments>http://personalfinancetimes.com/2007/12/26/video-year-end-finance-tips/#comments</comments>
		<pubDate>Wed, 26 Dec 2007 15:43:41 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=143</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/26/video-year-end-finance-tips/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Seven Reasons Why Disability Insurance Will Increase Revenues For Businesses</title>
		<link>http://personalfinancetimes.com/2007/12/26/seven-reasons-why-disability-insurance-will-increase-revenues-for-businesses/</link>
		<comments>http://personalfinancetimes.com/2007/12/26/seven-reasons-why-disability-insurance-will-increase-revenues-for-businesses/#comments</comments>
		<pubDate>Wed, 26 Dec 2007 15:39:42 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=142</guid>
		<description><![CDATA[The primary reason businesses are created is to create revenue for it owners. There could be a single owner or many owners like a corporation. These businesses are always looking for ways to increase revenue. I will explain in this article seven reasons how disability insurance can increase revenue for a business.
The first reason is [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/26/seven-reasons-why-disability-insurance-will-increase-revenues-for-businesses/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: 5 Ways to get out of debt faster</title>
		<link>http://personalfinancetimes.com/2007/12/14/video-5-ways-to-get-out-of-debt-faster/</link>
		<comments>http://personalfinancetimes.com/2007/12/14/video-5-ways-to-get-out-of-debt-faster/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 15:18:32 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=141</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/14/video-5-ways-to-get-out-of-debt-faster/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Navigating Open Enrollment</title>
		<link>http://personalfinancetimes.com/2007/12/14/video-navigating-open-enrollment/</link>
		<comments>http://personalfinancetimes.com/2007/12/14/video-navigating-open-enrollment/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 15:15:53 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=140</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/12/14/video-navigating-open-enrollment/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>VIDEO: Taxes: Mixing Business with Pleasure</title>
		<link>http://personalfinancetimes.com/2007/11/26/video-taxes-mixing-business-with-pleasure/</link>
		<comments>http://personalfinancetimes.com/2007/11/26/video-taxes-mixing-business-with-pleasure/#comments</comments>
		<pubDate>Mon, 26 Nov 2007 19:33:41 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=138</guid>
		<description><![CDATA[Looking for a good deal for you and your small business? Then do a little sales work on your personal business as well.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/26/video-taxes-mixing-business-with-pleasure/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Monty Python, Politically incorrect, irreverent and Visionary!</title>
		<link>http://personalfinancetimes.com/2007/11/26/monty-python-politically-incorrect-irreverent-and-visionary/</link>
		<comments>http://personalfinancetimes.com/2007/11/26/monty-python-politically-incorrect-irreverent-and-visionary/#comments</comments>
		<pubDate>Mon, 26 Nov 2007 19:29:18 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=137</guid>
		<description><![CDATA[How many of you are Monty Python fans?  In 1979 they released a movie about identity theft.  We didn&#8217;t know what identity theft was then but we do know now.  That movie was &#8220;Life of Brian.&#8221;
Brain is basically a a normal Judean with a big problem.  He is contamtly mistaken for the Messiah.  Beginning at [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/26/monty-python-politically-incorrect-irreverent-and-visionary/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Employers Encouraging Fitness</title>
		<link>http://personalfinancetimes.com/2007/11/11/video-employers-encouraging-fitness/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/video-employers-encouraging-fitness/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 17:42:51 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=136</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/video-employers-encouraging-fitness/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Seven Ways to Take Control of Your 2007 Tax Bill</title>
		<link>http://personalfinancetimes.com/2007/11/11/seven-ways-to-take-control-of-your-2007-tax-bill/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/seven-ways-to-take-control-of-your-2007-tax-bill/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:47:30 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=135</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/seven-ways-to-take-control-of-your-2007-tax-bill/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Democrats to move to restrain creeping Alternative Minimum Tax</title>
		<link>http://personalfinancetimes.com/2007/11/11/democrats-to-move-to-restrain-creeping-alternative-minimum-tax/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/democrats-to-move-to-restrain-creeping-alternative-minimum-tax/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:17:29 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=133</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/democrats-to-move-to-restrain-creeping-alternative-minimum-tax/feed/</wfw:commentRss>
		</item>
		<item>
		<title>An Industry First: New Cooper Health Company Makes Group Employee Benefits Consulting and Wellness Program Design a Package Deal</title>
		<link>http://personalfinancetimes.com/2007/11/11/an-industry-first-new-cooper-health-company-makes-group-employee-benefits-consulting-and-wellness-program-design-a-package-deal/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/an-industry-first-new-cooper-health-company-makes-group-employee-benefits-consulting-and-wellness-program-design-a-package-deal/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:11:15 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=132</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/an-industry-first-new-cooper-health-company-makes-group-employee-benefits-consulting-and-wellness-program-design-a-package-deal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A Longer-Living, Healthier Mouse That Could Hold Clues To Human Aging</title>
		<link>http://personalfinancetimes.com/2007/11/11/a-longer-living-healthier-mouse-that-could-hold-clues-to-human-aging/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/a-longer-living-healthier-mouse-that-could-hold-clues-to-human-aging/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:08:51 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=131</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/a-longer-living-healthier-mouse-that-could-hold-clues-to-human-aging/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Poker Tournament Winnings Must be Reported to the IRS</title>
		<link>http://personalfinancetimes.com/2007/11/11/poker-tournament-winnings-must-be-reported-to-the-irs/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/poker-tournament-winnings-must-be-reported-to-the-irs/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:07:20 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=130</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/poker-tournament-winnings-must-be-reported-to-the-irs/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Minimizing Impact of Dollar&#8217;s Decline</title>
		<link>http://personalfinancetimes.com/2007/11/11/video-minimizing-impact-of-dollars-decline/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/video-minimizing-impact-of-dollars-decline/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:05:25 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Video]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=129</guid>
		<description><![CDATA[Getting Going columnist Jonathan Clements debuts his video column. He responds to reader mail about how to hedge against the declining dollar and advises investing 30% of your portfolio in foreign mutual funds.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/video-minimizing-impact-of-dollars-decline/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax Planning for 2007, 2008 Must Deal With Uncertainty, CCH Says</title>
		<link>http://personalfinancetimes.com/2007/11/11/tax-planning-for-2007-2008-must-deal-with-uncertainty-cch-says/</link>
		<comments>http://personalfinancetimes.com/2007/11/11/tax-planning-for-2007-2008-must-deal-with-uncertainty-cch-says/#comments</comments>
		<pubDate>Sun, 11 Nov 2007 16:02:17 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=128</guid>
		<description><![CDATA[




