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	<title>Wealth Virtues Journal &#187; Saving and Investing</title>
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	<link>http://www.wealthvirtues.com/journal</link>
	<description>Improve Your Self, Improve Your Wealth</description>
	<lastBuildDate>Sun, 22 Jan 2012 20:55:07 +0000</lastBuildDate>
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		<title>Anyone Can Have Tax-Free Income Because of a Senator from Delaware</title>
		<link>http://www.wealthvirtues.com/journal/2011/12/23/anyone-can-have-tax-free-income-because-of-a-senator-from-delaware/</link>
		<comments>http://www.wealthvirtues.com/journal/2011/12/23/anyone-can-have-tax-free-income-because-of-a-senator-from-delaware/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 14:51:32 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[American Wealth]]></category>
		<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Senator William Roth]]></category>
		<category><![CDATA[tax free]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=599</guid>
		<description><![CDATA[Anyone can have tax-free retirement income which can also be passed to your heirs also tax free!]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2011/12/23/anyone-can-have-tax-free-income-because-of-a-senator-from-delaware/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Netflix Helps Me to Balance my Wants vs. Needs, and Increases my Wealth</title>
		<link>http://www.wealthvirtues.com/journal/2011/01/27/why-netflix-helps-me-to-balance-my-wants-vs-needs-and-increases-my-wealth/</link>
		<comments>http://www.wealthvirtues.com/journal/2011/01/27/why-netflix-helps-me-to-balance-my-wants-vs-needs-and-increases-my-wealth/#comments</comments>
		<pubDate>Thu, 27 Jan 2011 21:04:14 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Comcast]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Netflix]]></category>
		<category><![CDATA[NFLX]]></category>
		<category><![CDATA[Roku]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=425</guid>
		<description><![CDATA[A while back, a service I recommend in my book Wealth Virtues, the Stock Advisor from Fool.com recommended Netflix stock (NFLX) as an addition to anyone's portfolio. I took that advice, mostly on the Fool.com recommendation, but also because of my experience as a new customer.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2011/01/27/why-netflix-helps-me-to-balance-my-wants-vs-needs-and-increases-my-wealth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Replace Social Security with a current U. S. Government program that actually works!</title>
		<link>http://www.wealthvirtues.com/journal/2010/11/13/replace-social-security-with-a-current-u-s-government-program-that-actually-works/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/11/13/replace-social-security-with-a-current-u-s-government-program-that-actually-works/#comments</comments>
		<pubDate>Sat, 13 Nov 2010 21:15:39 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[socialism]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=374</guid>
		<description><![CDATA[Let's play a game. I give you four dollars, then you pay someone five. You are the government. How long do you want to keep doing this?]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/11/13/replace-social-security-with-a-current-u-s-government-program-that-actually-works/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Thrifty at Fifty Makes Retirement Nifty</title>
		<link>http://www.wealthvirtues.com/journal/2010/09/10/thrifty-at-fifty-makes-retirement-nifty/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/09/10/thrifty-at-fifty-makes-retirement-nifty/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 16:39:02 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[401K]]></category>
		<category><![CDATA[Investing Late]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Wisdom]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=243</guid>
		<description><![CDATA[There are many circumstances in life where we may not be fortunate enough to have started serious retirement investing until late in life. Never fear. Beginning to invest, or increasing your investments at age 50 may bring some unexpected benefits.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/09/10/thrifty-at-fifty-makes-retirement-nifty/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I Invest in the Stock Market, or Real Estate?</title>
		<link>http://www.wealthvirtues.com/journal/2010/05/25/should-i-invest-in-the-stock-market-or-real-estate/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/05/25/should-i-invest-in-the-stock-market-or-real-estate/#comments</comments>
		<pubDate>Wed, 26 May 2010 00:28:09 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[401K]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=214</guid>
		<description><![CDATA[From the start of 1980 to the end of 2004, home sale prices increased 247%. A pretty sweet deal, it would seem. Over the same period, however, the S&#038;P 500 shot up more than 1,000%.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/05/25/should-i-invest-in-the-stock-market-or-real-estate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Relative New beats Actual New by 66%</title>
		<link>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 00:48:55 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[preowned bargains]]></category>
		<category><![CDATA[skiing]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=179</guid>
		<description><![CDATA[Do you really need new, or is slighly used better for the money?]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Target Date Retirement Funds: For people that like taking the bus instead of driving themselves</title>
		<link>http://www.wealthvirtues.com/journal/2010/03/04/target-date-retirement-funds-for-people-that-like-taking-the-bus-instead-of-driving-themselves/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/03/04/target-date-retirement-funds-for-people-that-like-taking-the-bus-instead-of-driving-themselves/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 00:43:56 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Bill Sharpe]]></category>
		<category><![CDATA[Financial Engines]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Target Date Funds]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=169</guid>
		<description><![CDATA[Target date Retirement Funds sound easy and convenient, doesn't it? Just sit back and let some stranger decide risk tolerance for you and the thousands of other people enrolled in the fund.  I mean, you are all retiring at the same time - I guess you all have the same risk, right?]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/03/04/target-date-retirement-funds-for-people-that-like-taking-the-bus-instead-of-driving-themselves/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Maximus Contributus? Be the 6 Million Dollar Man or Woman</title>
		<link>http://www.wealthvirtues.com/journal/2009/12/30/are-you-maximus-contributus-be-the-6-million-dollar-man-or-woman/</link>
		<comments>http://www.wealthvirtues.com/journal/2009/12/30/are-you-maximus-contributus-be-the-6-million-dollar-man-or-woman/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 20:02:00 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Millionaire]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=153</guid>
		<description><![CDATA[Do you think millions of dollars are not possible for you? HA I say. See how anyone with discipline can get there and enjoy it as well. The book 'Wealth Virtues' delves into this in greater detail.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2009/12/30/are-you-maximus-contributus-be-the-6-million-dollar-man-or-woman/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>GE, Why Not Buy Some POT and Add WTR?</title>
		<link>http://www.wealthvirtues.com/journal/2009/12/11/ge-why-not-buy-some-pot-and-add-wtr/</link>
		<comments>http://www.wealthvirtues.com/journal/2009/12/11/ge-why-not-buy-some-pot-and-add-wtr/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 00:03:45 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Cleanliness]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[GE]]></category>
		<category><![CDATA[POT]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[water]]></category>
		<category><![CDATA[WTR]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=143</guid>
		<description><![CDATA[There are many industries that provide products that help in the production of clean water and the ability to grow more food. I look at three which not only tackle the problems associated with basic resources for humans, but are extraordinarily good companies for long term investors should consider for their portfolio.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2009/12/11/ge-why-not-buy-some-pot-and-add-wtr/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is the 529 Educational Savings Plan Really Right For You?</title>
		<link>http://www.wealthvirtues.com/journal/2009/11/09/is-the-529-educational-savings-plan-really-right-for-you/</link>
		<comments>http://www.wealthvirtues.com/journal/2009/11/09/is-the-529-educational-savings-plan-really-right-for-you/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 02:50:11 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[529 Savings Plan]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Saving for College]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=113</guid>
		<description><![CDATA[An important consideration for your savings should be for your or your children’s education.  Some people look to handle this using a 529 savings plan. If you decide to finance your children’s education this way, don’t sacrifice saving for your retirement at the expense of funding a 529 plan.  You can take a loan out for education; you cannot take a loan out for retirement!]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2009/11/09/is-the-529-educational-savings-plan-really-right-for-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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