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	<title>SavingAdvice.com Blog &#187; Ann Hartter</title>
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	<link>http://www.savingadvice.com/blog</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Seventeen Things to Do When You&#8217;re Out of Work</title>
		<link>http://www.savingadvice.com/blog/2009/01/29/103982_seventeen-things-to-do-when-youre-out-of-work.html</link>
		<comments>http://www.savingadvice.com/blog/2009/01/29/103982_seventeen-things-to-do-when-youre-out-of-work.html#comments</comments>
		<pubDate>Thu, 29 Jan 2009 08:01:55 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[bake]]></category>
		<category><![CDATA[barter]]></category>
		<category><![CDATA[craft]]></category>
		<category><![CDATA[exercise]]></category>
		<category><![CDATA[golf]]></category>
		<category><![CDATA[job hunt]]></category>
		<category><![CDATA[move]]></category>
		<category><![CDATA[occupy time]]></category>
		<category><![CDATA[out of work]]></category>
		<category><![CDATA[politics]]></category>
		<category><![CDATA[read]]></category>
		<category><![CDATA[sew]]></category>
		<category><![CDATA[spring clean]]></category>
		<category><![CDATA[volunteer]]></category>
		<category><![CDATA[write]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3982</guid>
		<description><![CDATA[The people around me are struggling with cut hours and layoffs, and cutting back on finances is only part of the effect. My friends are suddenly finding themselves with less to do. More time with the kids is good, but when the kids are in school &#8212; watching TV only has so much interest, until [...]]]></description>
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		<slash:comments>15</slash:comments>
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		<item>
		<title>Optimism in The Stock Market</title>
		<link>http://www.savingadvice.com/blog/2009/01/15/103833_optimism-in-the-stock-market.html</link>
		<comments>http://www.savingadvice.com/blog/2009/01/15/103833_optimism-in-the-stock-market.html#comments</comments>
		<pubDate>Thu, 15 Jan 2009 11:35:45 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[buy stocks]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stock market 2009]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3833</guid>
		<description><![CDATA[Dave Kansas of the Wall Street Journal has what I like to see in a capitalist economy: optimism. Talking about the year ahead, he described the stock market as looking &#8220;to the future, rather than the past.&#8221; Isn&#8217;t that exactly what we should do with our money? We save for the future, we plan for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Renting Responsibly: How Not to be a Victim of Foreclosure</title>
		<link>http://www.savingadvice.com/blog/2009/01/11/103787_renting-responsibly-how-not-to-be-a-victim-of-foreclosure.html</link>
		<comments>http://www.savingadvice.com/blog/2009/01/11/103787_renting-responsibly-how-not-to-be-a-victim-of-foreclosure.html#comments</comments>
		<pubDate>Sun, 11 Jan 2009 15:01:21 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[raise the rent]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[rental contract]]></category>
		<category><![CDATA[renting]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3787</guid>
		<description><![CDATA[The business section of the Denver Post included a bit about Fannie Mae signing interim rental contracts with tenants of properties their landlords couldn&#8217;t pay for. What does this tell me?  A renter doesn&#8217;t know the financial position of their landlords. It used to be that was a just fine arrangement, but maybe it [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>&#8220;You&#8217;re Overqualified&#8221;: How to Beat the One-Liner and Get the Job</title>
		<link>http://www.savingadvice.com/blog/2009/01/07/103785_youre-overqualified-how-to-beat-the-one-liner-and-get-the-job.html</link>
		<comments>http://www.savingadvice.com/blog/2009/01/07/103785_youre-overqualified-how-to-beat-the-one-liner-and-get-the-job.html#comments</comments>
		<pubDate>Wed, 07 Jan 2009 08:01:07 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[downsizing]]></category>
		<category><![CDATA[getting a job]]></category>
		<category><![CDATA[job interview]]></category>
		<category><![CDATA[layoffs]]></category>
		<category><![CDATA[new employment]]></category>
		<category><![CDATA[new job]]></category>
		<category><![CDATA[over qualified]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3785</guid>
		<description><![CDATA[In the current economy with layoffs, downsizing, and the flat-out lost job, there are a lot of professionals hoofing the street for a job as well as skilled laborers and unskilled workers.  If all you&#8217;ve ever done is something as specific as, say, Title Insurance, how do you get the job at something &#8220;less&#8221; [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/01/07/103785_youre-overqualified-how-to-beat-the-one-liner-and-get-the-job.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why You Should Find A Financial Mentor</title>
		<link>http://www.savingadvice.com/blog/2008/08/18/102247_why-you-should-find-a-financial-mentor.html</link>
		<comments>http://www.savingadvice.com/blog/2008/08/18/102247_why-you-should-find-a-financial-mentor.html#comments</comments>
		<pubDate>Mon, 18 Aug 2008 07:01:01 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[financial mentor]]></category>
		<category><![CDATA[mentoring]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/08/18/102247_why-you-should-find-a-financial-mentor.html</guid>
		<description><![CDATA[
