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	<title>Free Financial Advice</title>
	<link>http://www.mechanicsofmoney.com</link>
	<description>Personal finance blog written by financial planners.</description>
	<lastBuildDate>Thu, 05 Jun 2008 05:07:57 +0000</lastBuildDate>
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		<title>Make Money Off of Things You Know</title>
		<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 the [...]]]></description>
		<link>http://www.mechanicsofmoney.com/make-money-off-of-things-you-know/</link>
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		<title>Understanding Taxes; Understanding Finances</title>
		<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 reading [...]]]></description>
		<link>http://www.mechanicsofmoney.com/understanding-taxes-understanding-finances/</link>
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		<title>New Online Financial Web Tools</title>
		<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 - this website provides users with a means for viewing all of their accounts on one website, including checking, savings, and credit card accounts. The [...]]]></description>
		<link>http://www.mechanicsofmoney.com/new-online-financial-web-tools/</link>
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		<title>Confession from a Financial Planner</title>
		<description><![CDATA[I started my financial planning career in college, earning a degree in financial planning. After nearly a decade of college, an internship, and a stint at a small fee-only financial advisor, I accepted a position with a boutique fee-only financial planning firm that worked with very wealthy clients. The firm had a solid reputation for [...]]]></description>
		<link>http://www.mechanicsofmoney.com/confession-from-a-financial-planner/</link>
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		<title>Six Reasons Why Investment Gurus do not Blog</title>
		<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 markets [...]]]></description>
		<link>http://www.mechanicsofmoney.com/six-reasons-why-investment-gurus-do-not-blog/</link>
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		<title>The IRS Audit: Fear Not</title>
		<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 [...]]]></description>
		<link>http://www.mechanicsofmoney.com/the-irs-audit-fear-not/</link>
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		<title>Eliminate Taxes for &#8220;Pennies on the Dollar&#8221;?</title>
		<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>
		<link>http://www.mechanicsofmoney.com/eliminate-taxes-for-pennies-on-the-dollar/</link>
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		<title>Saving Money on Auto Insurance</title>
		<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 automobile [...]]]></description>
		<link>http://www.mechanicsofmoney.com/saving-money-on-auto-insurance/</link>
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		<title>Diversification of Investment Assets</title>
		<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 investment vehicles, [...]]]></description>
		<link>http://www.mechanicsofmoney.com/diversification-of-investment-assets/</link>
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		<title>Hiring a Financial Advisor</title>
		<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 [...]]]></description>
		<link>http://www.mechanicsofmoney.com/hiring-a-financial-advisor/</link>
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