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<channel>
	<title>Myths On Money</title>
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	<link>http://mythsonmoney.com</link>
	<description>Does it really work?</description>
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			<item>
		<title>Myth: Complex Investment Schemes Work Best</title>
		<link>http://mythsonmoney.com/2009/05/myth-complex-investment-schemes-work-best/</link>
		<comments>http://mythsonmoney.com/2009/05/myth-complex-investment-schemes-work-best/#comments</comments>
		<pubDate>Tue, 19 May 2009 20:23:59 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=558</guid>
		<description><![CDATA[The Word on the Street
There is a prevailing notion in our society that it is possible to get extraordinary returns out of the stock market by following a particular investment strategy, buying certain sectors of the market, finding stocks with certain characteristics, or in hiring a sharp-dressed, smooth talking account manager.
The Truth
While I do not [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/05/myth-complex-investment-schemes-work-best/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: You Need Credit Insurance</title>
		<link>http://mythsonmoney.com/2009/05/myth-you-need-credit-insurance/</link>
		<comments>http://mythsonmoney.com/2009/05/myth-you-need-credit-insurance/#comments</comments>
		<pubDate>Mon, 11 May 2009 19:47:28 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=765</guid>
		<description><![CDATA[In this post&#8230;


The Word on the Street
What is credit insurance?
How they sell it
Don&#8217;t fall for it
The Short Answer
The Long Answer

 

The Word on the Street:
Whenever someone wishes to make a large purchase on credit (like a house or a car), the lender will often try to sell them an insurance policy. These policies are supposed to [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/05/myth-you-need-credit-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Online Resume&#8217;s</title>
		<link>http://mythsonmoney.com/2009/04/online-resumes/</link>
		<comments>http://mythsonmoney.com/2009/04/online-resumes/#comments</comments>
		<pubDate>Fri, 01 May 2009 01:38:27 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Misc.]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=761</guid>
		<description><![CDATA[Anybody who happens to be job hunting right now might be interested in something I just read.  The Wall Street Journal recently reported on a new trend in resume creation and distribution.  It&#8217;s called a website resume.  Basically, you contact a service, and they create a resume for you that has it&#8217;s [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/04/online-resumes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Guest Post: How to Buy a Home</title>
		<link>http://mythsonmoney.com/2009/04/guest-post-how-to-buy-a-home/</link>
		<comments>http://mythsonmoney.com/2009/04/guest-post-how-to-buy-a-home/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 14:53:04 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=619</guid>
		<description><![CDATA[This is a guest post by Larry Merrill.  Larry has been a Realtor&#0174; since 1995, and is the founder of Advance Tech Realty.
The market has some great deals right now and I wish I could take the time to do my home buyers program (it takes 1 1/2 hours). But in short, some of [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/04/guest-post-how-to-buy-a-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Become Debt Free</title>
		<link>http://mythsonmoney.com/2009/04/become-debt-free/</link>
		<comments>http://mythsonmoney.com/2009/04/become-debt-free/#comments</comments>
		<pubDate>Tue, 28 Apr 2009 21:26:28 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Front Page]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=748</guid>
		<description><![CDATA[You really can become debt free.  Whether you are struggling to make it to the next paycheck, wanting more to retire, desperate to stop the collector&#8217;s phone calls, or just want to find a peaceful night&#8217;s sleep, you can find the financial help you need right here to become debt free.  Once you [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/04/become-debt-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My Stance on Renting</title>
		<link>http://mythsonmoney.com/2009/04/my-stance-on-renting/</link>
		<comments>http://mythsonmoney.com/2009/04/my-stance-on-renting/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 16:49:16 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=702</guid>
		<description><![CDATA[Everyone seems to think that I am opposed to buying a home.  Almost every fan of the blog that I talk to seems astonished when I tell them that I am very much in favor of people buying homes.  
So, let me clarify again my position on renting versus buying.  
In my [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/04/my-stance-on-renting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Avoid Credit Card Late Fees</title>
		<link>http://mythsonmoney.com/2009/04/mythtip-avoid-credit-card-late-fees/</link>
		<comments>http://mythsonmoney.com/2009/04/mythtip-avoid-credit-card-late-fees/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 15:39:18 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=670</guid>
		<description><![CDATA[I hate late fees, don&#8217;t you?  Problem is, in the complexity of our daily world, things can slip past us sometimes.  It happens.
That&#8217;s why I love this great tip from Isemel on the I Will Teach You To Be Rich forum.
 I always pay my credit card off in full, but once in [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/04/mythtip-avoid-credit-card-late-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why I Still Rent</title>
		<link>http://mythsonmoney.com/2009/03/why-i-still-rent/</link>
		<comments>http://mythsonmoney.com/2009/03/why-i-still-rent/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 14:49:10 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=632</guid>
		<description><![CDATA[I have not yet purchased my first home.  A lot of people give me a hard time about not buying a place, especially in this market...But I have my reasons to not buy.  Want to know what they are?  Here you go.]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/03/why-i-still-rent/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mythtip: When to Refinance</title>
		<link>http://mythsonmoney.com/2009/03/mythtip-when-to-refinance/</link>
		<comments>http://mythsonmoney.com/2009/03/mythtip-when-to-refinance/#comments</comments>
		<pubDate>Wed, 04 Mar 2009 15:59:17 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=629</guid>
		<description><![CDATA[With interest rates at all-time record lows, refinancing is becoming quite a popular past time.  The trouble is, refinancing costs money, and it can be hard to tell when it is a good time to refinance your mortgage.  Here are a few tips to consider when thinking about refinancing:

