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<title>Kyle Bumpus - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Kyle_Bumpus</link>
<pubDate>Wed, 15 Feb 2012 03:55:40 -0600</pubDate>
<image><title>Kyle Bumpus - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Kyle is a young entrepreneur, software developer, and student of life with an interest in personal finance, investing, and languages.]]></description>
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<item>
<title>Get Back On Track Financially With A Do It Yourself Debt Reduction Plan</title>
<link>http://EzineArticles.com/6818574</link>
<guid>http://EzineArticles.com/6818574</guid>
<pubDate>Wed, 18 Jan 2012 08:43:49 -0600</pubDate>
<description><![CDATA[If you are struggling with debt, you know how stressful it is to sort out the jumble of payments and interest rates you have so you can make a solid debt reduction plan. While many people are successful in do it yourself debt reduction, other find debt consolidation or bankruptcy is a better solution to their financial problems. There are several approaches to a do it yourself reduction plan and an attorney is best suited to help you decide on whether to take a debt consolidation vs bankruptcy approach.]]></description>
</item>
<item>
<title>A Simple and Effective Debt Reduction Plan</title>
<link>http://EzineArticles.com/6818572</link>
<guid>http://EzineArticles.com/6818572</guid>
<pubDate>Wed, 18 Jan 2012 08:43:30 -0600</pubDate>
<description><![CDATA[Recent economic events have many people asking themselves how to eliminate credit card debt. The best way to get control of consumer financial problems and begin to pay it off is by following a debt reduction plan. There are many approaches to eliminating consumer debt but the quickest and most effective is the snowball method.]]></description>
</item>
<item>
<title>GNMA Mutual Fund: An Overview</title>
<link>http://EzineArticles.com/6821032</link>
<guid>http://EzineArticles.com/6821032</guid>
<pubDate>Wed, 18 Jan 2012 08:37:18 -0600</pubDate>
<description><![CDATA[Investments in the current world economy are highly crucial in order to restructure a system that has been through the worst it had in decades. As any investment portfolio, the rule of thumb is that the returns on investment should be quick, if not within a reasonable length of time. There are a lot of Securities that claim to do just that for investors, but one should be very wary and vigilant in investing their life's savings.]]></description>
</item>
<item>
<title>Benefits And Risks Of GNMA Mutual Funds</title>
<link>http://EzineArticles.com/6821031</link>
<guid>http://EzineArticles.com/6821031</guid>
<pubDate>Wed, 18 Jan 2012 08:35:07 -0600</pubDate>
<description><![CDATA[Most people during their working life start to give some thought to building a retirement nest egg, and some will be considering the possibility of GNMA mutual funds as a component of their portfolio. These funds have both advantages and disadvantages, so they may not be right for everyone. Whether or not you decide on this type of investment, the best way to fund your retirement is to open your own IRA or Individual Retirement Account, rather than depending on Social Security or an employer-sponsored fund.]]></description>
</item>
<item>
<title>Answering the 401k Vs Roth IRA Question</title>
<link>http://EzineArticles.com/6819849</link>
<guid>http://EzineArticles.com/6819849</guid>
<pubDate>Tue, 17 Jan 2012 14:45:13 -0600</pubDate>
<description><![CDATA[Ever since the Roth IRA was created by Congress as part of the Taxpayer Relief Act of 1997 people have been wondering about the benefits of their 401k vs a Roth IRA. Somehow everyone thinks they need to make a choice between the two, but this is not really the right mindset. As with any other investment diversification is the key and most people should be using both retirement vehicles.]]></description>
</item>
<item>
<title>Bankruptcies and Mutual Funds</title>
<link>http://EzineArticles.com/6819853</link>
<guid>http://EzineArticles.com/6819853</guid>
<pubDate>Tue, 17 Jan 2012 14:43:16 -0600</pubDate>
<description><![CDATA[Most often considered a last resort by most people facing debt crises, bankruptcy has quite a few side effects that many people are unaware of. If you are seeking to discover the true effects of bankruptcy and what if any impact it may have on mutual funds, then you have come to the right place. The major side effects of bankruptcy include but are not limited to weakened credit for seven to ten years, severe difficulty securing loans, and challenges securing work.]]></description>
