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	<title>Personal Finance Advice &#187; Joe Morgan</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>Why 401(k) Retirement Plans Really Don&#8217;t Work, and How to Fix Them</title>
		<link>http://www.pfadvice.com/2009/01/22/why-401k-retirement-plans-really-dont-work-and-how-to-fix-them/</link>
		<comments>http://www.pfadvice.com/2009/01/22/why-401k-retirement-plans-really-dont-work-and-how-to-fix-them/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 08:01:02 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[guaranteed retirement account]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2009/01/31/103897_why-401k-retirement-plans-really-dont-work-and-how-to-fix-them.html</guid>
		<description><![CDATA[With the death of defined pension plans, 401(k) retirement plans have become a staple for many employees, but the recent financial turmoil has put these once infallible savings vehicles under the microscope. There have been numerous news articles detailing the stunning losses of the stock market since October of last year. Such stories usually offer [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>It&#8217;s Never Too Soon To Teach Kids About Money</title>
		<link>http://www.pfadvice.com/2009/01/13/its-never-too-soon-to-teach-kids-about-money/</link>
		<comments>http://www.pfadvice.com/2009/01/13/its-never-too-soon-to-teach-kids-about-money/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 11:02:35 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[children and money]]></category>
		<category><![CDATA[money skills]]></category>
		<category><![CDATA[talk about money]]></category>
		<category><![CDATA[teach money skills]]></category>
		<category><![CDATA[teaching kids about money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3835</guid>
		<description><![CDATA[Children don&#8217;t usually learn money management skills in schools, but don&#8217;t think that means they don&#8217;t learn about money. Children are like sponges. They soak up everything they can at an early age, and learn much more than we&#8217;d like from example. This is why positive role modeling is so important. It&#8217;s also why you&#8217;re [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>12 Mistakes of Christmas</title>
		<link>http://www.pfadvice.com/2008/12/20/12-mistakes-of-christmas/</link>
		<comments>http://www.pfadvice.com/2008/12/20/12-mistakes-of-christmas/#comments</comments>
		<pubDate>Sat, 20 Dec 2008 13:01:51 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buying things on sale]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas gift]]></category>
		<category><![CDATA[fruitcake]]></category>
		<category><![CDATA[office party]]></category>
		<category><![CDATA[re-gifting]]></category>
		<category><![CDATA[spirit of giving]]></category>
		<category><![CDATA[vacation time]]></category>
		<category><![CDATA[winter holidays]]></category>
		<category><![CDATA[xmas]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/12/30/103650_3650.html</guid>
		<description><![CDATA[Christmas is a wonderful time of year, but it can be stressful as well. Sometimes, people have expectations so high that they could never be met. Other times, it&#8217;s the little things that can pile up and just wear a person down. Here are some of those little things you probably want to avoid this [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Why Now is the Best Time to Shop</title>
		<link>http://www.pfadvice.com/2008/12/16/why-now-is-the-best-time-to-shop/</link>
		<comments>http://www.pfadvice.com/2008/12/16/why-now-is-the-best-time-to-shop/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 08:01:05 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[best time to shop]]></category>
		<category><![CDATA[Christmas deals]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[great deals]]></category>
		<category><![CDATA[inventory slack]]></category>
		<category><![CDATA[liquidation sales]]></category>
		<category><![CDATA[poor economy]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3653</guid>
		<description><![CDATA[Conventional wisdom has long held that the best deals come close to the holidays. Another bit of conventional wisdom is that the best time to buy is when the economy is in recession and retailers need the money. These age old rules of shopping may not be as rigid as they once were. They still [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Power of Perspective</title>
		<link>http://www.pfadvice.com/2008/12/03/the-power-of-perspective/</link>
		<comments>http://www.pfadvice.com/2008/12/03/the-power-of-perspective/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 09:54:43 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[air force]]></category>
		<category><![CDATA[challenges]]></category>
		<category><![CDATA[grandfather]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[greatest generation]]></category>
		<category><![CDATA[hard times]]></category>
		<category><![CDATA[perspective]]></category>
		<category><![CDATA[WWII]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3522</guid>
		<description><![CDATA[This year marked the 5 year anniversary of my Grandfather&#8217;s passing. When he died, it was like losing my father. In fact, he was the only father figure in my life for my first 8 years until my mother remarried. So it&#8217;s no surprise his death affected me as deeply as it did. This past [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Get Your Budget to Work: Stop Caring</title>
		<link>http://www.pfadvice.com/2008/11/18/get-budget-to-work/</link>
