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	<title>Twenties Retirement</title>
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	<link>http://twentiesretirement.com</link>
	<description>Plan ahead. Work hard. Retire young.</description>
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		<title>How Facebook Makes Money</title>
		<link>http://twentiesretirement.com/money-matters/how-facebook-makes-money/</link>
		<comments>http://twentiesretirement.com/money-matters/how-facebook-makes-money/#comments</comments>
		<pubDate>Fri, 20 May 2011 23:28:07 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Money Matters]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=381</guid>
		<description><![CDATA[If you&#8217;ve seen The Social Network (which is entertaining, if somewhat fictionalized), then you&#8217;ll know that Mark Zuckerberg originally was strongly opposed to putting ads on Facebook. If you&#8217;ve used Facebook lately, you&#8217;ll also know that that this is no longer the case &#8211; Facebook now serves up quite a few ads. So is advertising [...]]]></description>
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		<title>Bad Idea #1: Cashing Out a 401(k) to Pay Off Debt</title>
		<link>http://twentiesretirement.com/retirementsavingsplans/bad-idea-1-cashing-out-a-401k-to-pay-off-debt/</link>
		<comments>http://twentiesretirement.com/retirementsavingsplans/bad-idea-1-cashing-out-a-401k-to-pay-off-debt/#comments</comments>
		<pubDate>Mon, 09 May 2011 00:55:59 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Retirement Savings Plans]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=377</guid>
		<description><![CDATA[These days, a lot of people are working to pay down debt, which is a great idea; few things are more stressful than owing money, so paying off your debts not only helps you to have a better retirement, it can have positive benefits on your health right now. Still, that doesn&#8217;t mean that paying [...]]]></description>
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		<title>What is the maximum 401k contribution per year?</title>
		<link>http://twentiesretirement.com/retirementsavingsplans/401k/what-is-the-maximum-401k-contribution-per-year/</link>
		<comments>http://twentiesretirement.com/retirementsavingsplans/401k/what-is-the-maximum-401k-contribution-per-year/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 23:26:07 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[401(k)]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=373</guid>
		<description><![CDATA[You&#8217;ve probably heard that you should max out your retirement contributions each year, if you&#8217;re financially able to do so. Aside from the obvious reasons &#8211; a little saved now can be worth more than a lot saved later &#8211; the government puts a limit on how much money you can put into a retirement [...]]]></description>
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		<title>Are Prosper Loans a Scam?</title>
		<link>http://twentiesretirement.com/credit/loans/are-prosper-loans-a-scam/</link>
		<comments>http://twentiesretirement.com/credit/loans/are-prosper-loans-a-scam/#comments</comments>
		<pubDate>Sun, 17 Apr 2011 20:28:23 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[prosper lending]]></category>
		<category><![CDATA[prosper loans]]></category>
		<category><![CDATA[prosper loans scam]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=370</guid>
		<description><![CDATA[An interesting trend in finance these days is the rise of peer to peer lending, in which borrowers get a loan from individual investors rather than from a bank. In theory, everybody wins: borrowers get a loan at a lower rate than the bank would offer (or get a loan that the bank wouldn&#8217;t offer [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>IRA Early Withdrawal Penalty Exceptions</title>
		<link>http://twentiesretirement.com/retirementsavingsplans/ira-early-withdrawal-penalty-exceptions/</link>
		<comments>http://twentiesretirement.com/retirementsavingsplans/ira-early-withdrawal-penalty-exceptions/#comments</comments>
		<pubDate>Sun, 27 Feb 2011 16:41:58 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Retirement Savings Plans]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Traditional IRA]]></category>
		<category><![CDATA[early withdrawal penalty]]></category>
		<category><![CDATA[ira early withdrawal]]></category>
		<category><![CDATA[IRA withdrawal penalty exceptions]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=365</guid>