</item>
<item>
<title>The Roles of Financial Advisors and Their Impact on Asset Allocation</title>
<link>http://EzineArticles.com/6819870</link>
<guid>http://EzineArticles.com/6819870</guid>
<pubDate>Tue, 17 Jan 2012 10:09:45 -0600</pubDate>
<description><![CDATA[Managing finances is not an easy job. The ever-changing market makes it an even more difficult job than it already is. There are many financial goals to meet, which makes taking the right decisions that much more challenging.]]></description>
</item>
<item>
<title>How To Invest In Oil</title>
<link>http://EzineArticles.com/6819866</link>
<guid>http://EzineArticles.com/6819866</guid>
<pubDate>Tue, 17 Jan 2012 10:07:22 -0600</pubDate>
<description><![CDATA[Knowing how to invest in oil can be tricky for individual and professional investors alike. The safest investment choices often offer the least potential for profit, while more profitable ones deal with the possibility of large oil price fluctuations that can sometimes occur on a daily basis. Nonetheless, if one is willing to invest in oil and is open to incurring the risk, investing in the petroleum market can bring rewards.]]></description>
</item>
<item>
<title>The Importance Of Working With Debt Negotiation Companies</title>
<link>http://EzineArticles.com/6819864</link>
<guid>http://EzineArticles.com/6819864</guid>
<pubDate>Tue, 17 Jan 2012 10:06:11 -0600</pubDate>
<description><![CDATA[Economic hardships can make you have many debts. Apart from you recurrent bills like utility payments, you may also have to pay back a number of loans. These different debts, each with its own terms and conditions, can be difficult to keep up with.]]></description>
</item>
<item>
<title>Why Stated Income Mortgage and Mortgage Term Life Insurance Are Lifesavers</title>
<link>http://EzineArticles.com/6819861</link>
<guid>http://EzineArticles.com/6819861</guid>
<pubDate>Tue, 17 Jan 2012 10:03:36 -0600</pubDate>
<description><![CDATA[If you are having problems proving the amount of money you earn every month then you should look into stated income mortgage. It is a life-saver for those who are self-employed, paid cash, independent contractors, and employees who are tipped. Meanwhile, you should also look into mortgage term life insurance if you, as the borrower, are incapacitated by critical illness or accident.]]></description>
</item>
<item>
<title>Knowing How to Declare Bankruptcy</title>
<link>http://EzineArticles.com/6819859</link>
<guid>http://EzineArticles.com/6819859</guid>
<pubDate>Tue, 17 Jan 2012 10:02:46 -0600</pubDate>
<description><![CDATA[Buying a car after bankruptcy might not be a strategic thing to do, especially if a person is running under a tight budget. See, being in this state of financial incapacity requires modest spending, and a clear mind in order to plan the way spending is going to be in the immediate future, or until the situation gets better. For all of these things to be possible, it is essential for everyone to absolutely know how to declare bankruptcy as most people see themselves stuck in a never-ending cycle of being forced or harassed to pay for...]]></description>
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<item>
<title>Characteristics of Stated Income Mortgage Loans</title>
<link>http://EzineArticles.com/6819858</link>
<guid>http://EzineArticles.com/6819858</guid>
<pubDate>Tue, 17 Jan 2012 10:01:57 -0600</pubDate>
<description><![CDATA[The housing market downturn of recent years saw many lenders coming up with tighter lending rules. As a result, it has become a lot difficult for many people to get approved for mortgages. However, if you have good credit, you can get approved for stated income mortgage loans and no income home loans.]]></description>
</item>
<item>
<title>Does Your Dental Insurance Cover Braces For Your Kids?</title>
<link>http://EzineArticles.com/4346508</link>
<guid>http://EzineArticles.com/4346508</guid>
<pubDate>Tue, 25 May 2010 10:12:20 -0500</pubDate>
<description><![CDATA[Many parents are getting hit with the fact that their child is going to need braces. Braces can be very expensive and in many cases, it requires some kind of orthodontic coverage to get them for your child. If you do not have dental coverage or are in need of some kind of discount coverage then you have come to the right place. Keep reading to find out some information on how to get braces for your child.]]></description>
