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	<title>Wealth Virtues Journal &#187; retirement</title>
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	<link>http://www.wealthvirtues.com/journal</link>
	<description>Improve Your Self, Improve Your Wealth</description>
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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>The Similarities of a Ponzi Scheme to Social Security</title>
		<link>http://www.wealthvirtues.com/journal/2011/09/14/the-similarities-of-a-ponzi-scheme-to-social-security-2/</link>
		<comments>http://www.wealthvirtues.com/journal/2011/09/14/the-similarities-of-a-ponzi-scheme-to-social-security-2/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 17:14:00 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[American Wealth]]></category>
		<category><![CDATA[Payroll tax]]></category>
		<category><![CDATA[Ponzi Scheme]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=540</guid>
		<description><![CDATA[Much ado has been made on Social Security being a Ponzi scheme. But what is a Ponzi scheme and what does it have in common with Social Security? More than you think, and a little worse!]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2011/09/14/the-similarities-of-a-ponzi-scheme-to-social-security-2/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>He That Lives on Hope Will Die Fasting – Instead try Wealth Virtues</title>
		<link>http://www.wealthvirtues.com/journal/2010/10/13/he-that-lives-on-hope-will-die-fasting-instead-try-wealth-virtues/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/10/13/he-that-lives-on-hope-will-die-fasting-instead-try-wealth-virtues/#comments</comments>
		<pubDate>Wed, 13 Oct 2010 15:04:21 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Press Release]]></category>
		<category><![CDATA[Franklin's 13 Virtues]]></category>
		<category><![CDATA[Hope and Change]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=334</guid>
		<description><![CDATA[There are those who believe that they can only achieve wealth through such low-probability methods like a lottery, and there are those who simply “hope” for wealth. Hope is a wonderful emotion, but hope without action leads to hopelessness.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/10/13/he-that-lives-on-hope-will-die-fasting-instead-try-wealth-virtues/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Becoming Wealthy is Easy &#8211; Just Change Your Perception of Wealth</title>
		<link>http://www.wealthvirtues.com/journal/2010/10/04/becoming-wealthy-is-easy-just-change-your-perception-of-wealth/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/10/04/becoming-wealthy-is-easy-just-change-your-perception-of-wealth/#comments</comments>
		<pubDate>Tue, 05 Oct 2010 02:15:23 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Press Release]]></category>
		<category><![CDATA[create wealth]]></category>
		<category><![CDATA[get out of debt]]></category>
		<category><![CDATA[hope]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[lottery]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[virtues]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=326</guid>
		<description><![CDATA[Hope all you want for financial change, but unless you take action, the only thing you will be hoping for is that social security will still exist when you retire.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/10/04/becoming-wealthy-is-easy-just-change-your-perception-of-wealth/feed/</wfw:commentRss>
		<slash:comments>0</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>Finally, A New Book Provides a Realistic Path to Individual Wealth</title>
		<link>http://www.wealthvirtues.com/journal/2010/09/05/finally-a-new-book-provides-a-realistic-path-to-individual-wealth/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/09/05/finally-a-new-book-provides-a-realistic-path-to-individual-wealth/#comments</comments>
		<pubDate>Sun, 05 Sep 2010 16:50:09 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Press Release]]></category>
		<category><![CDATA[Benjamin Franklin]]></category>
		<category><![CDATA[book press release]]></category>
		<category><![CDATA[Franklin's 13 Virtues]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[virtues]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=287</guid>
		<description><![CDATA[The Newly Released WEALTH VIRTUES by James Ward, uses the wisdom of Benjamin Franklin to provide the path for the realistic achievement of wealth.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/09/05/finally-a-new-book-provides-a-realistic-path-to-individual-wealth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Franklinomics: A Way to Business and Personal Wealth</title>
		<link>http://www.wealthvirtues.com/journal/2010/05/09/franklinomics-a-way-to-business-and-personal-wealth/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/05/09/franklinomics-a-way-to-business-and-personal-wealth/#comments</comments>
		<pubDate>Sun, 09 May 2010 13:09:32 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Wealth Resources]]></category>
		<category><![CDATA[Benjamin Franklin]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Starting a Business]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=204</guid>
		<description><![CDATA[Franklinomics is a living guide to help you with all aspects of wealth - from the practice of frugality at home to the creation and management of a business.
]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/05/09/franklinomics-a-way-to-business-and-personal-wealth/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>
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