I&#8217;m very careful with my money, but everything about it is not clear as crystal. Every year around January, questions I have to ask about taxes, income, claims and reporting. Later, around September, I do my business finances and re-configure my rates (I work on the school&#8217;s calendar year).  I wake up and my [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>What Actually Qualifies as an Emergency?</title>
		<link>http://www.savingadvice.com/blog/2008/08/14/102236_what-actually-qualifies-as-an-emergency.html</link>
		<comments>http://www.savingadvice.com/blog/2008/08/14/102236_what-actually-qualifies-as-an-emergency.html#comments</comments>
		<pubDate>Thu, 14 Aug 2008 14:01:32 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/08/14/102236_what-actually-qualifies-as-an-emergency.html</guid>
		<description><![CDATA[
We&#8217;ve heard the phrases, discussed our strategies, tried to forget about the money when we make a budget, and several other things pertaining to the vital emergency fund. Save up an emergency fund :: How much is in your emergency fund? :: Is an emergency fund necessary? :: Can I have an alternative emergency fund? [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2008/08/14/102236_what-actually-qualifies-as-an-emergency.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>How to Offset the Cost of Luxury</title>
		<link>http://www.savingadvice.com/blog/2008/08/07/102235_how-to-offset-the-cost-of-luxury.html</link>
		<comments>http://www.savingadvice.com/blog/2008/08/07/102235_how-to-offset-the-cost-of-luxury.html#comments</comments>
		<pubDate>Thu, 07 Aug 2008 15:32:17 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[luxury]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/08/07/102235_how-to-offset-the-cost-of-luxury.html</guid>
		<description><![CDATA[ 
Al Gore offsets his carbon footprint. Volunteering for your community is offset for minor crimes. If you can offset those, you can definitely offset luxurious spending. The opportunity or the cost of that opportunity is a perceived value. Sometimes you even have to make a case to yourself for something you know isn&#8217;t the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2008/08/07/102235_how-to-offset-the-cost-of-luxury.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Online Classified Scams: 10 Ways &#8220;They Could Never Happen To Me&#8221;</title>
		<link>http://www.savingadvice.com/blog/2008/07/26/102200_online-classified-scams-10-ways-they-could-never-happen-to-me.html</link>
		<comments>http://www.savingadvice.com/blog/2008/07/26/102200_online-classified-scams-10-ways-they-could-never-happen-to-me.html#comments</comments>
		<pubDate>Sat, 26 Jul 2008 13:22:20 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[classified ads]]></category>
		<category><![CDATA[classified scams]]></category>
		<category><![CDATA[don't get scammed]]></category>
		<category><![CDATA[online scam]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/26/102200_online-classified-scams-10-ways-they-could-never-happen-to-me.html</guid>
		<description><![CDATA[
As soon as the words were out of my mouth, I saw an ad looking for an tutor for English as a Second Language. School-age boy, in town about a month, rate $50/hr. In less than four hours, I determined it was a scam.  Crud. That could have been a good job, had it [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2008/07/26/102200_online-classified-scams-10-ways-they-could-never-happen-to-me.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Learning That Frugality Skills Shouldn&#8217;t Vacation When I Do: Priceless</title>
		<link>http://www.savingadvice.com/blog/2008/07/14/102199_learning-that-frugality-skills-shouldnt-vacation-when-i-do-priceless.html</link>
		<comments>http://www.savingadvice.com/blog/2008/07/14/102199_learning-that-frugality-skills-shouldnt-vacation-when-i-do-priceless.html#comments</comments>
		<pubDate>Mon, 14 Jul 2008 13:01:53 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[4th of July]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[vaction]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/14/102199_learning-that-frugality-skills-shouldnt-vacation-when-i-do-priceless.html</guid>
		<description><![CDATA[
The fourth of July promised to be a leisurely, stress-free weekend. My credit card was paid off and ready for gas purchases. My car was running smoothly. Our campsite was at a private cabin at a lake, and we’d long ago collected all necessary camping gear. The food was to be communal so we brought [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2008/07/14/102199_learning-that-frugality-skills-shouldnt-vacation-when-i-do-priceless.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>20 Ways Your Child&#8217;s Imagination Can Save You Money</title>
		<link>http://www.savingadvice.com/blog/2008/06/22/102174_20-ways-your-childs-imagination-can-save-you-money.html</link>
		<comments>http://www.savingadvice.com/blog/2008/06/22/102174_20-ways-your-childs-imagination-can-save-you-money.html#comments</comments>
		<pubDate>Sun, 22 Jun 2008 07:01:38 +0000</pubDate>
		<dc:creator>Ann Hartter</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[child]]></category>
		<category><![CDATA[Children]]></category>
		<category><![CDATA[development]]></category>
		<category><![CDATA[imagination]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[play]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[toys]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/22/102174_20-ways-your-childs-imagination-can-save-you-money.html</guid>
		<description><![CDATA[
What is it about children that invite us to spend money on them? Is it that we see they are cute at everything, so everything is fair game? Is it that we want them to have the best so we better make sure that they have the newest and most recent and most expensive? Is [...]]]></description>
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		<slash:comments>5</slash:comments>
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