</item>
<item>
<title>Conservative Investing With Dividend Funds</title>
<link>http://EzineArticles.com/4319346</link>
<guid>http://EzineArticles.com/4319346</guid>
<pubDate>Wed, 19 May 2010 13:06:12 -0500</pubDate>
<description><![CDATA[Since the market crash, dividends are back in style. After all, a bird in the hand is worth two in the bush. Here's how to spot a quality dividend fund.]]></description>
</item>
<item>
<title>What's the Difference Between Stocks and Bonds?</title>
<link>http://EzineArticles.com/4245713</link>
<guid>http://EzineArticles.com/4245713</guid>
<pubDate>Sun, 09 May 2010 05:21:46 -0500</pubDate>
<description><![CDATA[There are two primary asset classes: stocks and bonds. Sure, international stocks, real estate, and commodities also have a part in most peoples' portfolios, but you really only need the two mentioned above to achieve a minimum level of diversification. Thus, the stocks vs bonds question is an important one for investors. ]]></description>
</item>
<item>
<title>Fixed Period Annuities</title>
<link>http://EzineArticles.com/3942244</link>
<guid>http://EzineArticles.com/3942244</guid>
<pubDate>Thu, 25 Mar 2010 15:38:15 -0500</pubDate>
<description><![CDATA[A fixed period annuity is a type of annuity that pays out over a set number of years. Fixed period annuities are funded just like any other annuity either in a one lump payment into the account or by a start up payment and then continued payments, usually until you are ready to start receiving funds from the account. When setting up a fixed period annuity you will have the option to choose a fixed interest or variable interest rate as well as whether to receive immediate payments from the fund or to defer them.]]></description>
</item>
<item>
<title>What is a Financial Advisor?</title>
<link>http://EzineArticles.com/3893351</link>
<guid>http://EzineArticles.com/3893351</guid>
<pubDate>Tue, 09 Mar 2010 14:22:44 -0600</pubDate>
<description><![CDATA[A financial advisor is a professional who is trained and or certified to assist individuals in managing their investments by offering advice and guidance. Most beginners would be well advised to consult with a qualified financial advisor before embarking on an investment program.]]></description>
</item>
<item>
<title>What is a Savings Account?</title>
<link>http://EzineArticles.com/3851514</link>
<guid>http://EzineArticles.com/3851514</guid>
<pubDate>Tue, 02 Mar 2010 14:40:51 -0600</pubDate>
<description><![CDATA[Probably the most well-known of all savings vehicles, the savings account gets no respect. But this stodgy old investment vehicle has seen renewed interest in light of recent stock market losses.]]></description>
</item>
<item>
<title>What is a Traditional IRA?</title>
<link>http://EzineArticles.com/3831433</link>
<guid>http://EzineArticles.com/3831433</guid>
<pubDate>Fri, 26 Feb 2010 07:45:29 -0600</pubDate>
<description><![CDATA[A Traditional IRA is a type of Individual Retirement Account that has some very advantageous tax properties for many investors. If you have to ask, you probably need one.]]></description>
</item>
<item>
<title>What is a Savings Bond?</title>
<link>http://EzineArticles.com/3831352</link>
<guid>http://EzineArticles.com/3831352</guid>
<pubDate>Fri, 26 Feb 2010 07:17:58 -0600</pubDate>
<description><![CDATA[Savings bonds were first introduced in 1935 as a means for investment under President Franklin D. Roosevelt. Roosevelt used them as a way to raise money for the government at a time in our countries history when borrowing money from other countries was not an option.]]></description>
</item>
<item>
<title>What is a Checking Account?</title>
<link>http://EzineArticles.com/3797303</link>
<guid>http://EzineArticles.com/3797303</guid>
<pubDate>Mon, 22 Feb 2010 11:26:30 -0600</pubDate>
<description><![CDATA[A checking account can be considered the most basic personal finance account that anyone can own. It is an account that is provided to individuals from financial institutions, mainly banks and credit union. Checking accounts are service based accounts and allow account holders to easily access their money through deposits and withdrawals.]]></description>
</item>
<item>
<title>What is a 529 Savings Plan?</title>
<link>http://EzineArticles.com/3797268</link>
<guid>http://EzineArticles.com/3797268</guid>
<pubDate>Mon, 22 Feb 2010 11:26:03 -0600</pubDate>
