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	<title>financial reflections</title>
	<link>http://www.financialreflections.com</link>
	<description>personal finance for those stuck in the middle</description>
	<pubDate>Fri, 05 Oct 2007 15:18:59 +0000</pubDate>
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		<title>How to Own a Home &#8212; Revisited</title>
		<link>http://www.financialreflections.com/debt/how-to-own-a-home/</link>
		<comments>http://www.financialreflections.com/debt/how-to-own-a-home/#comments</comments>
		<pubDate>Fri, 05 Oct 2007 15:03:10 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Debt</category>
	<category>Real Estate</category>
		<guid isPermaLink="false">http://www.financialreflections.com/debt/how-to-own-a-home/</guid>
		<description><![CDATA[Note:  I first wrote this article in 2006.  It&#8217;s interesting to see what&#8217;s happened in the mean time.  The much-hyped  exotic loans have caused a collapse in the credit industry. Here&#8217;s an update to what I wrote back then.  It&#8217;s sad to see how things have ended up slightly worse than what I predicted.  Here&#8217;s the [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/debt/how-to-own-a-home/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Fixing Home Budget Problems With Technology</title>
		<link>http://www.financialreflections.com/uncategorized/fixing-home-budget-probems-with-technology/</link>
		<comments>http://www.financialreflections.com/uncategorized/fixing-home-budget-probems-with-technology/#comments</comments>
		<pubDate>Tue, 01 Aug 2006 14:21:09 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Reflections</category>
		<guid isPermaLink="false">http://www.financialreflections.com/uncategorized/fixing-home-budget-probems-with-technology/</guid>
		<description><![CDATA[I&#8217;ve been keeping a home budget for several months now, and it&#8217;s great.  I&#8217;ve gotten my spending under better control, paid off some debt and moved forward financially.  However, I also have noticed problems I have with my budget.  I&#8217;ve noticed &#8220;leaks&#8221; in my budget - places where money seeps out.  I also want to [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/uncategorized/fixing-home-budget-probems-with-technology/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>How to Teach About Investing (Without Boring the Student)</title>
		<link>http://www.financialreflections.com/investing/how-to-teach-about-investing-without-boring-the-student/</link>
		<comments>http://www.financialreflections.com/investing/how-to-teach-about-investing-without-boring-the-student/#comments</comments>
		<pubDate>Thu, 27 Jul 2006 15:47:21 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.financialreflections.com/investing/how-to-teach-about-investing-without-boring-the-student/</guid>
		<description><![CDATA[Normally I don&#8217;t write articles like this, but I found a neat way to introduce my kids to investing, or at least find a great gift for my investor friends and family, so I thought I&#8217;d share the find with everyone.

