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	<title>SavingAdvice.com Blog &#187; Insurance</title>
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	<link>http://www.savingadvice.com/articles</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>5 Life Insurance Commercials That Will Make You Cry</title>
		<link>http://www.savingadvice.com/articles/2012/01/04/107888_5-life-insurance-commercials-that-will-make-you-cry.html</link>
		<comments>http://www.savingadvice.com/articles/2012/01/04/107888_5-life-insurance-commercials-that-will-make-you-cry.html#comments</comments>
		<pubDate>Wed, 04 Jan 2012 16:47:31 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Financial Videos]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[cry]]></category>
		<category><![CDATA[financial commercials]]></category>
		<category><![CDATA[great commercials]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[sentimental]]></category>
		<category><![CDATA[tears]]></category>
		<category><![CDATA[Thai life insurance commercials]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7888</guid>
		<description><![CDATA[When it comes to getting life insurance, most of us tend to shy away from really thinking about why we need it. It doesn&#8217;t matter whether you fall into the low risk or high risk life insurance category, we&#8217;d all rather ignore the reason that it&#8217;s purchased in the first place. For this reason, most [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Money Lessons Learned From Home Construction</title>
		<link>http://www.savingadvice.com/articles/2011/12/01/108236_money-lessons-learned-from-home-construction.html</link>
		<comments>http://www.savingadvice.com/articles/2011/12/01/108236_money-lessons-learned-from-home-construction.html#comments</comments>
		<pubDate>Thu, 01 Dec 2011 16:41:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[additions]]></category>
		<category><![CDATA[amenities]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[foundation]]></category>
		<category><![CDATA[framing]]></category>
		<category><![CDATA[home construction]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[roof]]></category>
		<category><![CDATA[the footing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8236</guid>
		<description><![CDATA[Many years ago I worked in a municipal permits and inspections department. Builders came in and applied for permits, we issued them and then took care of the inspections to make sure that homes and business were being built according to the current building codes. You wouldn&#8217;t think there would be too many money lessons [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/12/01/108236_money-lessons-learned-from-home-construction.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Smoking Costs Much More Than The Price of Cigarettes</title>
		<link>http://www.savingadvice.com/articles/2011/11/26/108242_smoking-costs-much-more-than-cigarette-costs.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/26/108242_smoking-costs-much-more-than-cigarette-costs.html#comments</comments>
		<pubDate>Sat, 26 Nov 2011 20:56:29 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[cost of bad habits]]></category>
		<category><![CDATA[cost of cigarettes]]></category>
		<category><![CDATA[cost of smoking]]></category>
		<category><![CDATA[devalued assets]]></category>
		<category><![CDATA[smell of smoke]]></category>
		<category><![CDATA[smoker assets]]></category>
		<category><![CDATA[smoker insurance rates]]></category>
		<category><![CDATA[smoking]]></category>
		<category><![CDATA[smoking costs]]></category>
		<category><![CDATA[stop smoking]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8242</guid>
		<description><![CDATA[Most people only consider the cost of cigarettes when they calculate how much smoking is costing them. It&#8217;s easy to calculate this cost as you know exactly how much you are handing over in cash for each pack of cigarettes you purchase. The truth, however, is that the cost of cigarettes is only a small [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Prepare for Financial Independence</title>
		<link>http://www.savingadvice.com/articles/2011/11/10/107995_prepare-for-financial-independence.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/10/107995_prepare-for-financial-independence.html#comments</comments>
		<pubDate>Thu, 10 Nov 2011 17:39:38 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[financial independence]]></category>
		<category><![CDATA[financial preparations]]></category>
		<category><![CDATA[financial skills]]></category>
		<category><![CDATA[learn to budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7995</guid>
		<description><![CDATA[The daughter of a friend of mine is getting married in a few weeks. While the guy seems very nice, I&#8217;m worried about the match. The daughter isn&#8217;t, in any way, prepared for financial independence. She just finished college and hasn&#8217;t had a &#8220;real&#8221; job yet. She only makes a few hundred dollars per month [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/10/107995_prepare-for-financial-independence.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>10 Things Women Need To Know About Divorce In The Current Economy</title>
		<link>http://www.savingadvice.com/articles/2011/10/12/107812_10-things-women-need-to-know-about-divorce-in-the-current-economy.html</link>
		<comments>http://www.savingadvice.com/articles/2011/10/12/107812_10-things-women-need-to-know-about-divorce-in-the-current-economy.html#comments</comments>
		<pubDate>Wed, 12 Oct 2011 23:00:56 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[after divorce]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[divorce facts]]></category>
		<category><![CDATA[divorce steps]]></category>
		<category><![CDATA[Lee Block]]></category>
		<category><![CDATA[money and divorce]]></category>
		<category><![CDATA[women divorce]]></category>
		<category><![CDATA[women finances]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7812</guid>
