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	<title>Personal Finance Advice &#187; S. Shugars</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Investing Hack: Why I bought $199 in Apple Stock Instead of a New Apple 3G iPhone</title>
		<link>http://www.pfadvice.com/2008/07/16/investing-hack-iphone-3g/</link>
		<comments>http://www.pfadvice.com/2008/07/16/investing-hack-iphone-3g/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 12:37:48 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[3G]]></category>
		<category><![CDATA[APPL]]></category>
		<category><![CDATA[Apple]]></category>
		<category><![CDATA[gadgets]]></category>
		<category><![CDATA[investing hack]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[ipod]]></category>
		<category><![CDATA[money hack]]></category>
		<category><![CDATA[Peter Lynch]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Warren Buffet]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/16/102148_how-to-invest-when-you-dont-know-how-to-invest.html</guid>
		<description><![CDATA[I&#8217;m a big fan of index funds because, quite frankly, I don&#8217;t know much about investing and I would rather spend my time doing other things than learning how to invest in individual companies. Warren Buffett agrees with me on this as his response to a question at the Berkshire Hathaway annual shareholder meeting: &#8220;If [...]]]></description>
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		<slash:comments>21</slash:comments>
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		<title>I Just Traded in My Fuel Efficient Car for a SUV</title>
		<link>http://www.pfadvice.com/2008/06/19/why-i-just-bought-a-huge-suv-and-why-you-might-want-to-do-the-same/</link>
		<comments>http://www.pfadvice.com/2008/06/19/why-i-just-bought-a-huge-suv-and-why-you-might-want-to-do-the-same/#comments</comments>
		<pubDate>Thu, 19 Jun 2008 07:01:00 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[fuel efficient]]></category>
		<category><![CDATA[Gas]]></category>
		<category><![CDATA[Honda]]></category>
		<category><![CDATA[mpg]]></category>
		<category><![CDATA[SUV]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/19/102167_why-i-just-bought-a-huge-suv-and-why-you-might-want-to-do-the-same.html</guid>
		<description><![CDATA[When it seems that everyone wants to trade in their SUV for a more fuel efficient car, it might come as a surprise that I just purchased a SUV to replace my fuel efficient car. Although I have been told that I&#8217;m stupid for doing so, I often find that it makes financial sense to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/19/why-i-just-bought-a-huge-suv-and-why-you-might-want-to-do-the-same/feed/</wfw:commentRss>
		<slash:comments>39</slash:comments>
		</item>
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		<title>How I Lived in Million Dollar Homes for Free</title>
		<link>http://www.pfadvice.com/2008/06/12/how-i-lived-in-million-dollar-homes-for-free/</link>
		<comments>http://www.pfadvice.com/2008/06/12/how-i-lived-in-million-dollar-homes-for-free/#comments</comments>
		<pubDate>Thu, 12 Jun 2008 12:09:28 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[free rent]]></category>
		<category><![CDATA[housesit]]></category>
		<category><![CDATA[housesitting]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/12/102150_how-i-lived-in-million-dollar-homes-for-free.html</guid>
		<description><![CDATA[For nine years I lived in million dollar homes for free and it is something that anyone who is neat and conscientious can easily do. My junior year in college, a professor who I had assisted received a year long sabbatical to live in a foreign country. During that time, he needed someone to housesit [...]]]></description>
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		<slash:comments>20</slash:comments>
		</item>
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		<title>Don&#8217;t be Mr. Cheap</title>
		<link>http://www.pfadvice.com/2008/06/02/dont-be-mr-cheap/</link>
		<comments>http://www.pfadvice.com/2008/06/02/dont-be-mr-cheap/#comments</comments>
		<pubDate>Mon, 02 Jun 2008 07:01:32 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[cheap]]></category>
		<category><![CDATA[office politics]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/02/102151_dont-be-mr-cheap.html</guid>
		<description><![CDATA[Dear Mr. Cheap, You know exactly who you are so I don&#8217;t feel a need to name you. While I know that you think that you are being sly and saving yourself a lot of money, let me say that your true nature shows through loud and clear. This would not be an issue except [...]]]></description>
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		<slash:comments>22</slash:comments>
		</item>
		<item>
		<title>Financial Advice from a Call Girl: How Great Sex Can Make You Rich</title>
		<link>http://www.pfadvice.com/2008/05/29/financial-advice-from-a-call-girl/</link>
		<comments>http://www.pfadvice.com/2008/05/29/financial-advice-from-a-call-girl/#comments</comments>
		<pubDate>Thu, 29 May 2008 07:37:07 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[best advice]]></category>
		<category><![CDATA[call girl]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[love]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[sex]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/05/29/102142_financial-advice-from-a-call-girl.html</guid>
		<description><![CDATA[When people think about the best financial advice they have ever received, it usually comes from a family member, a close mentor or a financial guru. So it&#8217;s with a bit of embarrassment that I must admit that the best financial advice I ever received came from a call girl I slept with in my [...]]]></description>
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		<slash:comments>55</slash:comments>
		</item>
		<item>
		<title>Why You Don&#8217;t Want A Budget</title>
		<link>http://www.pfadvice.com/2008/05/21/why-you-dont-want-a-budget/</link>
		<comments>http://www.pfadvice.com/2008/05/21/why-you-dont-want-a-budget/#comments</comments>
		<pubDate>Wed, 21 May 2008 07:01:21 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[happy]]></category>
		<category><![CDATA[what's important]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/05/21/102134_why-you-dont-want-a-budget.html</guid>
		<description><![CDATA[Conventional wisdom says that you should have a budget to get the most out of your money. While I believe a budget is a good thing to have when money is tight and you are first learning how to take reign of your personal finances, the ultimate goal should be not to have a budget [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/05/21/why-you-dont-want-a-budget/feed/</wfw:commentRss>
		<slash:comments>30</slash:comments>
		</item>
		<item>
		<title>What You&#8217;re Not</title>
		<link>http://www.pfadvice.com/2007/05/28/what-youre-not/</link>
		<comments>http://www.pfadvice.com/2007/05/28/what-youre-not/#comments</comments>
		<pubDate>Mon, 28 May 2007 22:08:29 +0000</pubDate>
		<dc:creator>S. Shugars</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/2007/05/28/what-youre-not/</guid>
		<description><![CDATA[By S. Shugars In this consumer centered world that we live in, it is often easy to forget that: You are not the car you drive. You are not the house you live in. You are not the clothes you wear. You are not the toys you play with. You are not the people you [...]]]></description>
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		<slash:comments>7</slash:comments>
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