It seems that we buy too many things that drop in value almost immediately these days, so the [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/investing/how-to-teach-about-investing-without-boring-the-student/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Do Your Toys Accept Plastic?</title>
		<link>http://www.financialreflections.com/debt/do-your-toys-accept-plastic/</link>
		<comments>http://www.financialreflections.com/debt/do-your-toys-accept-plastic/#comments</comments>
		<pubDate>Wed, 26 Jul 2006 19:25:23 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Debt</category>
		<guid isPermaLink="false">http://www.financialreflections.com/debt/do-your-toys-accept-plastic/</guid>
		<description><![CDATA[I&#8217;m talking about plastic money - credit cards.  A new twist on this is the use of debit cards in games.  Of course, marketers and game makers are always looking for ways to mix advertising into a game.  Just look at the multiple editions of Monopoly that exist, such as university branded games.  But is [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/debt/do-your-toys-accept-plastic/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Are You Dealing With Wage Stagnation?</title>
		<link>http://www.financialreflections.com/jobs/are-you-dealing-with-wage-stagnation/</link>
		<comments>http://www.financialreflections.com/jobs/are-you-dealing-with-wage-stagnation/#comments</comments>
		<pubDate>Tue, 25 Jul 2006 19:55:50 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Jobs</category>
		<guid isPermaLink="false">http://www.financialreflections.com/jobs/are-you-dealing-with-wage-stagnation/</guid>
		<description><![CDATA[A lot has been said about how the US economy is doing better lately.  Sure, since about 2003, I&#8217;ve noticed a huge change in the economy on a personal level.  The reason for that is that I work on contract, for about a year at a time at different companies, so the short term swings [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/jobs/are-you-dealing-with-wage-stagnation/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Four Frugal Vacation Ideas</title>
		<link>http://www.financialreflections.com/thrift/four-frugal-vacation-ideas/</link>
		<comments>http://www.financialreflections.com/thrift/four-frugal-vacation-ideas/#comments</comments>
		<pubDate>Mon, 24 Jul 2006 20:38:26 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>thrift</category>
	<category>frugal</category>
		<guid isPermaLink="false">http://www.financialreflections.com/thrift/four-frugal-vacation-ideas/</guid>
		<description><![CDATA[As the summer winds down, I thought it might be prudent to post the things I&#8217;ve learned about taking a vacation.  I&#8217;ve battled with the decision to take one at all, as I am taking what I can to eliminate credit card debt.  I worked with my wife to come up with a plan that [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/thrift/four-frugal-vacation-ideas/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Million Dollar Investing Lessons - Learned the Hard Way</title>
		<link>http://www.financialreflections.com/uncategorized/million-dollar-investing-lessons-learned-the-hard-way/</link>
		<comments>http://www.financialreflections.com/uncategorized/million-dollar-investing-lessons-learned-the-hard-way/#comments</comments>
		<pubDate>Fri, 21 Jul 2006 16:21:40 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Reflections</category>
	<category>Investing</category>
		<guid isPermaLink="false">http://www.financialreflections.com/uncategorized/million-dollar-investing-lessons-learned-the-hard-way/</guid>
		<description><![CDATA[Sometimes it&#8217;s the mistakes we make that teach us the most.  I just read an article from someone who made a small fortune out of a much larger fortune, and the lessons the author learned from his experience provide some powerful lessons on investing.  I thought I&#8217;d comment on them and add a few of [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/uncategorized/million-dollar-investing-lessons-learned-the-hard-way/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Why I&#8217;m Still Not Buying an HDTV</title>
		<link>http://www.financialreflections.com/uncategorized/why-im-still-not-buying-and-hdtv/</link>
		<comments>http://www.financialreflections.com/uncategorized/why-im-still-not-buying-and-hdtv/#comments</comments>
		<pubDate>Thu, 20 Jul 2006 20:16:25 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Reflections</category>
		<guid isPermaLink="false">http://www.financialreflections.com/uncategorized/why-im-still-not-buying-and-hdtv/</guid>
		<description><![CDATA[Recently I wrote an article stating my plans to avoid purchasing a HDTV for some time.  Well, part of my reasoning looks like it&#8217;s slipping away, due to the forces of supply and demand.  And it might be partly due to people agreeing with me.

Looks like prices for flat-panel TVs (which often are used as [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/uncategorized/why-im-still-not-buying-and-hdtv/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Festival of Frugality #31</title>
		<link>http://www.financialreflections.com/uncategorized/festival-of-frugality-31/</link>
		<comments>http://www.financialreflections.com/uncategorized/festival-of-frugality-31/#comments</comments>
		<pubDate>Tue, 18 Jul 2006 02:55:36 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Reflections</category>
		<guid isPermaLink="false">http://www.financialreflections.com/uncategorized/festival-of-frugality-31/</guid>
		<description><![CDATA[Here it is: my very first festival or carnival of any kind.  Heaven knows I need help being frugal, so I am looking forward to drawing wisdom from the following entries:

Is Debt Free willing to Sacrifice the Dog to Become Debt Free?
Flower Enthusiast at Serenata Flowers Blog presents How to keep your cut flowers fresher [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/uncategorized/festival-of-frugality-31/feed/</wfw:commentRSS>
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		<item>
		<title>On Tips and Fees</title>
		<link>http://www.financialreflections.com/uncategorized/on-tips-and-fees/</link>
		<comments>http://www.financialreflections.com/uncategorized/on-tips-and-fees/#comments</comments>
		<pubDate>Thu, 29 Jun 2006 15:45:35 +0000</pubDate>
		<dc:creator>coglethorpe</dc:creator>
		
	<category>Reflections</category>
		<guid isPermaLink="false">http://www.financialreflections.com/uncategorized/on-tips-and-fees/</guid>
		<description><![CDATA[I just canceled another one of my credit cards this week.  It had a zero balance, but I just kept it around.  That was partly out of laziness and partly out of a warped sense of security.  The good news is that I&#8217;m running out of cards.  What scares me is that I have a very small emergency fund, [...]]]></description>
		<wfw:commentRSS>http://www.financialreflections.com/uncategorized/on-tips-and-fees/feed/</wfw:commentRSS>
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