<description><![CDATA[A 529 is an investment plan that was first introduced in 1996 and is meant as an avenue for helping parents to save money for their child's college education. Funds invested into a 529 plan can be used to fund college costs at just about any school of your choice. The funds can be used to pay for such things as tuition, room and board and any other mandatory college expenses.]]></description>
</item>
<item>
<title>What is an IRA?</title>
<link>http://EzineArticles.com/3789045</link>
<guid>http://EzineArticles.com/3789045</guid>
<pubDate>Fri, 19 Feb 2010 11:25:44 -0600</pubDate>
<description><![CDATA[An IRA is an Individual Retirement Account that allows individuals to invest and save money for retirement. Diligent saving in an IRA throughout your entire working career can make you very wealthy, which is reason enough to pay attention.]]></description>
</item>
<item>
<title>What is a Mutual Fund?</title>
<link>http://EzineArticles.com/3788382</link>
<guid>http://EzineArticles.com/3788382</guid>
<pubDate>Fri, 19 Feb 2010 08:11:10 -0600</pubDate>
<description><![CDATA[Mutual funds are a means of achieving broad diversification for a relatively small amount of money, diversification that probably wouldn't be possible to achieve otherwise for most small investors. Purchasing a fund is different than purchasing individual stocks or bonds. Instead, when you purchase a mutual fund you are gaining an ownership stake in an investment company.]]></description>
</item>
<item>
<title>What is a Roth IRA?</title>
<link>http://EzineArticles.com/3773962</link>
<guid>http://EzineArticles.com/3773962</guid>
<pubDate>Wed, 17 Feb 2010 13:51:17 -0600</pubDate>
<description><![CDATA[A Roth IRA (Individual Retirement Account) is an account that individuals can set up to put away funds for retirement. The opposite of 401k plans, Roth IRA's aren't eligible for an upfront tax deduction but instead are eligible for completely tax-free withdrawal at retirement age, which is a much better deal for most.]]></description>
</item>
<item>
<title>What is a 401K Retirement Plan?</title>
<link>http://EzineArticles.com/3773912</link>
<guid>http://EzineArticles.com/3773912</guid>
<pubDate>Wed, 17 Feb 2010 13:43:16 -0600</pubDate>
<description><![CDATA[A 401K is a retirement investment plan that is meant to be used for your retirement. These types of investment plans are almost always exclusively offered through employers and possess certain tax benefits that make them extremely attractive investment vehicles. Here's what you need to know.]]></description>
</item>
<item>
<title>Getting Rich is Simple</title>
<link>http://EzineArticles.com/3478644</link>
<guid>http://EzineArticles.com/3478644</guid>
<pubDate>Sun, 27 Dec 2009 10:19:39 -0600</pubDate>
<description><![CDATA[Getting rich is the American dream, but most people think wealth is out of their reach. Well, it's not, and here's how you get obtain it.]]></description>
</item>
<item>
<title>Investing in Certificates of Deposits</title>
<link>http://EzineArticles.com/3416217</link>
<guid>http://EzineArticles.com/3416217</guid>
<pubDate>Mon, 14 Dec 2009 11:04:14 -0600</pubDate>
<description><![CDATA[When most people think of saving and investing, particularly the older generations, they generally think of Certificates of Deposits (CDs). Here's all you need to know.]]></description>
</item>
<item>
<title>Get Rich Slowly With a Roth IRA</title>
<link>http://EzineArticles.com/3379226</link>
<guid>http://EzineArticles.com/3379226</guid>
<pubDate>Mon, 07 Dec 2009 12:58:47 -0600</pubDate>
<description><![CDATA[The Roth IRA is by far the best retirement-savings tool for the average American. Here's why.]]></description>
</item>
<item>
<title>Annuities For Beginners</title>
<link>http://EzineArticles.com/2445400</link>
<guid>http://EzineArticles.com/2445400</guid>
<pubDate>Thu, 26 Nov 2009 22:48:51 -0600</pubDate>
<description><![CDATA[With the stock market floundering, the real estate market drowning, and the bond market drudging along, investors have cultivated an appetite for guaranteed returns. Enter annuities.]]></description>
</item>
<item>
<title>CDs Versus Fixed Annuities</title>
<link>http://EzineArticles.com/3140346</link>
<guid>http://EzineArticles.com/3140346</guid>
<pubDate>Fri, 23 Oct 2009 16:09:43 -0500</pubDate>
<description><![CDATA[There has been a lot of talk lately promoting fixed annuities over certificates of deposit (CDs).  Does that mean fixed annuities are always the best choice?  Absolutely not!]]></description>
</item>
<item>
<title>Basic Portfolio Theory</title>
<link>http://EzineArticles.com/3001841</link>
