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	<title>MechanicsofMoney</title>
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	<link>http://www.mechanicsofmoney.com</link>
	<description>Free Answers to Money Questions</description>
	<lastBuildDate>Sun, 10 Oct 2010 18:18:16 +0000</lastBuildDate>
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		<title>5 Ways to Hold Title to Property</title>
		<link>http://www.mechanicsofmoney.com/5-ways-to-hold-title-to-property/</link>
		<comments>http://www.mechanicsofmoney.com/5-ways-to-hold-title-to-property/#comments</comments>
		<pubDate>Sun, 10 Oct 2010 17:41:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Disposing of Property]]></category>
		<category><![CDATA[Estate & Gift Taxes]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Probate]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/?p=90</guid>
		<description><![CDATA[How you hold title to property can dictate who receives the property on your death, whether the property is subject to probate, and how it is taxed. This article examines the five ways title to property and the consequences of each. Fee Simple Fee simple is a term for full ownership. The owners can dispose [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>When Should You Consider Bankruptcy?</title>
		<link>http://www.mechanicsofmoney.com/when-should-you-consider-bankruptcy/</link>
		<comments>http://www.mechanicsofmoney.com/when-should-you-consider-bankruptcy/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 21:57:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit - Debt Management]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[personal banrkuptcy]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/?p=69</guid>
		<description><![CDATA[If you are in midst of a financial crisis, bankruptcy is just one option. There are no set in stone rules when it comes to filing. Everyone&#8217;s situation is different and must be analyzed on a case-by-case basis. Keep in mind bankruptcy will follow you for at least 10 years and perhaps longer. While it [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/when-should-you-consider-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. International Tax Withholding and Reporting Requirements</title>
		<link>http://www.mechanicsofmoney.com/international-tax-reporting-withholdin/</link>
		<comments>http://www.mechanicsofmoney.com/international-tax-reporting-withholdin/#comments</comments>
		<pubDate>Sat, 16 Aug 2008 19:45:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[International Tax]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[tax reporting]]></category>
		<category><![CDATA[tax withholding]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/?p=68</guid>
		<description><![CDATA[Payments made by U.S. citizens and resident aliens (“U.S. persons”) to non-U.S. persons are typically subject to U.S. tax withholding and result in U.S. tax reporting requirements. These requirements can be difficult to understand and a misstep can prove to be very costly. U.S. Tax Withholding Whether a U.S. person is required to withhold tax [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/international-tax-reporting-withholdin/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>20 Solid Reasons to Own Gold Coins &#8211; Now!</title>
		<link>http://www.mechanicsofmoney.com/buy-gold-coins/</link>
		<comments>http://www.mechanicsofmoney.com/buy-gold-coins/#comments</comments>
		<pubDate>Fri, 15 Aug 2008 05:16:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Alternative Investments]]></category>
		<category><![CDATA[Financial Blog]]></category>
		<category><![CDATA[Investment Planning]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/buy-gold-coins/</guid>
		<description><![CDATA[There are very few financial instruments left that offer financial security. When the world went off the gold standard in the 60&#8242;s and 70&#8242;s ( it happened slow so that you won&#8217;t know). Gold coins are the benchmark for value. They become a solid storehouse for your productivity.    Here are 20 reasons why you must [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/buy-gold-coins/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Considering Non-Qualified Deferred Compensation: What Business Owners Should Know</title>
		<link>http://www.mechanicsofmoney.com/considering-non-qualified-deferred-compensation-what-business-owners-should-know/</link>
		<comments>http://www.mechanicsofmoney.com/considering-non-qualified-deferred-compensation-what-business-owners-should-know/#comments</comments>
		<pubDate>Sun, 27 Jul 2008 02:31:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>
		<category><![CDATA[Financial Goals]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/considering-non-qualified-deferred-compensation-what-business-owners-should-know/</guid>
		<description><![CDATA[Businesses often fail to take full advantage of tax savings opportunities that are available to them. This article provides a high level overview of one such tax savings opportunity, namely, non-qualified deferred compensation plans. What is Deferred Compensation? Deferred compensation generally includes payments earned in a year prior to the year in which the payment [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/considering-non-qualified-deferred-compensation-what-business-owners-should-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make Money Off of Things You Know</title>
		<link>http://www.mechanicsofmoney.com/make-money-off-of-things-you-know/</link>
		<comments>http://www.mechanicsofmoney.com/make-money-off-of-things-you-know/#comments</comments>
		<pubDate>Thu, 05 Jun 2008 05:07:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/make-money-off-of-things-you-know/</guid>
		<description><![CDATA[Passitto.com,  social referral network, recently launched.  The premise is that we all know people who are looking for goods and services, so why not put that information to good use and earn some money, all while helping people find goods and services they need?  I know, it sounds too good to be true.  Here is an explanation on [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/make-money-off-of-things-you-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Understanding Taxes; Understanding Finances</title>
