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	<title>Personal Finance - Live within your means and be debt free</title>
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	<link>http://mywebsiteworkout.com/personal-finances</link>
	<description>A blog for helping with your finances, debt, careers, mortgage, taxes, technology and more... Visit http://mywebsiteworkout.com/personal-finances/ for more information.</description>
	<lastBuildDate>Wed, 10 Mar 2010 05:15:55 +0000</lastBuildDate>
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			<item>
		<title>Are Gov. employees making more or less than private sector?</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/10/finances/are-gov-employees-making-more-or-less-than-private-sector/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/10/finances/are-gov-employees-making-more-or-less-than-private-sector/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 05:15:55 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Brian S. Wesbury and Robert Stein]]></category>
		<category><![CDATA[deficit]]></category>
		<category><![CDATA[Government Workers]]></category>
		<category><![CDATA[Opinions]]></category>
		<category><![CDATA[Pay Cuts]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17271</guid>
		<description><![CDATA[Are government employees &#8211; federal, state, and local &#8211; earning more money or less than their counterpart in the private sector? I always thought folks in private sector were making more money. That&#8217;s the impression I get from the media. Articles after articles have been written about their pay. Brian S. Wesbury and Robert Stein  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/10/finances/are-gov-employees-making-more-or-less-than-private-sector/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/10/finances/are-gov-employees-making-more-or-less-than-private-sector/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Defusing the national debt bomb &#8211; It can be done &#8211; Here&#8217;s how</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/09/debt/defusing-the-national-debt-bomb-it-can-be-done-heres-how/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/09/debt/defusing-the-national-debt-bomb-it-can-be-done-heres-how/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 07:18:00 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Eliminate subsidies]]></category>
		<category><![CDATA[national debt bomb]]></category>
		<category><![CDATA[National Sales Tax]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17252</guid>
		<description><![CDATA[Fareed Zakaria writes for Newsweek and is a commentator on CNN and has his own show on Sunday, again on CNN. He has written an article published in Newsweek on Feb 26, 2010 and has titled it &#8220;Defusing the Debt Bomb. It can be done. Here&#8217;s how.&#8221; I found it very interesting to read and  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/09/debt/defusing-the-national-debt-bomb-it-can-be-done-heres-how/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/09/debt/defusing-the-national-debt-bomb-it-can-be-done-heres-how/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Way to go, Sujata &#8220;Sue&#8221; Sachdeva &#8211; you are finally debt free</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/08/debt/way-to-go-sujata-sue-sachdeva-you-are-finally-debt-free/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/08/debt/way-to-go-sujata-sue-sachdeva-you-are-finally-debt-free/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 06:44:00 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Koss]]></category>
		<category><![CDATA[Sujata "Sue" Sachdeva]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17272</guid>
		<description><![CDATA[I gotta give it to you, Sue baby. More and more folks &#8211; except the bonus babies &#8211; have gone to great lengths to be debt free. Once you get in heavy debt like some folks, it would take you almost a lifetime to get out of debt. In the last two years, you paid  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/08/debt/way-to-go-sujata-sue-sachdeva-you-are-finally-debt-free/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/08/debt/way-to-go-sujata-sue-sachdeva-you-are-finally-debt-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. entrepreneurship must deflect the bread lines of the 1930s</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/07/small-business/u-s-entrepreneurship-must-deflect-the-bread-lines-of-the-1930s/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/07/small-business/u-s-entrepreneurship-must-deflect-the-bread-lines-of-the-1930s/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 05:52:13 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Small Business]]></category>
		<category><![CDATA[bread lines of the 1930s]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[USA economy]]></category>
		<category><![CDATA[Valentin Gapontsev]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17268</guid>
		<description><![CDATA[That&#8217;s pretty harsh statement to say that Americans&#8217; entrepreneurship [skill, passion, and belief in the future] must deflect the bread lines of the 1930s. Don&#8217;t believe for a second that can ever happen in the good old U.S. of A [Archie Bunker]. I mean the bread lines of the 1930s. Nonetheless, Americans&#8217; skill, passion, and  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/07/small-business/u-s-entrepreneurship-must-deflect-the-bread-lines-of-the-1930s/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/07/small-business/u-s-entrepreneurship-must-deflect-the-bread-lines-of-the-1930s/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do we have a bunch of teenage twits in the nation&#8217;s capital?</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-news/do-we-have-a-bunch-of-teenage-twits-in-the-nations-capitol/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-news/do-we-have-a-bunch-of-teenage-twits-in-the-nations-capitol/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 17:51:24 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances News]]></category>
		<category><![CDATA[Clint Eastwood]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[juvenile as a nation]]></category>
		<category><![CDATA[teenage twits]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17270</guid>