<guid>http://EzineArticles.com/3001841</guid>
<pubDate>Wed, 30 Sep 2009 09:35:45 -0500</pubDate>
<description><![CDATA[In essence, portfolio theory (or more commonly, asset allocation) is all about minimizing risk and maximizing returns.  While stocks are expected to have the highest returns over the long term, that won't always be the case, especially over short periods of time. ]]></description>
</item>
<item>
<title>Do Annuities Have a Place in Your Portfolio?</title>
<link>http://EzineArticles.com/2917380</link>
<guid>http://EzineArticles.com/2917380</guid>
<pubDate>Sat, 19 Sep 2009 08:52:10 -0500</pubDate>
<description><![CDATA[The great crash of 2008 and subsequent recession has gotten people thinking about risk again, which is a very good thing. The downside of bringing risk back into the forefront, of course, is that the pendulum is beginning to swing a bit too far back in the other direction.]]></description>
</item>
<item>
<title>How Insurance Saves You Money</title>
<link>http://EzineArticles.com/2916922</link>
<guid>http://EzineArticles.com/2916922</guid>
<pubDate>Mon, 14 Sep 2009 18:08:07 -0500</pubDate>
<description><![CDATA[Auto insurance, health insurance, life insurance, dental insurance, homeowners insurance...it seems like you pay and pay and pay and never get anything in return from all those premiums you've thrown on the window. Ideally, you would only buy insurance you will eventually actually need. The problem with that, of course, is for that to work you'd have to know the future. Since nobody knows the future, we are forced to buy insurance to protect ourselves from a variety of disasters that probably won't actually happen, such as an earthquake, flood, or maybe an auto accident.]]></description>
</item>
<item>
<title>Does Refinancing Your Loan Make Sense?</title>
<link>http://EzineArticles.com/2863126</link>
<guid>http://EzineArticles.com/2863126</guid>
<pubDate>Thu, 03 Sep 2009 17:19:33 -0500</pubDate>
<description><![CDATA[Refinancing doesn't always make sense. Here's a simple formula you can use to find out if refinancing makes sense for you.]]></description>
</item>
<item>
<title>Save Money by Cutting Unnecessary Insurance Coverage</title>
<link>http://EzineArticles.com/2832855</link>
<guid>http://EzineArticles.com/2832855</guid>
<pubDate>Thu, 27 Aug 2009 21:10:53 -0500</pubDate>
<description><![CDATA[Let's face it, the insurance wouldn't exist if it wasn't a money-maker. The fact that there are so many different insurance companies insuring so many different kinds of risk implies that it's an extremely profitable endeavor. And if the insurance companies are making money, it's probably safe to assume that you're losing it.]]></description>
</item>
<item>
<title>Get Back to the Basics of Personal Finance</title>
<link>http://EzineArticles.com/2795744</link>
<guid>http://EzineArticles.com/2795744</guid>
<pubDate>Mon, 24 Aug 2009 09:58:29 -0500</pubDate>
<description><![CDATA[With all the conflicting financial advice you get from television, magazines, newspapers, and the internet, it's easy to conclude that personal finance is roughly as difficult as putting a man on the moon; however, nothing could be further from the truth.  Fact is, the financial media has a vested interest in making things seem hard.]]></description>
</item>
<item>
<title>Avoid Narrowly-Focused Insurance Policies</title>
<link>http://EzineArticles.com/2763883</link>
<guid>http://EzineArticles.com/2763883</guid>
<pubDate>Fri, 14 Aug 2009 22:51:54 -0500</pubDate>
<description><![CDATA[Insurance companies make a large portion of their profits from writing non-core, narrowly-focused insurance policies for hapless consumers.  Why?  Because these policies are almost always slanted in favor of the insurance company.]]></description>
</item>
<item>
<title>Annuities 101 - Income Annuities</title>
<link>http://EzineArticles.com/2671285</link>
<guid>http://EzineArticles.com/2671285</guid>
<pubDate>Tue, 28 Jul 2009 15:56:58 -0500</pubDate>
<description><![CDATA[Annuities often get a bad rap, and deservedly so, but there's one type of annuity that deserves a place in many retirees' portfolio:  the immediate (or income) annuity.  Here's what you need to know to make an informed decision.]]></description>
</item>
<item>
<title>Investing For College - Choose the Right Account</title>
<link>http://EzineArticles.com/2406739</link>
<guid>http://EzineArticles.com/2406739</guid>
<pubDate>Tue, 07 Jul 2009 13:25:06 -0500</pubDate>