		<link>http://www.mechanicsofmoney.com/understanding-taxes-understanding-finances/</link>
		<comments>http://www.mechanicsofmoney.com/understanding-taxes-understanding-finances/#comments</comments>
		<pubDate>Sun, 14 Oct 2007 00:30:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/understanding-taxes-understanding-finances/</guid>
		<description><![CDATA[Taxes are not as sexy as investments, yet alone real estate, retirement plans, or even insurance. This is understandable, as taxes do involve paperwork, forms, and rules, exceptions, and exceptions to exceptions. But that is not the whole picture. Think about it this way. If the average person spent two hours per week thinking and [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/understanding-taxes-understanding-finances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Online Financial Web Tools</title>
		<link>http://www.mechanicsofmoney.com/new-online-financial-web-tools/</link>
		<comments>http://www.mechanicsofmoney.com/new-online-financial-web-tools/#comments</comments>
		<pubDate>Sun, 23 Sep 2007 01:27:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit - Debt Management]]></category>
		<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/new-online-financial-web-tools/</guid>
		<description><![CDATA[There are a number of great online financial tools that can help organize your financial life. Here is a brief review of some of the more promising online financial tools: Mint.com &#8211; this website provides users with a means for viewing all of their accounts on one website, including checking, savings, and credit card accounts. [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/new-online-financial-web-tools/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Six Reasons Why Investment Gurus do not Blog</title>
		<link>http://www.mechanicsofmoney.com/six-reasons-why-investment-gurus-do-not-blog/</link>
		<comments>http://www.mechanicsofmoney.com/six-reasons-why-investment-gurus-do-not-blog/#comments</comments>
		<pubDate>Thu, 17 May 2007 04:00:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/six-reasons-why-investment-gurus-do-not-blog/</guid>
		<description><![CDATA[Have you noticed that there aren’t really any investment blogs on the web? Here are six reasons why there are no investment blogs: Most investment gurus believe that the markets are efficient and they fear that by providing information on an investment blog the guru would trigger mass hysteria. Most investment gurus believe that the [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/six-reasons-why-investment-gurus-do-not-blog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The IRS Audit: Fear Not</title>
		<link>http://www.mechanicsofmoney.com/the-irs-audit-fear-not/</link>
		<comments>http://www.mechanicsofmoney.com/the-irs-audit-fear-not/#comments</comments>
		<pubDate>Thu, 17 May 2007 03:30:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[The IRS]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/the-irs-audit-fear-not/</guid>
		<description><![CDATA[Receiving a letter from the IRS can be scary. Receiving a letter from the IRS that says that your tax return has been selected from audit can be even scarier. It shouldn’t be. The IRS audit process is merely a means for the government to determine that taxpayers have reported and paid tax as they [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/the-irs-audit-fear-not/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Eliminate Taxes for &#8220;Pennies on the Dollar&#8221;?</title>
		<link>http://www.mechanicsofmoney.com/eliminate-taxes-for-pennies-on-the-dollar/</link>
		<comments>http://www.mechanicsofmoney.com/eliminate-taxes-for-pennies-on-the-dollar/#comments</comments>
		<pubDate>Sun, 13 May 2007 21:46:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/eliminate-taxes-for-pennies-on-the-dollar/</guid>
		<description><![CDATA[We have all heard that the IRS will settle tax debts for pennys on the dollar. This tax settlement process referrs to the IRS offer in compromise program. Colorado Tax Attorney Kreig Mitchell recently posted an excellent article that exposes a few of the flaws in the IRS offer in compromise program. That article states [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/eliminate-taxes-for-pennies-on-the-dollar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money on Auto Insurance</title>
		<link>http://www.mechanicsofmoney.com/saving-money-on-auto-insurance/</link>
		<comments>http://www.mechanicsofmoney.com/saving-money-on-auto-insurance/#comments</comments>
		<pubDate>Wed, 09 May 2007 23:27:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Automobile Insurance]]></category>
		<category><![CDATA[Insurance Planning]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/saving-money-on-auto-insurance/</guid>
		<description><![CDATA[We have all heard that we can save hundreds of dollars on our automobile insurance coverage by switching to another insurance company. The truth is that you may not have to switch insurance companies to save on your automobile insurance. Understanding Automobile Insurance Coverage The first step in figuring out how to save money on [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/saving-money-on-auto-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Diversification of Investment Assets</title>
		<link>http://www.mechanicsofmoney.com/diversification-of-investment-assets/</link>
		<comments>http://www.mechanicsofmoney.com/diversification-of-investment-assets/#comments</comments>
		<pubDate>Wed, 09 May 2007 20:56:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment Planning]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/diversification-of-investment-assets/</guid>
		<description><![CDATA[Diversification involves pooling investment assets with the aim of limiting risk. In this case, risk refers to volatility or fluctuations in the value of individual investment assets.  The idea is that two investment assets are less likely to suffer dramatic fluctuations in value at the same time. Diversification may involve investing in different types of [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/diversification-of-investment-assets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hiring a Financial Advisor</title>