]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/11/tax-planning-for-2007-2008-must-deal-with-uncertainty-cch-says/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>Limiting Your Liability as an Identity Theft Victim</title>
		<link>http://personalfinancetimes.com/2007/11/09/limiting-your-liability-as-an-identity-theft-victim/</link>
		<comments>http://personalfinancetimes.com/2007/11/09/limiting-your-liability-as-an-identity-theft-victim/#comments</comments>
		<pubDate>Fri, 09 Nov 2007 18:43:36 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=123</guid>
		<description><![CDATA[by Cheryl Baumgartner
How many times have you seen a commercial saying, &#8220;You won&#8217;t be held liable for fraudulent charges&#8221;?  Is this a true statement?  The answer is yes and no.  It&#8217;s important that you understand what your liability is and the steps you need to take to limit them.
The Federal Trade Commission has a wealth [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/11/09/limiting-your-liability-as-an-identity-theft-victim/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: How a weak dollar weakens you</title>
		<link>http://personalfinancetimes.com/2007/10/29/video-how-a-weak-dollar-weakens-you/</link>
		<comments>http://personalfinancetimes.com/2007/10/29/video-how-a-weak-dollar-weakens-you/#comments</comments>
		<pubDate>Mon, 29 Oct 2007 13:18:19 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Video]]></category>

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

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

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=119</guid>
		<description><![CDATA[The US dollar has fallen to historic lows against the Euro and other world currencies. And it&#8217;s not just a sign of the times&#8230; it may be a sign that you should do something.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/29/video-how-a-weak-dollar-weakens-you/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: 2006-2007 Acura</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-2006-2007-acura/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-2006-2007-acura/#comments</comments>
		<pubDate>Fri, 26 Oct 2007 05:03:58 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=114</guid>
		<description><![CDATA[