How do the rates compare? [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/03/mythtip-when-to-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the credit crisis?</title>
		<link>http://mythsonmoney.com/2009/02/what-is-the-credit-crisis/</link>
		<comments>http://mythsonmoney.com/2009/02/what-is-the-credit-crisis/#comments</comments>
		<pubDate>Fri, 27 Feb 2009 23:52:10 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Misc.]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=658</guid>
		<description><![CDATA[The complexity of the current credit crisis we are facing can be daunting.  Understanding how the credit crisis happened can be even more daunting than understanding what the crisis even is.
But I have to tell you that I was blown away by this video by Jonathon Jarvis.  He breaks down the crisis so [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/what-is-the-credit-crisis/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Use Mint.com</title>
		<link>http://mythsonmoney.com/2009/02/mythtip-use-mintcom/</link>
		<comments>http://mythsonmoney.com/2009/02/mythtip-use-mintcom/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 22:24:24 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=550</guid>
		<description><![CDATA[Today, we are going to take a look at my favorite online (and FREE) personal finance software: Mint.com.
Traditional Software
For a number of years, I used Quicken&#8217;s basic finance software to track my expenses and monitor my budget.  While the program was very good, there were a few ways in which these new online tools [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/mythtip-use-mintcom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stealth Wealth</title>
		<link>http://mythsonmoney.com/2009/02/stealth-wealth/</link>
		<comments>http://mythsonmoney.com/2009/02/stealth-wealth/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 03:27:28 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=621</guid>
		<description><![CDATA[
Even among top earners, &#8220;most people think &#8216;rich&#8217; is more than what they have,&#8221; says Mr. [Ronald] Wilcox.
It&#8217;s natural to compare our lot with that of our neighbor. But we tend to fixate on the most obvious signs of status and success, while turning a blind eye to other telling details.
The Wall Street Journal

