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	<title>Money Finesse - Personal Finance in the USA &#187; Saving</title>
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		<title>Penny Wise</title>
		<link>http://www.moneyfinesse.com/2007/04/26/penny-wise/</link>
		<comments>http://www.moneyfinesse.com/2007/04/26/penny-wise/#comments</comments>
		<pubDate>Thu, 26 Apr 2007 12:42:45 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Intelligence]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Wealth]]></category>

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		<description><![CDATA[You don&#8217;t have to be smart to be rich, says Jay Zagorsky, a research scientist at Ohio State University, and intelligence doesn&#8217;t necessarily translate into wealth. Having a higher IQ does generally mean higher income; however, even those with super high IQ&#8217;s over 125 occasionally miss payments and max out their credit cards. The reasons [...]]]></description>
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		<title>Split Your Refund</title>
		<link>http://www.moneyfinesse.com/2007/02/12/split-your-refund/</link>
		<comments>http://www.moneyfinesse.com/2007/02/12/split-your-refund/#comments</comments>
		<pubDate>Mon, 12 Feb 2007 13:10:33 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[IRS]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Refunds]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Split refund]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Tax forms]]></category>

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		<description><![CDATA[Here&#8217;s a way to make good on that New Year&#8217;s resolution to save money with a little help from the IRS. This year the IRS is offering to split your refund among two or three checking or savings accounts when you use direct deposit. If you are due a refund, simply file IRS&#8217; Form 8888, [...]]]></description>
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		<title>How To Become Rich</title>
		<link>http://www.moneyfinesse.com/2006/12/19/how-to-become-rich/</link>
		<comments>http://www.moneyfinesse.com/2006/12/19/how-to-become-rich/#comments</comments>
		<pubDate>Tue, 19 Dec 2006 16:33:25 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[Consumer issues]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Purchasing]]></category>
		<category><![CDATA[Saving]]></category>

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		<description><![CDATA[Every money site seems to have its golden rules for becoming rich. The trouble is, most of the rules require you to have a bundle of money in the first place! Rich is a relative term, after all, and a few thousand dollars is pin money to some, a fortune to others. CNN Money has [...]]]></description>
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		<title>Holiday Spending Accounts</title>
		<link>http://www.moneyfinesse.com/2006/12/11/holiday-spending-accounts/</link>
		<comments>http://www.moneyfinesse.com/2006/12/11/holiday-spending-accounts/#comments</comments>
		<pubDate>Mon, 11 Dec 2006 17:05:42 +0000</pubDate>
		<dc:creator>Andrea Paulsen</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[Consumer issues]]></category>
		<category><![CDATA[Cutting costs]]></category>
		<category><![CDATA[Discipline]]></category>
		<category><![CDATA[Gifts]]></category>
		<category><![CDATA[Holiday Spending Accounts]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Finesse]]></category>
		<category><![CDATA[Saving]]></category>

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		<description><![CDATA[&#8216;Tis the season for debt Every year holiday spending per consumer goes up and much of that spending ends up as credit card debt. Shedding that holiday debt is harder than shedding extra holiday pounds. At the holiday season it is hard for even debt-wary and credit-savvy consumers to avoid over-spending. It&#8217;s not easy to [...]]]></description>
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