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-2006-2007-acura/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: 2006-2007 European Models</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-2006-2007-european-models/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-2006-2007-european-models/#comments</comments>
		<pubDate>Fri, 26 Oct 2007 05:00:18 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=113</guid>
		<description><![CDATA[


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-2006-2007-european-models/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Expensive Import Cars</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-expensive-import-cars/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-expensive-import-cars/#comments</comments>
		<pubDate>Fri, 26 Oct 2007 04:54:37 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=112</guid>
		<description><![CDATA[


]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-expensive-import-cars/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Suzuki Motorcycles</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles-2/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles-2/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 19:03:10 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=111</guid>
		<description><![CDATA[

























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-suzuki-motorcycles-2/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>VIDEO: Callaway&#8217;s Competitive Strategies</title>
		<link>http://personalfinancetimes.com/2007/10/25/video-callaways-competitive-strategies/</link>
		<comments>http://personalfinancetimes.com/2007/10/25/video-callaways-competitive-strategies/#comments</comments>
		<pubDate>Thu, 25 Oct 2007 18:15:47 +0000</pubDate>
		<dc:creator>Brandi Jo Newman</dc:creator>
		
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=105</guid>
		<description><![CDATA[Callaway Golf CEO George Fellows talks about the company&#8217;s strong quarterly performance and how technology is a driving force for future growth.




























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/25/video-callaways-competitive-strategies/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Saving on Homeowners Insurance</title>
		<link>http://personalfinancetimes.com/2007/10/24/video-saving-on-homeowners-insurance/</link>
		<comments>http://personalfinancetimes.com/2007/10/24/video-saving-on-homeowners-insurance/#comments</comments>
		<pubDate>Wed, 24 Oct 2007 16:52:30 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Video]]></category>

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

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=104</guid>
		<description><![CDATA[Insurance may be necessary, but it doesn&#8217;t have to be expensive. Our money reporter Stacy Johnson has been giving us ways to save on insurance all month. Today he explores homeowners insurance.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/24/video-saving-on-homeowners-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Planning for Retirement</title>
		<link>http://personalfinancetimes.com/2007/10/24/video-planning-for-retirement-2/</link>
		<comments>http://personalfinancetimes.com/2007/10/24/video-planning-for-retirement-2/#comments</comments>
		<pubDate>Wed, 24 Oct 2007 13:05:51 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=103</guid>
		<description><![CDATA[It&#8217;s never too early &#8212; or too late &#8212; to start thinking about retirement planning.Mary Beth Franklin, senior editor of Kiplinger&#8217;s Personal Finance Magazine, discusses the latest retirement guide.





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/24/video-planning-for-retirement-2/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Tips for Funding Your Child&#8217;s College Education</title>
		<link>http://personalfinancetimes.com/2007/10/20/tips-for-funding-your-childs-college-education/</link>
		<comments>http://personalfinancetimes.com/2007/10/20/tips-for-funding-your-childs-college-education/#comments</comments>
		<pubDate>Sun, 21 Oct 2007 03:13:40 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=98</guid>
		<description><![CDATA[(Minneapolis) Bill Hudson talks with Joan Rossi, of the Financial Planning Association of Minnesota (2:36).


























]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/20/tips-for-funding-your-childs-college-education/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>VIDEO: Lessons from Black Monday</title>
		<link>http://personalfinancetimes.com/2007/10/20/video-lessons-from-black-monday/</link>
		<comments>http://personalfinancetimes.com/2007/10/20/video-lessons-from-black-monday/#comments</comments>
		<pubDate>Sat, 20 Oct 2007 15:31:31 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=96</guid>
		<description><![CDATA[Pulitzer Prize winning Wall Street Journal editor Dan Hertzberg remembers the crash he reported on in 1987, its corresponding credit market crises, and the grimmer days that followed Monday&#8217;s drama. (Oct. 16).





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/20/video-lessons-from-black-monday/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Black Monday, Behind the Scenes</title>
		<link>http://personalfinancetimes.com/2007/10/20/video-black-monday-behind-the-scenes/</link>
		<comments>http://personalfinancetimes.com/2007/10/20/video-black-monday-behind-the-scenes/#comments</comments>
		<pubDate>Sat, 20 Oct 2007 15:29:02 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=95</guid>
		<description><![CDATA[Richard Torrenzano, CEO and Chairman of Torrenzano group, remembers the &#8216;87 crash when he was key executive and spokesperson for the NYSE. Kelsey Hubbard has the interview. (Oct. 19).