<description><![CDATA[Choosing the right account for your child's college savings can go a long way towards either making or breaking your savings efforts.  There are two primary accounts most families will want to consider, the 529 College Savings Plan or the Coverdell Education Savings Account.]]></description>
</item>
<item>
<title>Where Can I Get My Credit Report For Free Annually?</title>
<link>http://EzineArticles.com/2445002</link>
<guid>http://EzineArticles.com/2445002</guid>
<pubDate>Fri, 26 Jun 2009 16:54:14 -0500</pubDate>
<description><![CDATA[With all the commercials out there advertising free credit reports, credit monitoring, etc, you might find it difficult to sort out which products are for real and which are scams.  Annualcreditreport dot com is the official place to get the contents of your credit report for free as required by the U.S. government.]]></description>
</item>
<item>
<title>Wise Investors Only Buy No-Load Mutual Funds</title>
<link>http://EzineArticles.com/2406713</link>
<guid>http://EzineArticles.com/2406713</guid>
<pubDate>Fri, 29 May 2009 16:57:01 -0500</pubDate>
<description><![CDATA[The invention of no-load mutual funds is among the best things to have happened to the American middle class in decades.  Now more than ever before, small investors have an opportunity to grow their wealth without the drag of excessive fees.]]></description>
</item>
<item>
<title>Managed Mutual Funds Vs Index Funds</title>
<link>http://EzineArticles.com/2338303</link>
<guid>http://EzineArticles.com/2338303</guid>
<pubDate>Thu, 14 May 2009 09:46:15 -0500</pubDate>
<description><![CDATA[Those of you who have just started investing may have heard the terms "actively-managed mutual fund" and "index fund" thrown around by personal finance advice columnists, bloggers, and the financial media.  Knowing the difference could spell the difference between living in style or poverty in retirement!]]></description>
</item>
<item>
<title>Improve Your Finances Dramatically With the Following Tips</title>
<link>http://EzineArticles.com/2312619</link>
<guid>http://EzineArticles.com/2312619</guid>
<pubDate>Thu, 07 May 2009 13:26:15 -0500</pubDate>
<description><![CDATA[With consumer debt levels at an all-time high and personal savings rates near an all-time low, you'd think personal finance was rocket science.  It's not.  Use the following trips to dramatically improve your finances quicker than you think!]]></description>
</item>
<item>
<title>Checking Your Credit Report Can Save You Money</title>
<link>http://EzineArticles.com/2270383</link>
<guid>http://EzineArticles.com/2270383</guid>
<pubDate>Tue, 28 Apr 2009 12:50:37 -0500</pubDate>
<description><![CDATA[Did you know that one in four consumer credit reports contain errors serious enough for lenders to deny you access to the best rates or even refuse to lend you money entirely?  Unbelievable as that may sound, it's true!  And it can cost you thousands.]]></description>
</item>
<item>
<title>Investing 101 - Taxes and Investing</title>
<link>http://EzineArticles.com/2099028</link>
<guid>http://EzineArticles.com/2099028</guid>
<pubDate>Tue, 17 Mar 2009 15:20:40 -0500</pubDate>
<description><![CDATA[It is often said only two things in life are certain: death and taxes. Next to coming up with a proper asset allocation, taxes are probably the most important factor that will determine your long-term investing success. As you will see, when and how you pay taxes can have a dramatic impact on your long-term returns.]]></description>
</item>
<item>
<title>Investing 101 - What is an IRA?</title>
<link>http://EzineArticles.com/1838262</link>
<guid>http://EzineArticles.com/1838262</guid>
<pubDate>Tue, 24 Feb 2009 12:51:13 -0600</pubDate>
<description><![CDATA[The Individual Retirement Account (or IRA), was created by Congress as a way to provide tax-advantaged retirement savings to workers not covered under an employer-sponsored plan.  Here are the basics of what you need to know.]]></description>
</item>
<item>
<title>Investing 101 - How to Buy and Sell Stocks</title>
<link>http://EzineArticles.com/1874123</link>
<guid>http://EzineArticles.com/1874123</guid>
<pubDate>Wed, 14 Jan 2009 14:40:36 -0600</pubDate>
<description><![CDATA[When it comes to investing in the stocks of public corporations, most Americans predominately buy mutual funds, which are professionally-managed investment pools in which you cast your lot with thousands if not millions of other small investors. Mutual funds are a great way to gain an instantly diversified portfolio for a relatively small initial investment, but some investors may want to venture outside the world of mutual funds and buy individual stocks.]]></description>
