<?xml version="1.0" encoding="windows-1252"?><rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/">
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    <title>Personal Finance</title>
    <link>http://personal-finance.savingadvice.com</link>
    <description>Common sense information about personal finances and saving money</description>
	<webMaster>info@savingadvice.com</webMaster>
	<managingEditor>jeffrey</managingEditor>
    <language>en-us</language>
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      <title>Use Forum Points to Earn Prizes</title>
      <link>http://personal-finance.savingadvice.com/2008/05/10/use-forum-points-to-earn-prizes_38811/</link>
      <description>We have decided to stop the point auctions and will now sell various financial books and money prizes for points:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/37388-points.html&quot; target=&quot;_blank&quot;&gt;Forum Points&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
I have more prizes to list which I should be doing this week and hopefully we can fins something that you feel is worthwhile to use your points on...</description>
      <pubDate>Sat, 10 May 2008 05:40:32 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Free$100 Gift Card and $10 ING Conversion End Tonight (3/20)</title>
      <link>http://personal-finance.savingadvice.com/2008/03/20/free100-gift-card-and-10-ing-conversion-_36837/</link>
      <description>There are two point auctions in the forums ending tonight - one for $100 bank gift card and one for $10 ING conversion:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/35921-100-bank-gift-card-points-auction-ends-3-20-a.html&quot; target=&quot;_blank&quot;&gt;$100 Bank Gift Card&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/36386-10-ing-conversion-point-auction-ends-3-20-a.html&quot; target=&quot;_blank&quot;&gt;$10 ING Conversion&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
We've been giving away quite a bit of &lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/announcements.html&quot; target=&quot;_blank&quot;&gt;free money&lt;/a&gt; - hope to see you bid.</description>
      <pubDate>Thu, 20 Mar 2008 00:20:08 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>$10 and Book Point Auctions Ending Tonight (3/15)</title>
      <link>http://personal-finance.savingadvice.com/2008/03/15/10-and-book-point-auctions-ending-tonigh_36652/</link>
      <description>We have two point auctions ending tonight. One is a quick, one day $10 ING point conversion auction:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/36018-10-ing-conversion-points-auction-ends-3-15-a.html&quot; target=&quot;_blank&quot;&gt;$10 ING Conversion&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
and one for a personal finance book:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/35577-financial-bliss-points-auction-ends-3-15-a.html&quot; target=&quot;_blank&quot;&gt;Financial Bliss&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
Hope to see all of you participating in the bidding.&lt;br /&gt;
&lt;br /&gt;
</description>
      <pubDate>Sat, 15 Mar 2008 09:34:59 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Free $100 Gift Card - Point Auction</title>
      <link>http://personal-finance.savingadvice.com/2008/03/13/free-100-gift-card-point-auction_36580/</link>
      <description>We have started &quot;point auctions&quot; in the forums. This is where you can use the points that you have accumulated from posting in the forums to bid on prizes that we will give away. We currently have 3 point auction live:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/35920-10-ing-conversion-points-auction-ends-3-14-a.html&quot; target=&quot;_blank&quot;&gt;ING Invite Conversion $10 Point Auction&lt;/a&gt; (ends 3/14)&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/35577-financial-bliss-points-auction-ends-3-15-a.html&quot; target=&quot;_blank&quot;&gt;Financial Bliss&lt;/a&gt;...</description>
      <pubDate>Thu, 13 Mar 2008 12:25:49 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Free $10 - ends tonight</title>
      <link>http://personal-finance.savingadvice.com/2008/03/11/free-10-ends-tonight_36509/</link>
      <description>We have started &quot;point auctions&quot; in the forums. This is where you can use the points that you have accumulated from posting in the forums to bid on prizes that we will give away. The first point auction ended at midnight and I've posted a new one that is worth $10 which will end tonight...</description>
      <pubDate>Tue, 11 Mar 2008 09:15:55 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Free $10 Point Auction</title>
      <link>http://personal-finance.savingadvice.com/2008/03/09/free-10-point-auction_36430/</link>
      <description>We are starting &quot;point auctions&quot; in the forums. This is where you can use the points that you have accumulated from posting in the forums to bid on prizes that we will give away. The first point auction will end on Monday is is worth $10&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/general-discussion/35607-10-you-ing-conversion-points-auction-ends-3-10-a.html&quot; target=&quot;_blank&quot;&gt;ING Invite Conversion $10 Point Auction&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