		<description><![CDATA[With the nation&#8217;s still-struggling economy continuing to make headlines women need to know some facts about divorce. High unemployment rates, bank closures, skyrocketing foreclosures and other grim financial news are commonplace. It&#8217;s enough to make us all run screaming for the hills – or some idyllic paradise in which money isn&#8217;t a problem. (If you [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/10/12/107812_10-things-women-need-to-know-about-divorce-in-the-current-economy.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Vanishing Deductible Catch</title>
		<link>http://www.savingadvice.com/articles/2011/08/02/107511_the-vanishing-deductible-catch.html</link>
		<comments>http://www.savingadvice.com/articles/2011/08/02/107511_the-vanishing-deductible-catch.html#comments</comments>
		<pubDate>Tue, 02 Aug 2011 17:56:49 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[disappearing deductible]]></category>
		<category><![CDATA[insurance deductible]]></category>
		<category><![CDATA[Nationwide insurance]]></category>
		<category><![CDATA[vanishing deductible]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7511</guid>
		<description><![CDATA[You may have seen commercials on TV advertising a &#8220;vanishing deductible&#8221; (also commonly called a disappearing deductible) and thought it was a great idea. The concept is pretty straight forward and seems easy to understand: If you are accident and moving violation free for a year, your car insurance deductible is reduced by a certain [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/08/02/107511_the-vanishing-deductible-catch.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>A Cautionary Tale About Legalities, Saving For The Future, and Insurance</title>
		<link>http://www.savingadvice.com/articles/2011/06/14/107353_a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance.html</link>
		<comments>http://www.savingadvice.com/articles/2011/06/14/107353_a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance.html#comments</comments>
		<pubDate>Tue, 14 Jun 2011 09:12:37 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[flood insurance]]></category>
		<category><![CDATA[house taxes]]></category>
		<category><![CDATA[land not owned]]></category>
		<category><![CDATA[losing your home]]></category>
		<category><![CDATA[rent free]]></category>
		<category><![CDATA[tax free]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7353</guid>
		<description><![CDATA[A friend of mine told me a sad story yesterday. Her parents are going to have to move in with her sister who lives in a different state. I assumed that the reason was because the parents had become frail or because they wanted to be nearer to their grandkids. But, no. The reason the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/06/14/107353_a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>A Reminder of What Matters</title>
		<link>http://www.savingadvice.com/articles/2011/04/25/107142_a-reminder-of-what-matters.html</link>
		<comments>http://www.savingadvice.com/articles/2011/04/25/107142_a-reminder-of-what-matters.html#comments</comments>
		<pubDate>Mon, 25 Apr 2011 09:19:32 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[emergenct fund]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[important things in life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[property insurance]]></category>
		<category><![CDATA[stuff can be replaced]]></category>
		<category><![CDATA[what matters]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7142</guid>
		<description><![CDATA[Normally I write about ways to save and make money. It&#8217;s a necessary part of life, particularly if you want to live responsibly and well. But today I am reminded that, while money may matter, it is far from the most important thing in life. My area was hit by deadly tornadoes this week. The [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/04/25/107142_a-reminder-of-what-matters.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Turning Awful Events to Your Advantage</title>
		<link>http://www.savingadvice.com/articles/2011/03/01/107027_turning-awful-events-to-your-advantage.html</link>
		<comments>http://www.savingadvice.com/articles/2011/03/01/107027_turning-awful-events-to-your-advantage.html#comments</comments>
		<pubDate>Tue, 01 Mar 2011 08:43:37 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[awful events]]></category>
		<category><![CDATA[awful moments]]></category>
		<category><![CDATA[bad situations]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[disasters]]></category>
		<category><![CDATA[fire]]></category>
		<category><![CDATA[floods]]></category>
		<category><![CDATA[illness]]></category>
		<category><![CDATA[making the best]]></category>
		<category><![CDATA[recovering from disaster]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7027</guid>
		<description><![CDATA[No one (at least not anyone sane) wishes for awful things to happen in life. Death, illness, fire, floods and disasters are things no one likes to think about. We dread the day when we get that phone call telling us someone we love has died, or that our house is on fire. As bad [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/03/01/107027_turning-awful-events-to-your-advantage.html/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance Alternatives</title>
		<link>http://www.savingadvice.com/articles/2011/02/25/107012_life-insurance-alternatives.html</link>
		<comments>http://www.savingadvice.com/articles/2011/02/25/107012_life-insurance-alternatives.html#comments</comments>
		<pubDate>Fri, 25 Feb 2011 19:56:12 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card life insurance]]></category>
		<category><![CDATA[employer life insurance]]></category>
		<category><![CDATA[flight life insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[loan insurance]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[rental car life insurance]]></category>
		<category><![CDATA[TV life insurance]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7012</guid>
		<description><![CDATA[Life insurance is one of those things that many of us know we should have, but often don&#8217;t get. You need life insurance if you have people who depend on your income. It&#8217;s designed to provide money in the event of your death so that your surviving spouse and any children can continue to cover [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/02/25/107012_life-insurance-alternatives.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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