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<title>Investing 101 - What is a 401k?</title>
<link>http://EzineArticles.com/1824940</link>
<guid>http://EzineArticles.com/1824940</guid>
<pubDate>Mon, 29 Dec 2008 15:14:58 -0600</pubDate>
<description><![CDATA[In essence, your company's 401k plan allows you to save money for retirement while decreasing your current tax bill.  This makes it a powerful savings tool practically every worker should take advantage of.  Here are the basics.]]></description>
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<title>Investing 101 - Index Funds</title>
<link>http://EzineArticles.com/1821018</link>
<guid>http://EzineArticles.com/1821018</guid>
<pubDate>Mon, 29 Dec 2008 08:28:25 -0600</pubDate>
<description><![CDATA[Index funds are a special sort of mutual fund which seeks to track a market index, such as the S&P 500 and doesn't attempt to beat the market through shrewd trading.  Here's why that's a good thing.]]></description>
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<title>Investing 101 - What is a Mutual Fund?</title>
<link>http://EzineArticles.com/1742199</link>
<guid>http://EzineArticles.com/1742199</guid>
<pubDate>Tue, 02 Dec 2008 14:03:00 -0600</pubDate>
<description><![CDATA[Mutual funds are a genuine miracle of modern finance.  Without a doubt, every investor in America should own one if not more.  Here's why.]]></description>
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<title>Most Actively-Managed Mutual Funds Fail To Beat The Market</title>
<link>http://EzineArticles.com/1125285</link>
<guid>http://EzineArticles.com/1125285</guid>
<pubDate>Thu, 24 Apr 2008 13:53:47 -0500</pubDate>
<description><![CDATA[Most investors attempt to beat the market at some point in their investing career.  Many people think by looking at a fund manager's past record or carefully examining mutual fund statistics and ratings from companies such as Morningstar or Kiplinger, they can identify ahead of time which fund managers are likely to beat the market's return going forward and allocate their portfolio accordingly.  This is a fool's errand.]]></description>
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<title>Increase Investment Returns and Decrease Risk With Proper Asset Allocation</title>
<link>http://EzineArticles.com/1124453</link>
<guid>http://EzineArticles.com/1124453</guid>
<pubDate>Thu, 24 Apr 2008 12:49:25 -0500</pubDate>
<description><![CDATA[You've no doubt heard the expression "don't put all your eggs in one basket".  Nowhere is this saying more relevant than in the realm of investing.  Diversifying your investment portfolio can increase your returns and reduce your risk at the same time.]]></description>
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<title>5 Ways to Lower Your Car Insurance Premiums</title>
<link>http://EzineArticles.com/1123011</link>
<guid>http://EzineArticles.com/1123011</guid>
<pubDate>Thu, 24 Apr 2008 09:47:41 -0500</pubDate>
<description><![CDATA[While many things that affect your car insurance premiums are beyond your control (such as your past driving record, oops), there are some factors you can control.  Here are 5 tips to that can help in lowering your car insurance premiums.]]></description>
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<title>Retire Rich By Dollar Cost Averaging</title>
<link>http://EzineArticles.com/1113003</link>
<guid>http://EzineArticles.com/1113003</guid>
<pubDate>Fri, 18 Apr 2008 10:23:15 -0500</pubDate>
<description><![CDATA[Dollar cost averaging is the process of investing a fixed sum of money in the market at fixed intervals, usually monthly or bi-monthly, regardless of market conditions, valuation, or economic outlook.  As a small individual investor saving for retirement, dollar cost averaging monthly into your retirement account is your best bet for retiring rich.]]></description>
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<title>Two Ways To Hedge The Falling Dollar</title>
<link>http://EzineArticles.com/1093244</link>
<guid>http://EzineArticles.com/1093244</guid>
<pubDate>Wed, 09 Apr 2008 15:07:13 -0500</pubDate>
<description><![CDATA[With the dollar getting weaker every day, prudent investors need to take action to hedge their exposure to the ailing greenback.  I'm not suggesting you dump all your stocks and buy gold and wheat futures, but the trend is too strong to ignore.  Here are two simple ways to hedge your bets. ]]></description>