]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/20/video-black-monday-behind-the-scenes/feed/</wfw:commentRss>
		</item>
		<item>
		<title>VIDEO: Handling an Unexpected Succession</title>
		<link>http://personalfinancetimes.com/2007/10/20/video-handling-an-unexpected-succession/</link>
		<comments>http://personalfinancetimes.com/2007/10/20/video-handling-an-unexpected-succession/#comments</comments>
		<pubDate>Sat, 20 Oct 2007 15:27:00 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=94</guid>
		<description><![CDATA[High Performance Technologies President Timothy P. Keenan on communicating with his employees in the wake of three executives&#8217; deaths. WSJ&#8217;s Simona Covel reports. (Oct. 21).
Use this information for making the right decisions ahead of time instead of when its too late. Mr. Keenan and his partners were smart to have a Business Succession Plan in [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/20/video-handling-an-unexpected-succession/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Preparing for your planning meeting</title>
		<link>http://personalfinancetimes.com/2007/10/16/preparing-for-your-planning-meeting/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/preparing-for-your-planning-meeting/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 13:03:06 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=85</guid>
		<description><![CDATA[No matter what your financial dreams and goals, investing is the way to build wealth to achieve them. But investing is a complex matter, and there&#8217;s a lot you need to know to do it successfully. We can help.
As you consider investing, ask yourself the following questions:




Have you clarified some specific goals for investing, along [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/preparing-for-your-planning-meeting/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Study Shows Owners of Whole Life Insurance Are More Prepared for Retirement</title>
		<link>http://personalfinancetimes.com/2007/10/16/study-shows-owners-of-whole-life-insurance-are-more-prepared-for-retirement/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/study-shows-owners-of-whole-life-insurance-are-more-prepared-for-retirement/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:56:33 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=84</guid>
		<description><![CDATA[NEW YORK, October 9, 2007 — According to research released today by The Guardian Life Insurance Company of America (Guardian), about one-third of Americans either never review their retirement savings or do so once a year or less. The study, Consumer Attitudes: Whole Life Insurance &#38; Retirement, examined retirement preparation views and the role of [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/study-shows-owners-of-whole-life-insurance-are-more-prepared-for-retirement/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Protecting your Business &#8220;Keys&#8221;</title>
		<link>http://personalfinancetimes.com/2007/10/16/protecting-your-business-keys/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/protecting-your-business-keys/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:51:12 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=83</guid>
		<description><![CDATA[If you employ a key person who significantly contributes to the success of your business, have you considered the impact losing him or her could have on your operations? Key person life insurance can help protect your business from the financial consequences of a key employee&#8217;s death. Consider the following hypothetical case study.
Peter Mason, a [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/protecting-your-business-keys/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why Accumulate Assets in Your Life Insurance Policy</title>
		<link>http://personalfinancetimes.com/2007/10/16/why-accumulate-assets-in-your-life-insurance-policy/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/why-accumulate-assets-in-your-life-insurance-policy/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:48:40 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=82</guid>
		<description><![CDATA[The primary purpose of life insurance is to protect your dependents and their standard of living. In a &#8220;permanent&#8221; life insurance policy, such as whole life or universal life, you also can build cash value as part of your personal planning. After cash value accumulates, it can be accessed for liquidity or income needs, including [...]]]></description>
		<wfw:commentRss>http://personalfinancetimes.com/2007/10/16/why-accumulate-assets-in-your-life-insurance-policy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Your Human Life Value May Be More Than You Think</title>
		<link>http://personalfinancetimes.com/2007/10/16/your-human-life-value-may-be-more-than-you-think/</link>
		<comments>http://personalfinancetimes.com/2007/10/16/your-human-life-value-may-be-more-than-you-think/#comments</comments>
		<pubDate>Tue, 16 Oct 2007 12:47:36 +0000</pubDate>
		<dc:creator>PFT</dc:creator>
		
		<category><![CDATA[Vault]]></category>

		<guid isPermaLink="false">http://personalfinancetimes.com/?p=81</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/2007/10/16/your-human-life-value-may-be-more-than-you-think/feed/</wfw:commentRss>
		</item>
	</channel>
</rss>