		<description><![CDATA[While everybody knows they should be contributing as much money as possible to their retirement accounts, the problem is that once you put the money in, you often can&#8217;t withdraw it without a penalty. This is by design, of course; the whole point is to force you to leave the money alone until retirement. That [...]]]></description>
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		<title>Budget Planning: How to Budget</title>
		<link>http://twentiesretirement.com/money-matters/budget-planning-how-to-budget/</link>
		<comments>http://twentiesretirement.com/money-matters/budget-planning-how-to-budget/#comments</comments>
		<pubDate>Sun, 16 Jan 2011 15:55:25 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Money Matters]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=331</guid>
		<description><![CDATA[For many people, a budget is a strange and terrifying thing. They fear that a budget will suck all the fun out of life, telling them what they can spend money on and when, and will lead to nothing but family fights. However, if done properly, a budget is actually a key tool on the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How Much is My Car Tax?</title>
		<link>http://twentiesretirement.com/automobiles/how-much-is-my-car-tax/</link>
		<comments>http://twentiesretirement.com/automobiles/how-much-is-my-car-tax/#comments</comments>
		<pubDate>Sun, 09 Jan 2011 03:24:43 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Automobiles]]></category>
		<category><![CDATA[how much is tax for my car]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=356</guid>
		<description><![CDATA[When buying a new (or used) car, it may be worthwhile to look at how much you&#8217;ll have to pay in taxes. In some states, this could make a significant difference in the overall cost of ownership of the car. Suppose, for example, that I want to buy a new 2011 Toyota Camry. How much [...]]]></description>
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		<title>Hardship Withdrawal From IRA</title>
		<link>http://twentiesretirement.com/retirementsavingsplans/roth-ira/hardship-withdrawal-from-ira/</link>
		<comments>http://twentiesretirement.com/retirementsavingsplans/roth-ira/hardship-withdrawal-from-ira/#comments</comments>
		<pubDate>Thu, 16 Dec 2010 16:43:20 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Traditional IRA]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=352</guid>
		<description><![CDATA[With a 401(k), you are limited in when you can withdraw money, but there are exceptions that allow withdrawals due to hardship. With an IRA, there are generally no limits on when you can take a distribution, so there is no provision for an IRA hardship withdrawal. However, there are certain expenses that allow you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Return on Invested Capital (ROIC)</title>
		<link>http://twentiesretirement.com/money-matters/return-on-invested-capital-roic/</link>
		<comments>http://twentiesretirement.com/money-matters/return-on-invested-capital-roic/#comments</comments>
		<pubDate>Sun, 12 Dec 2010 18:27:50 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[Money Matters]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=349</guid>
		<description><![CDATA[Return on invested capital, or ROIC, is used to measure the historical performance of a company. It is a lagging indicator, which means that it gives information on how a company has performed in the past rather than how it will perform in the future; however, it is not as easy to manipulate as many [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>401(k) with ETFs: Good Combination or Bad Idea?</title>
		<link>http://twentiesretirement.com/retirementsavingsplans/401k-with-etfs-good-combination-or-bad-idea/</link>
		<comments>http://twentiesretirement.com/retirementsavingsplans/401k-with-etfs-good-combination-or-bad-idea/#comments</comments>
		<pubDate>Fri, 10 Dec 2010 04:34:27 +0000</pubDate>
		<dc:creator>William</dc:creator>
				<category><![CDATA[401(k)]]></category>
		<category><![CDATA[Retirement Savings Plans]]></category>
		<category><![CDATA[401k and ETFs]]></category>
		<category><![CDATA[401k with ETF]]></category>
		<category><![CDATA[ETF]]></category>
		<category><![CDATA[ETFs and 401k]]></category>

		<guid isPermaLink="false">http://twentiesretirement.com/?p=345</guid>
		<description><![CDATA[You may or may not be familiar with ETFs, or exchange-traded funds. ETFs are similar to stocks, and are actually traded on stock exchanges. An ETF is basically a basket that holds a collection of assets for you to invest in, such as stocks, bonds, and commodities. The price of the ETF is approximately the [...]]]></description>
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