		<link>http://www.mechanicsofmoney.com/hiring-a-financial-advisor/</link>
		<comments>http://www.mechanicsofmoney.com/hiring-a-financial-advisor/#comments</comments>
		<pubDate>Wed, 09 May 2007 00:45:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/hiring-a-financial-advisor/</guid>
		<description><![CDATA[Hiring financial advisers can be challenging. The news and popular media often provide coverage when financial advisers do something wrong, but they do not help consumers find competent and ethical financial advisors. Here are a few articles that address how to find good financial advisors: How to Evaluate Financial Advisers When Should You Hire a [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/hiring-a-financial-advisor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Evaluate Financial Advisers</title>
		<link>http://www.mechanicsofmoney.com/how-to-evaluate-financial-advisers/</link>
		<comments>http://www.mechanicsofmoney.com/how-to-evaluate-financial-advisers/#comments</comments>
		<pubDate>Wed, 09 May 2007 00:26:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Hiring A Financial Adisor]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/how-to-evaluate-financial-advisers/</guid>
		<description><![CDATA[We all want to hire the best financial advisers. The hardest part about hiring a financial adviser is determining how the adviser compares to other financial advisers. There are a number of ways to compare financial advisers. Financial Adviser Compensation Perhaps the most telling way to assess a financial adviser is to determine how he [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/how-to-evaluate-financial-advisers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Career: Our Greatest Asset</title>
		<link>http://www.mechanicsofmoney.com/the-career-our-greatest-asset/</link>
		<comments>http://www.mechanicsofmoney.com/the-career-our-greatest-asset/#comments</comments>
		<pubDate>Sun, 06 May 2007 03:43:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Career Planning]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/the-career-our-greatest-asset/</guid>
		<description><![CDATA[For most of us, our careers will produce more income over time than any combination of investment assets that we will hold. By recognizing that our career is in fact an investment asset, we can start to plan for how to secure, diversify and figure out how to grow this investment asset. Understanding You Career [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/the-career-our-greatest-asset/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rebuilding or Improving Credit</title>
		<link>http://www.mechanicsofmoney.com/rebuilding-or-improving-credit/</link>
		<comments>http://www.mechanicsofmoney.com/rebuilding-or-improving-credit/#comments</comments>
		<pubDate>Fri, 04 May 2007 15:09:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/rebuilding-or-improving-credit/</guid>
		<description><![CDATA[Rebuilding credit can be difficult, but not impossible. Consumers with bad credit or who would like to improve their credit score should start by creating a plan to improve their credit rating. Specifically, they should write out a plan and do their best to adhere to and modify the plan over time. Understanding the credit [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/rebuilding-or-improving-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Credit &amp; Credit Reports</title>
		<link>http://www.mechanicsofmoney.com/understanding-credit-credit-reports/</link>
		<comments>http://www.mechanicsofmoney.com/understanding-credit-credit-reports/#comments</comments>
		<pubDate>Fri, 04 May 2007 04:43:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/understanding-credit-credit-reports/</guid>
		<description><![CDATA[Everyone will want to borrow money at some point in their lifetime. Banks, mortgage companies, and credit card companies look to credit reports to determine whether to lend money and how much interest and down payments they will require. Having good credit can make the borrowing process easier and it can result in thousands of [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/understanding-credit-credit-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Index Fund or Money Manger?</title>
		<link>http://www.mechanicsofmoney.com/index-fund-or-money-manger/</link>
		<comments>http://www.mechanicsofmoney.com/index-fund-or-money-manger/#comments</comments>
		<pubDate>Thu, 03 May 2007 00:27:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/index-fund-or-money-manger/</guid>
		<description><![CDATA[There has been a lot written about whether to invest in index funds or to hire a professional money manager. The Freemoney Finance Blog, which is not written by a financial advisor, expresses the typical non-investment advisor sentiment that investing in index funds is better than hiring a professional money manager. CASTrader Blog recently posted [...]]]></description>
		<wfw:commentRss>http://www.mechanicsofmoney.com/index-fund-or-money-manger/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roundup: New Financial Articles</title>
		<link>http://www.mechanicsofmoney.com/roundup-new-financial-articles/</link>
		<comments>http://www.mechanicsofmoney.com/roundup-new-financial-articles/#comments</comments>
		<pubDate>Tue, 01 May 2007 17:31:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Blog]]></category>

		<guid isPermaLink="false">http://www.mechanicsofmoney.com/roundup-new-financial-articles/</guid>
		<description><![CDATA[There have been a number of good articles added to the Mechanics of Money website lately. I thought that I would take a few minutes to highlight a few of these articles. Financial Goals: Finding Certainty in Uncertainty &#8211; provides a good discussion of how to set goals when life is so uncertain. Personal Savings [...]]]></description>
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