		<description><![CDATA[I can make a lot of comments on what&#8217;s going on in the nation&#8217;s capital especially on Capitol Hill but that would be from the outside what I have learned from the media. Folks working on the inside might know what&#8217;s going on in Congress. The members in both houses of Congress are supposedly representing  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-news/do-we-have-a-bunch-of-teenage-twits-in-the-nations-capitol/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-news/do-we-have-a-bunch-of-teenage-twits-in-the-nations-capitol/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Starting in 2010 IRS will issue tax refunds as savings bonds</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-savings/starting-in-2010-irs-will-issue-tax-refunds-as-savings-bonds/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-savings/starting-in-2010-irs-will-issue-tax-refunds-as-savings-bonds/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 06:05:51 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Savings]]></category>
		<category><![CDATA[savings bonds]]></category>
		<category><![CDATA[tax refund]]></category>
		<category><![CDATA[your finances]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17269</guid>
		<description><![CDATA[You read it right. Starting in 2010, the IRS will issue tax refunds in the form of savings bonds. That&#8217;s an incentive from the government for you to accept the offer or reject it. Most people historically, given a choice when they get the tax refund, will spend all of it or most of it.  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-savings/starting-in-2010-irs-will-issue-tax-refunds-as-savings-bonds/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/06/finances-savings/starting-in-2010-irs-will-issue-tax-refunds-as-savings-bonds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s OK to take commercialism out of our health-care system</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/05/finances/its-ok-to-take-commercialism-out-of-our-health-care-system/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/05/finances/its-ok-to-take-commercialism-out-of-our-health-care-system/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 12:11:16 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[capitalism]]></category>
		<category><![CDATA[commercialism]]></category>
		<category><![CDATA[national health-care system]]></category>
		<category><![CDATA[socialism]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17253</guid>
		<description><![CDATA[I, like so many others, have read many articles about our national health-care system. As long as I can remember, since moving to the States in the seventies, the debate about health-care system has been going on and off, especially during election years. Presently, it has been presented to the American people as if it&#8217;s  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/05/finances/its-ok-to-take-commercialism-out-of-our-health-care-system/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/05/finances/its-ok-to-take-commercialism-out-of-our-health-care-system/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Better Business Bureau warns against online Payday lenders</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/04/debt/better-business-bureau-warns-against-online-payday-lenders/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/04/debt/better-business-bureau-warns-against-online-payday-lenders/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 06:06:48 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[bbb]]></category>
		<category><![CDATA[Better Business Bureau]]></category>
		<category><![CDATA[Payday lenders]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17264</guid>
		<description><![CDATA[Because of the bad economy [what? bad economy? never heard of it], an increasing number of people, almost on a daily basis, are getting deeper and deeper in debt. Some debt is directly due to the lousy economy, mostly because of job loss and mortgage foreclosure. That debt, on the most part, is not of  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/04/debt/better-business-bureau-warns-against-online-payday-lenders/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/04/debt/better-business-bureau-warns-against-online-payday-lenders/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>11 Tips how and why to resign from congressional posts</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/03/finances-beware/11-tips-how-and-why-to-resign-from-congressional-posts/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/03/finances-beware/11-tips-how-and-why-to-resign-from-congressional-posts/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 21:52:26 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Finances Beware]]></category>
		<category><![CDATA[congressional posts]]></category>
		<category><![CDATA[Congressman]]></category>
		<category><![CDATA[resign]]></category>
		<category><![CDATA[senator]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17265</guid>
		<description><![CDATA[How to resign from Congressional posts is easy. You call a press conference. You say &#8220;I want to resign and then resign.&#8221; Give your resignation to the Speaker of the House or I am guessing now, to the President of the Senate if you are a Senator. Who controls the Senate and the House? You  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/03/finances-beware/11-tips-how-and-why-to-resign-from-congressional-posts/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/03/finances-beware/11-tips-how-and-why-to-resign-from-congressional-posts/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Health insurance tax tips for the self-employed</title>
		<link>http://mywebsiteworkout.com/personal-finances/2010/03/03/taxes/5-health-insurance-tax-tips-for-the-self-employed/</link>
		<comments>http://mywebsiteworkout.com/personal-finances/2010/03/03/taxes/5-health-insurance-tax-tips-for-the-self-employed/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 05:33:11 +0000</pubDate>
		<dc:creator>Shafi</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[business expense]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[Health Savings Account]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[medical expenses]]></category>
		<category><![CDATA[Qualifying Medicare Premiums]]></category>
		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://mywebsiteworkout.com/personal-finances/?p=17255</guid>
		<description><![CDATA[If you are self-employed and are managing your business either from home or have rented space, you can take steps to minimize your tax-bite for your health insurance. You can take advantage of IRS-implemented but Congress-designed clauses about how and under what circumstances you can take deductions for your health insurance. You can take advantage  ... <a href="http://mywebsiteworkout.com/personal-finances/2010/03/03/taxes/5-health-insurance-tax-tips-for-the-self-employed/">Continue Reading &#187;</a>]]></description>
		<wfw:commentRss>http://mywebsiteworkout.com/personal-finances/2010/03/03/taxes/5-health-insurance-tax-tips-for-the-self-employed/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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