We...</description>
      <pubDate>Sun, 09 Mar 2008 01:55:50 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Blog Contest  6/6 - 6/12 &quot;Debt&quot;</title>
      <link>http://personal-finance.savingadvice.com/2007/06/05/blog-contest-66-612-debt_26914/</link>
      <description>Don't forget to vote for the entries in the last 2 blogging contests:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/28589-final-vote-best-post-secret-blogging-contest.html&quot; target=&quot;_blank&quot;&gt;Final Vote: &quot;The Secrets Of...&quot; Blog Contest&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/28588-final-vote-best-post-top-10-blogging-contest.html&quot; target=&quot;_blank&quot;&gt;Final Vote: &quot;Top Ten...&quot;Blog Contest&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
This week's contest theme will be &quot;Debt&quot;. Blog about your thoughts, helpful hints, your experience...anything that deals...</description>
      <pubDate>Tue, 05 Jun 2007 21:25:28 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Blogging Contest: 5/30 - 6/5  &quot;Secrets of &quot;</title>
      <link>http://personal-finance.savingadvice.com/2007/05/30/blogging-contest-530-65-the-secret-of_26650/</link>
      <description>This week's contest will be &quot;The secret of ______&quot;. Be creative and have fun. Simply begin your post &quot;The secret of&quot; and it will be entered (note, if you don't see it listed &lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/28435-blogging-contest-5-30-6-5-secret.html&quot; target=&quot;_blank&quot;&gt;here&lt;/a&gt; before you add another post to your blog, please leave a message in that thread so I don't accidentally...</description>
      <pubDate>Wed, 30 May 2007 18:41:35 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Blog Contest 5/23 - 5/29  &quot;Top 10&quot;</title>
      <link>http://personal-finance.savingadvice.com/2007/05/23/blog-contest-523-529-top-10_26378/</link>
      <description>This week's contest will be &quot;Top 10&quot; (actually, you can use any number you want - top 3, top 5, top 25 - whatever) about anything. Be creative and have fun. Simply begin your post &quot;Top ??&quot; and it will be entered (note, if you don't see it listed &lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/28286-blogging-contest-5-23-5-29-top-10-a.html&quot; target=&quot;_blank&quot;&gt;on this page&lt;/a&gt; before you add another...</description>
      <pubDate>Wed, 23 May 2007 17:10:06 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Confessions of a Dumpster Driver</title>
      <link>http://personal-finance.savingadvice.com/2007/05/04/confessions-of-a-dumpster-driver_25641/</link>
      <description>&lt;i&gt;The following was sent in by Dave, a savingadvice member that doesn't have a blog and didn't want to start one for just one post, but wanted to enter the contest.&lt;/i&gt;:&lt;br /&gt;
&lt;br /&gt;
If you have never dumpster dived, then you probably have an image that isn't too positive about this activity. I...</description>
      <pubDate>Fri, 04 May 2007 06:48:28 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Blog Contest 5/1 - 5/15: Confessions</title>
      <link>http://personal-finance.savingadvice.com/2007/05/01/blog-contest-51-515-confessions_25548/</link>
      <description>The &lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/27533-blogging-contest-4-18-4-30-a.html&quot; target=&quot;_blank&quot;&gt;first blogging contest&lt;/a&gt; is over and we had 19 entries. You can vote for your favorites. The entries have been divided into 4 groups and voting will last 1 week. The top 2 from each group will be in the finals for the prizes. You can vote here:&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/27845-vote-your-favorite-how-post-group-1-a.html&quot; target=&quot;_blank&quot;&gt;Group 1&lt;/a&gt;&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/27846-vote-your-favorite-how-post-group-2-a.html&quot; target=&quot;_blank&quot;&gt;Group 2&lt;/a&gt;&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/27847-vote-your-favorite-how-post-group-3-a.html&quot; target=&quot;_blank&quot;&gt;Group 3&lt;/a&gt;&lt;br /&gt;
&lt;a href=&quot;http://www.savingadvice.com/forums/personal-finance-blogs/27848-vote-your-favorite-how-post-group-4-a.html&quot; target=&quot;_blank&quot;&gt;Group 4&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
The...</description>
      <pubDate>Tue, 01 May 2007 19:42:52 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Blogging Contest 4-18 - 4-30</title>
      <link>http://personal-finance.savingadvice.com/2007/04/18/blogging-contest-4-18-4-30_25040/</link>
      <description>This is going to be a test to see how much interest there is in something like this for those of you writing blogs. We are going to have a little blogging contest with small prizes: $25, $15 and $10&lt;br /&gt;
&lt;br /&gt;
The theme is: &quot;How to....&quot;&lt;br /&gt;