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<title>Concentrate On Investment Factors You Can Control</title>
<link>http://EzineArticles.com/1083291</link>
<guid>http://EzineArticles.com/1083291</guid>
<pubDate>Fri, 04 Apr 2008 14:13:35 -0500</pubDate>
<description><![CDATA[Sure, everybody wants to buy the next Microsoft or find the next superstar mutual fund manager that will allow them to cruise comfortably into retirement without saving another dime, but what do you think are the chances of that happening?  Probably no higher than winning the lottery or hitting the jackpot in Vegas.  Instead of wasting time an effort pursuing the proverbial pot o' gold at the end of the rainbow, it's better to focus on what you CAN control in investing. ]]></description>
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<title>How To Curb Lifestyle Inflation</title>
<link>http://EzineArticles.com/1083268</link>
<guid>http://EzineArticles.com/1083268</guid>
<pubDate>Fri, 04 Apr 2008 14:11:53 -0500</pubDate>
<description><![CDATA[Lifestyle inflation is that nasty habit you have of raising your expenses every time you get a raise or a large bonus rather than pocketing the extra cash.  Here are three tips to keep it under control.]]></description>
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<title>7 Ways to Increase Your Investment Returns</title>
<link>http://EzineArticles.com/1077328</link>
<guid>http://EzineArticles.com/1077328</guid>
<pubDate>Wed, 02 Apr 2008 11:39:51 -0500</pubDate>
<description><![CDATA[You don't have to be a financial genius to increase your investment returns.  Here are some simple ways to increase your investment returns without much work.]]></description>
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<title>How Do You Know When To Sell An Investment?</title>
<link>http://EzineArticles.com/1060806</link>
<guid>http://EzineArticles.com/1060806</guid>
<pubDate>Tue, 25 Mar 2008 13:20:47 -0500</pubDate>
<description><![CDATA[Sometimes, investments just don't work out the way we intended them to.  How do you know when to sell?  Like pretty much everything else, the answer is "it depends".]]></description>
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<title>Earn Above-Average Returns With Index Funds</title>
<link>http://EzineArticles.com/1057356</link>
<guid>http://EzineArticles.com/1057356</guid>
<pubDate>Fri, 21 Mar 2008 14:38:21 -0500</pubDate>
<description><![CDATA[Practically everybody attempts to beat the market at some point in their investing career and sadly most will fail.  Fortunately, there is a simple way to guarantee yourself above-average returns with virtually no work: investing in index funds.]]></description>
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<title>4 Tips To Navigate A Volatile Market</title>
<link>http://EzineArticles.com/1047465</link>
<guid>http://EzineArticles.com/1047465</guid>
<pubDate>Tue, 18 Mar 2008 16:10:55 -0500</pubDate>
<description><![CDATA[In difficult markets, we are bombarded with advice on how to preserve our nest egg.  From timing the market to buying commodities to hedging with pork belly futures, there's no shortage of information.  It really doesn't have to be that complicated.  Here are four simple tips to guide you.]]></description>
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<title>Get Rich In 3 Easy Steps</title>
<link>http://EzineArticles.com/1042879</link>
<guid>http://EzineArticles.com/1042879</guid>
<pubDate>Fri, 14 Mar 2008 10:48:42 -0500</pubDate>
<description><![CDATA[Getting rich in America has never been easier.  Follow these 3 easy steps and you're sure to retire wealthy.]]></description>
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<title>5 Ways to Make the Most of a Bad 401k Plan</title>
<link>http://EzineArticles.com/1005779</link>
<guid>http://EzineArticles.com/1005779</guid>
<pubDate>Wed, 27 Feb 2008 13:43:08 -0600</pubDate>
<description><![CDATA[Company 401k plans are notorious for being filled with expensive, sub-par mutual fund options more likely to line your fund provider's pocket than your own.  If this is the case with your plan, you have two equally unpleasant choices: a.) you can forego the plan completely, forsaking the tax deduction and your future retirement security in the process or b.]]></description>
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