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	<title>Personal Finance Advice &#187; J. Alan Maguire</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Social Security Restart: The Little Known Process to get a Larger SS Check Each Month</title>
		<link>http://www.pfadvice.com/2008/10/10/social-security-restart/</link>
		<comments>http://www.pfadvice.com/2008/10/10/social-security-restart/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 11:30:14 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[form 521]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[social security card]]></category>
		<category><![CDATA[social security do over]]></category>
		<category><![CDATA[social security double dip]]></category>
		<category><![CDATA[social security restart]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2982</guid>
		<description><![CDATA[Are you one of the many who have retired early? Do you regret not waiting until later so you could get a larger check every month? Well, you may be in luck. There is a little-known process you can go through to get a larger Social Security benefit check every month. It&#8217;s just as if [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Casual Dress: When It Makes Sense for the Workplace</title>
		<link>http://www.pfadvice.com/2008/10/03/casual-dress/</link>
		<comments>http://www.pfadvice.com/2008/10/03/casual-dress/#comments</comments>
		<pubDate>Fri, 03 Oct 2008 07:01:38 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[causal dress day]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[jeans at work]]></category>
		<category><![CDATA[job dress]]></category>
		<category><![CDATA[work dress]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2865</guid>
		<description><![CDATA[I&#8217;ve written before about dressing and looking your best to succeed in the workplace and life, and I still believe this one hundred percent. However, I overheard an interesting discussion that illustrated the desire for casual dress and how people seem happier when they don&#8217;t have to &#8220;dress up.&#8221; First, I&#8217;ll give you a little [...]]]></description>
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		<slash:comments>10</slash:comments>
		</item>
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		<title>Face it: Eating Healthy Does Cost More</title>
		<link>http://www.pfadvice.com/2008/09/26/eating-healthy-cost-more/</link>
		<comments>http://www.pfadvice.com/2008/09/26/eating-healthy-cost-more/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 07:01:56 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[eating healthy]]></category>
		<category><![CDATA[garden]]></category>
		<category><![CDATA[premade food]]></category>
		<category><![CDATA[prepackaged food]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2774</guid>
		<description><![CDATA[What do you usually have for a snack? Do you choose something healthy like fruit or veggies? Or is it more like a bag of chips or your favorite candy bar? How about dinner? Do you make dinner from scratch, or do you heat up something that is premade? If you are like many people, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/09/26/eating-healthy-cost-more/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>You Can Be Too Frugal</title>
		<link>http://www.pfadvice.com/2008/09/16/too-frugal/</link>
		<comments>http://www.pfadvice.com/2008/09/16/too-frugal/#comments</comments>
		<pubDate>Tue, 16 Sep 2008 17:01:59 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[lost opportunities]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2582</guid>
		<description><![CDATA[Have you poured a half finished glass of orange juice back into the carton? Have you taken toilet paper down from your trees after being TP&#8217;d to use for its original purpose? I have heard of people doing just that. Have you done outrageous things just to save money? Are you happy with this lifestyle? [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/09/16/too-frugal/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<title>Start: Your Finances Won&#8217;t Get Better Until You Do</title>
		<link>http://www.pfadvice.com/2008/09/15/start-finances/</link>
		<comments>http://www.pfadvice.com/2008/09/15/start-finances/#comments</comments>
		<pubDate>Mon, 15 Sep 2008 07:01:04 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[begin]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[start]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2585</guid>
		<description><![CDATA[You know you need to pay attention to your finances and create some kind of spending plan. So why haven&#8217;t you started? Are you just waiting for the right software, book, or moment? Maybe you feel overwhelmed. The reasons for not starting and maintaining your spending plan are endless, but your window of opportunity closes [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>An HDHP / HSA Could Be Just What the Doctor Ordered</title>
		<link>http://www.pfadvice.com/2008/08/30/an-hdhp-hsa-could-be-just-what-the-doctor-ordered/</link>
		<comments>http://www.pfadvice.com/2008/08/30/an-hdhp-hsa-could-be-just-what-the-doctor-ordered/#comments</comments>
		<pubDate>Sat, 30 Aug 2008 13:01:08 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[HDHP]]></category>
		<category><![CDATA[Health Savings Account]]></category>
		<category><![CDATA[High Deductible Health Plan]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[medical insurance]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/09/27/102275_an-hdhp-hsa-could-be-just-what-the-doctor-ordered.html</guid>
		<description><![CDATA[With the costs of health care rising dramatically every year, both companies and individuals are trying to find ways to lessen the financial pain. One option is a (HDHP) coupled with a Health Savings Account (HSA). Many of you may already have this option, or your company is rolling this out in the near future. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/08/30/an-hdhp-hsa-could-be-just-what-the-doctor-ordered/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Do You Hunger for Money?</title>
		<link>http://www.pfadvice.com/2007/10/24/do-you-hunger-for-money/</link>
		<comments>http://www.pfadvice.com/2007/10/24/do-you-hunger-for-money/#comments</comments>
		<pubDate>Wed, 24 Oct 2007 07:33:39 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/24/101842_do-you-hunger-for-money.html</guid>
		<description><![CDATA[Spend less than you earn. Pay yourself first. Save 10 percent of all of your earnings. These are some of the most basic principles of personal finance, yet millions fail to do this. There are hundreds of personal finance books that talk about these financial basics, and more are on their way. Simple solutions are [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/10/24/do-you-hunger-for-money/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<title>How To Save Money At Conferences</title>
		<link>http://www.pfadvice.com/2007/10/23/how-to-save-money-at-conferences/</link>
		<comments>http://www.pfadvice.com/2007/10/23/how-to-save-money-at-conferences/#comments</comments>
		<pubDate>Tue, 23 Oct 2007 07:01:04 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/23/101839_how-to-save-money-at-conferences.html</guid>
		<description><![CDATA[Working in the web development industry, I get a chance to go to at least one conference, seminar, or training class every year. This way I can keep up with the latest technologies and our company benefits from my acquired knowledge. However, convincing the company my conference of choice is worthwhile can be a problem. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/10/23/how-to-save-money-at-conferences/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
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		<title>Career Considerations</title>
		<link>http://www.pfadvice.com/2007/10/04/career-considerations/</link>
		<comments>http://www.pfadvice.com/2007/10/04/career-considerations/#comments</comments>
		<pubDate>Thu, 04 Oct 2007 14:33:58 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/04/101811_career-considerations.html</guid>
		<description><![CDATA[We all want a job we enjoy and not dread going to each day. Are you just starting out and are not sure what you want to do? Or do you currently have a job, but long to be doing something else? To obtain your ideal career, you may want to consider a few things. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/10/04/career-considerations/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
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		<title>Financial Fears</title>
		<link>http://www.pfadvice.com/2007/10/02/financial-fears/</link>
		<comments>http://www.pfadvice.com/2007/10/02/financial-fears/#comments</comments>
		<pubDate>Tue, 02 Oct 2007 10:01:35 +0000</pubDate>
		<dc:creator>J. Alan Maguire</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/02/101806_financial-fears.html</guid>
		<description><![CDATA[What scares you? What is holding you back and affecting your financial well-being? If you were not afraid, how different would your life be? I think fear is a major problem when it comes to finances. Do you have any of the following financial fears? Budgeting. This is one of the most fundamental tasks for [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/10/02/financial-fears/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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