&lt;br /&gt;
You can write a post on anything with a How To theme....</description>
      <pubDate>Wed, 18 Apr 2007 15:25:12 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Money Links</title>
      <link>http://personal-finance.savingadvice.com/2007/04/01/money-links_24264/</link>
      <description>Free Gmail Paper: This is a great idea from Google. Can't wait to try it out:&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;Yes. The cost of postage is offset with the help of relevant, targeted, unobtrusive advertisements, which will appear on the back of your Gmail Paper prints in red, bold, 36 pt Helvetica. No pop-ups, no flashy animations—these are physically impossible in the paper medium.&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
Free...</description>
      <pubDate>Sun, 01 Apr 2007 05:50:10 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Idea From The Coupon Lady</title>
      <link>http://personal-finance.savingadvice.com/2007/02/06/idea-from-the-coupon-lady_21924/</link>
      <description>When I was back in the US, I was at the grocery store one day when I saw this lady walking up and down the aisles filling her cart off here list, but also sticking pieces of paper on products on the selves from time to time. When I went buy, I noticed that she was taping coupons to...</description>
      <pubDate>Tue, 06 Feb 2007 19:54:25 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Superbowl Sunday: Productivity Opportunity</title>
      <link>http://personal-finance.savingadvice.com/2007/01/29/superbowl-sunday-productivity-opportunit_21450/</link>
      <description>When I was living in the US, I loved Superbowl Sunday, but probably not for the reasons you're thinking. I didn't actually watch the Superbowl. Instead, it was by far the best skiing day of the year. There wasn't another Sunday during the year when you could ski up to a lift without...</description>
      <pubDate>Mon, 29 Jan 2007 18:20:19 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Money Superstition</title>
      <link>http://personal-finance.savingadvice.com/2007/01/21/money-superstition_20983/</link>
      <description>There are a lot of money superstitions out there, but I learned a new one when I went to the God of Wealth shrine the other day. &lt;br /&gt;
&lt;br /&gt;
As we were taking a short rest and drinking sweet rice wine called amazake. I noticed there were a couple of money notes on the wall hanging upside down....</description>
      <pubDate>Sun, 21 Jan 2007 07:35:26 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>God Of Wealth Shrine</title>
      <link>http://personal-finance.savingadvice.com/2007/01/20/god-of-wealth-shrine_20920/</link>
      <description>My wife and I went on our annual trip to the God of Wealth (Ebisuten) shrine in Osaka to make our personal finance prayers for the year and to buy good luck charms for Nate and I for our business. here are a few photos from the trip:&lt;br /&gt;
&lt;br /&gt;
My wife washing her hands before entering the...</description>
      <pubDate>Sat, 20 Jan 2007 05:53:29 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>The Cutest Tax Deduction</title>
      <link>http://personal-finance.savingadvice.com/2007/01/02/the-cutest-tax-deduction_19748/</link>
      <description>Ah, if taxes could only make us smile like this all the time...&lt;br /&gt;
&lt;br /&gt;
&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=personal-finance&amp;id=1295&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=personal-finance&amp;id=1295&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
Courtesy of blakefacey</description>
      <pubDate>Tue, 02 Jan 2007 23:09:53 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>I Love Nude Yoga!</title>
      <link>http://personal-finance.savingadvice.com/2006/12/27/i-love-nude-yoga_19321/</link>
      <description>I, apparently, am fond of nude yoga. I found this out today when a reader sent me the following Amazon reviews that &quot;Jeffrey Strain&quot; wrote (he wanted to know if I had written them). I also apparently find &lt;i&gt;Nude Personal Training&lt;/i&gt; &quot;An Inspirational Exercise Tape&quot; and was disappointed...</description>
      <pubDate>Wed, 27 Dec 2006 17:59:21 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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      <title>Worthless or Not?</title>
      <link>http://personal-finance.savingadvice.com/2006/12/08/worthless-or-not_18594/</link>
      <description>I was sent quite an email in regard to the post I made about the secret of becoming rich: &lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;If we already know everything and you can't teach us anything new, then you're worthless. Why should we waste out time reading your drivel? You should be ashamed at making your living doing something that isn't worthwhile to anyone...&lt;/i&gt;&lt;br /&gt;
&lt;br /&gt;
While...</description>
      <pubDate>Fri, 08 Dec 2006 16:08:49 PST</pubDate>
	  <author>info@savingadvice.com (jeffrey)</author>
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