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	<title>Saving Without A Budget &#187; Investing</title>
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		<title>Personal Spending, Income and Savings Up in November</title>
		<link>http://www.savingwithoutabudget.com/news/personal-spending-income-and-savings-up-in-november/</link>
		<comments>http://www.savingwithoutabudget.com/news/personal-spending-income-and-savings-up-in-november/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 15:46:05 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
		<br />
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		<description><![CDATA[


 According to the Commerce Department, personal income climbed 0.4% during November, which is the largest increase in the past six months. Additionally, personal spending increased by a modest 0.5% in November as well.
While it’s good to see these numbers increasing, it should be noted that the gains in both personal income and personal spending [...]]]></description>
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		<title>When Should The Fed Start to Raise Rates?</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/when-should-the-fed-start-to-raise-rates/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/when-should-the-fed-start-to-raise-rates/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 18:50:25 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
		<br />
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		<description><![CDATA[


 According to an article by Chris Isidore of CNNMoney.com, a vast majority of economists expect that the United States Federal Reserve will keep its overnight lending rate – to which many home equity and credit cards interest rates are tied – near 0% through 2010 and into 2011.
Obviously, this is great news for those [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When Do You Think Housing Will Rebound?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/#comments</comments>
		<pubDate>Wed, 10 Oct 2007 00:47:14 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
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		<description><![CDATA[With the United States is stuck in the worst housing slump since the Great Depression, it&#8217;s easy to see why most of the national media and many of us have bought into the &#8220;Chicken Little&#8221; (aka &#8220;the sky is falling&#8221;) mentality.
Prices of new and existing homes continue to fall, the inventory of unsold homes continues [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>The Case For an Economic Depression</title>
		<link>http://www.savingwithoutabudget.com/news/the-case-for-an-economic-depression/</link>
		<comments>http://www.savingwithoutabudget.com/news/the-case-for-an-economic-depression/#comments</comments>
		<pubDate>Sat, 22 Sep 2007 00:34:11 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
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		<description><![CDATA[The more I think of it, the more I can&#8217;t help but believe that we&#8217;re on the verge of an economic collapse on par with The Great Depression.
The American economy is built on a house of cards.  Consumer spending makes up two-thirds of our GDP, which means we&#8217;re not a productive country, like how [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>Helicopter Ben Shocks the Markets and Proves Me Wrong</title>
		<link>http://www.savingwithoutabudget.com/news/helicopter-ben-shocks-the-markets-and-proves-me-wrong/</link>
		<comments>http://www.savingwithoutabudget.com/news/helicopter-ben-shocks-the-markets-and-proves-me-wrong/#comments</comments>
		<pubDate>Wed, 19 Sep 2007 01:15:14 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>

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		<description><![CDATA[So much for the Federal Reserve holding steady and keeping the federal funds rate at 5.25% for another month.
As I&#8217;m sure you&#8217;re well aware by now, Ben Bernanke and the Federal Open Market Committee today announced that they had lowered the federal funds rate by 50 basis points (most economists expected a 25 basis point [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Wake Up!  The Fed Is Not Going to Cut Rates</title>
		<link>http://www.savingwithoutabudget.com/news/wake-up-the-fed-is-not-going-to-cut-rates/</link>
		<comments>http://www.savingwithoutabudget.com/news/wake-up-the-fed-is-not-going-to-cut-rates/#comments</comments>
		<pubDate>Fri, 14 Sep 2007 23:20:52 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
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		<description><![CDATA[On September 18, the Federal Reserve is going to take the unpopular stance and will announce that they have decided to leave the federal funds rate at 5.25%, where it has been for over a year.
It&#8217;s going to shock Wall Street &#8211; who apparently believes it&#8217;s a foregone conclusion that the Fed will drop rates [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>The Flipside of my Argument Against a Housing Rally</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/the-flipside-of-my-argument-against-a-housing-rally/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/the-flipside-of-my-argument-against-a-housing-rally/#comments</comments>
		<pubDate>Thu, 16 Aug 2007 23:10:55 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Okay, so I sat down and thought more about what I wrote yesterday.  After some careful consideration, I still think the housing market is in for some trouble, but I think that the light at the end of the tunnel might actually be closer than what I initially thought.
First off, I think it&#8217;s important [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Sales Fall to Five Year Low &#8211; When Will it End?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/home-sales-fall-to-five-year-low-when-will-it-end/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/home-sales-fall-to-five-year-low-when-will-it-end/#comments</comments>
		<pubDate>Thu, 16 Aug 2007 01:06:05 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>

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		<description><![CDATA[As a recent home buyer, it pains me to no end to write the article.  At the same time, it pains me ever more to hear people say, &#8220;don&#8217;t worry, the home prices will bounce back soon,&#8221; when speaking about the currently woeful housing market.
I hate to be the bearer of bad news, but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Thanks Mr. Greenspan!</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/thanks-mr-greenspan/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/thanks-mr-greenspan/#comments</comments>
		<pubDate>Sat, 11 Aug 2007 22:11:54 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Miscellaneous]]></category>

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		<description><![CDATA[Let me preface everything I&#8217;m about to write by reminding you that despite having a degree in business/finance, I am nothing more than an arm-chair economist.  I find economic theory to be completely fascinating, but at the same time, I&#8217;m not exactly well versed in it.
That being said, I don&#8217;t think it takes a [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Alan Greenspan&#8217;s New Book</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/alan-greenspans-new-book/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/alan-greenspans-new-book/#comments</comments>
		<pubDate>Sun, 03 Jun 2007 21:30:30 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Miscellaneous]]></category>

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		<description><![CDATA[It looks like Alan Greenspan is about to cash in in a pretty big way.
Greenspan is due to collect $8.5 million for an upcoming memoir entitled The Age of Turbulence: Adventures in a New World, which to me sounds more like a science fiction novel as opposed to something by a former Chairman of The [...]]]></description>
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		<slash:comments>1</slash:comments>
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