		<comments>http://www.pfadvice.com/2008/11/18/get-budget-to-work/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 08:01:03 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budget categories]]></category>
		<category><![CDATA[budget failure]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[splurge]]></category>
		<category><![CDATA[strict budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3377</guid>
		<description><![CDATA[I&#8217;m sure you&#8217;ve heard that if you want to be successful in getting or staying out of debt, you should craft a budget and stick to it. Does this really work? I suppose for some people it does, but it&#8217;s really never worked for me. That is until I stopped caring so much. The problem [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/18/get-budget-to-work/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What AC/DC can teach us about personal finance</title>
		<link>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/</link>
		<comments>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/#comments</comments>
		<pubDate>Fri, 14 Nov 2008 07:01:00 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[AC/DC]]></category>
		<category><![CDATA[Angus Young]]></category>
		<category><![CDATA[Atlantic Records]]></category>
		<category><![CDATA[Back in Black]]></category>
		<category><![CDATA[Billboard Hard Rock]]></category>
		<category><![CDATA[Black Ice]]></category>
		<category><![CDATA[Bon Scott]]></category>
		<category><![CDATA[Brian Johnson]]></category>
		<category><![CDATA[financial hardship]]></category>
		<category><![CDATA[High Voltage]]></category>
		<category><![CDATA[Malcolm Young]]></category>
		<category><![CDATA[Phil Rudd]]></category>
		<category><![CDATA[school boy uniform]]></category>
		<category><![CDATA[The Razor's Edge]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3277</guid>
		<description><![CDATA[AC/DC released their first album in 8 years on October 20th, 2008 and within a week, Black Ice hit number one on the Billboard Hard Rock chart. They have sold over 200 million albums worldwide. They were ranked number 4 in the &#8220;100 Greatest Artists of Hard Rock&#8221; list from VH1 and 7th on MTV&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How to Live on a Single Income</title>
		<link>http://www.pfadvice.com/2008/11/05/how-to-live-on-a-single-income/</link>
		<comments>http://www.pfadvice.com/2008/11/05/how-to-live-on-a-single-income/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 07:01:40 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[cable TV]]></category>
		<category><![CDATA[cell phone]]></category>
		<category><![CDATA[Coupons]]></category>
		<category><![CDATA[debt free lifestyle]]></category>
		<category><![CDATA[health costs]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[living on a single income]]></category>
		<category><![CDATA[second hand stores]]></category>
		<category><![CDATA[single income]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3234</guid>
		<description><![CDATA[I know a lot of people who were asking if it&#8217;s possible to live on a single income before the proverbial excrement hit the rotary device, economically speaking. I imagine there are a great many people who are worried about losing their job and are now asking themselves if their household can live on one [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/05/how-to-live-on-a-single-income/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Why Does College Cost So Much?</title>
		<link>http://www.pfadvice.com/2008/10/31/why-does-college-cost-so-much/</link>
		<comments>http://www.pfadvice.com/2008/10/31/why-does-college-cost-so-much/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 08:01:09 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[college degree cost]]></category>
		<category><![CDATA[cost of college]]></category>
		<category><![CDATA[cost of tuition]]></category>
		<category><![CDATA[tuition hike]]></category>
		<category><![CDATA[tuition increase]]></category>
		<category><![CDATA[university]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3195</guid>
		<description><![CDATA[Consider that, according to the Bureau of Labor Statistics, in the 20 years from 1985 to 2005 energy costs have risen 108%, Medical costs 251%, and college costs increased 439% &#8212; but a college degree is worth it, right? Not necessarily. While having a college degree does open doors, and increase the odds of earning [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/10/31/why-does-college-cost-so-much/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Are Children Entitled to a College Degree?</title>
		<link>http://www.pfadvice.com/2008/10/25/are-children-entitled-to-a-college-degree/</link>
		<comments>http://www.pfadvice.com/2008/10/25/are-children-entitled-to-a-college-degree/#comments</comments>
		<pubDate>Sat, 25 Oct 2008 13:01:21 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[college degree]]></category>
		<category><![CDATA[college education]]></category>
		<category><![CDATA[paying for college]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3140</guid>
		<description><![CDATA[It seems like every personal finance magazine I read reinforces the idea that our children are entitled to a college education. Beyond that &#8211; it&#8217;s the parent&#8217;s sole financial responsibility to provide a college education free and clear for their children. Don&#8217;t get me wrong, every parent would like their child to have a college [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/10/25/are-children-entitled-to-a-college-degree/feed/</wfw:commentRss>
		<slash:comments>20</slash:comments>
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