I think [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/stealth-wealth/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save Money With Online Coupons</title>
		<link>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/</link>
		<comments>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 00:42:11 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[coupon]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=548</guid>
		<description><![CDATA[You know those little things you carefully cut out of the paper each week, then promptly lose/forget about?  Those are coupons.  Everyone knows about coupons, and how much money they can save when you use them to buy things you normally purchase.  The good news is that coupons exist in the digital [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Finance is Emotional</title>
		<link>http://mythsonmoney.com/2009/02/finance-is-emotional/</link>
		<comments>http://mythsonmoney.com/2009/02/finance-is-emotional/#comments</comments>
		<pubDate>Mon, 09 Feb 2009 20:30:25 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Misc.]]></category>
		<category><![CDATA[Buyership]]></category>
		<category><![CDATA[emotion]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[self control]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=603</guid>
		<description><![CDATA[I have recently been reading a book about how to communicate more effectively in every aspect of our lives, and found that one of his points in regards to communications really hits home for our personal financial situations.
The author makes the point that our decision making processes are fundamentally emotional, and that it is not [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/finance-is-emotional/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: 0% is a Deal!</title>
		<link>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/</link>
		<comments>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 19:23:18 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=591</guid>
		<description><![CDATA[The Word on the Street
The ever-so-kind businesses are so generous as to allow us to finance large purchases at zero percent interest!!!  What a sweet deal, let&#8217;s take it!
The Truth
These deceptive deals can be devastating to anyone who fails to read the fine print.
Conflict of Interest
 Businesses are not your friends.  They are [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quote of the Day</title>
		<link>http://mythsonmoney.com/2009/02/quote-of-the-day/</link>
		<comments>http://mythsonmoney.com/2009/02/quote-of-the-day/#comments</comments>
		<pubDate>Sun, 01 Feb 2009 17:05:54 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Misc.]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/2009/02/quote-of-the-day/</guid>
		<description><![CDATA[Dale Carnegie &#8211; &#8220;Success is getting what you want. Happiness is wanting what you get.&#8221;
]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/quote-of-the-day/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On The Lighter Side: Don&#8217;t Buy Stuff</title>
		<link>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/</link>
		<comments>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 01:26:01 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=536</guid>
		<description><![CDATA[I like this video.  It kind of illustrates how personal finance can be a lot simpler than we sometimes think it is.  I will let the video speak for itself.

Couldn&#8217;t have said it better myself.   
]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Whole Life Insurance: The Basics</title>
		<link>http://mythsonmoney.com/2009/01/whole-life-insurance-the-basics/</link>
		<comments>http://mythsonmoney.com/2009/01/whole-life-insurance-the-basics/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 04:26:02 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=519</guid>
		<description><![CDATA[
What is Whole Life?
Benefits
Drawbacks
My Recommendation

What is Whole Life?
Whole life insurance is the most basic form of permanent life insurance.  It is basically a term life insurance policy combined with a fixed-yield savings account.  This savings account usually yields an interest rate around 2-5%, but grows tax-deferred, similar to your IRA.  When the [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/whole-life-insurance-the-basics/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: &#8220;Stuff&#8221; = Happiness</title>
		<link>http://mythsonmoney.com/2009/01/myth-stuff-happiness/</link>
		<comments>http://mythsonmoney.com/2009/01/myth-stuff-happiness/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 03:30:39 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=520</guid>
		<description><![CDATA[The other night, I was reading Get Rich Slowly, one of my favorite finance blogs.  I would like to lift a few of his comments from this fantastic post that illustrate why I LOVE personal finance, and what is truly important in our financial lives.
Freedom
To lift a quote from Get Rich Slowly:
&#8220;To me, life [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/myth-stuff-happiness/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mythtip: Cut the Cable</title>
		<link>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/</link>
		<comments>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/#comments</comments>
		<pubDate>Sat, 17 Jan 2009 22:41:33 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=503</guid>
		<description><![CDATA[The internet is a fantastic resource for anybody looking for the opportunity to shave a few bucks off their monthly budget.  Well, actually, it can shave much more than a few bucks.  Here is a tip on how to leverage the power of the internet to decrease your expenses and increase your savings!
Cut [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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