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	<title>Michael K Dawson . com &#187; Personal Finance 101</title>
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	<link>http://www.michaelkdawson.com</link>
	<description>Spotting Stock Market Trends and Riding &#039;em to the Bank</description>
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		<title>Do 401K plans still make sense?</title>
		<link>http://www.michaelkdawson.com/2009/03/25/do-401k-plans-still-make-sense/</link>
		<comments>http://www.michaelkdawson.com/2009/03/25/do-401k-plans-still-make-sense/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 13:20:56 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[target date]]></category>

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		<description><![CDATA[Millions of Americans, unbeknown to them, are trusting their retirement to the luck of the stock market draw.  I recently talked about this in my post 401Ks: Main Street’s Friend or Foe? I just stumbled across a great article from the Wall Street Journal that adds data to my intuitive thinking. Boston College&#8217;s retirement research [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2008/11/15/look-out-wall-street-investors-are-fed-up/' rel='bookmark' title='Look out Wall Street:  Investors Are Getting Fed Up'>Look out Wall Street:  Investors Are Getting Fed Up</a></li>
<li><a href='http://www.michaelkdawson.com/2009/01/31/401k-to-201k-next-stop-101k/' rel='bookmark' title='401K to 201K &#8211; Next Stop 101K ?'>401K to 201K &#8211; Next Stop 101K ?</a></li>
<li><a href='http://www.michaelkdawson.com/2008/10/12/jason-meets-the-stock-market/' rel='bookmark' title='Jason Meets the Stock Market'>Jason Meets the Stock Market</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Are Gas Prices So High, And What Can You Do About It?</title>
		<link>http://www.michaelkdawson.com/2007/06/01/why-are-gas-prices-so-high-and-what-can-you-do-about-it/</link>
		<comments>http://www.michaelkdawson.com/2007/06/01/why-are-gas-prices-so-high-and-what-can-you-do-about-it/#comments</comments>
		<pubDate>Fri, 01 Jun 2007 20:36:16 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Energy]]></category>
		<category><![CDATA[Personal Finance 101]]></category>

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		<description><![CDATA[I had an interesting discussion this week about why gas prices are so high.  It was actually more of an argument than a discussion.  As prices continue going up, the debates get more emotional.  There is absolutely nothing you or I can do about the price the oil.  As in any situation, I look for the opportunity.  You should know where [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/07/05/gas-at-4-per-gallon/' rel='bookmark' title='Gas at $4 per gallon?'>Gas at $4 per gallon?</a></li>
<li><a href='http://www.michaelkdawson.com/2006/09/28/profit-from-the-big-drop-in-oil-prices/' rel='bookmark' title='Profit From The Big Drop In Oil Prices'>Profit From The Big Drop In Oil Prices</a></li>
<li><a href='http://www.michaelkdawson.com/2007/05/17/gasoline-prices-continue-to-set-records/' rel='bookmark' title='Gasoline Prices Continue to Set Records'>Gasoline Prices Continue to Set Records</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/06/01/why-are-gas-prices-so-high-and-what-can-you-do-about-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Women Face a Retirement Crisis</title>
		<link>http://www.michaelkdawson.com/2007/04/26/why-women-face-a-retirement-crisis-2/</link>
		<comments>http://www.michaelkdawson.com/2007/04/26/why-women-face-a-retirement-crisis-2/#comments</comments>
		<pubDate>Fri, 27 Apr 2007 01:48:07 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[Women and Money]]></category>

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		<description><![CDATA[Articles written specifically for women on money issues most often include lessons for men as well.  I found the following table quite interesting and alarming.   This quote follows the table: &#8220;You&#8217;ll notice there aren&#8217;t any contribution suggestions for you 45-year-olds if you don&#8217;t have at least 3 times your income saved. That&#8217;s because T. [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/07/26/why-women-face-a-retirement-crisis/' rel='bookmark' title='Why women face a retirement crisis?'>Why women face a retirement crisis?</a></li>
<li><a href='http://www.michaelkdawson.com/2007/01/19/women-face-uphill-challenges-in-keeping-their-financial-strength/' rel='bookmark' title='Women Face Uphill Challenges in Keeping Their Financial Strength'>Women Face Uphill Challenges in Keeping Their Financial Strength</a></li>
<li><a href='http://www.michaelkdawson.com/2006/08/16/women-and-retirement-wake-up-call/' rel='bookmark' title='Women and Retirement Wake-Up Call!'>Women and Retirement Wake-Up Call!</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/04/26/why-women-face-a-retirement-crisis-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Risks of Being Audited</title>
		<link>http://www.michaelkdawson.com/2007/04/18/the-risks-of-being-audited/</link>
		<comments>http://www.michaelkdawson.com/2007/04/18/the-risks-of-being-audited/#comments</comments>
		<pubDate>Wed, 18 Apr 2007 21:04:09 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2007/04/18/the-risks-of-being-audited/</guid>
		<description><![CDATA[April 18 &#8211; it&#8217;s time to relax.  Unless you are like me and have filed for an extension your taxes are in, but can you really relax.  What if the IRS has a couple of questions for you?  The following article discusses the probability of being audited as well as the process.  According to this [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/11/30/risks-in-real-estate-investing-to-fund-college/' rel='bookmark' title='Risks in Real Estate Investing to Fund College'>Risks in Real Estate Investing to Fund College</a></li>
<li><a href='http://www.michaelkdawson.com/2006/08/21/foreclosed-properties-may-offer-bargains-but-there-are-risks/' rel='bookmark' title='Foreclosed Properties May Offer Bargains, but There Are Risks'>Foreclosed Properties May Offer Bargains, but There Are Risks</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/04/18/the-risks-of-being-audited/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Tax Earmarking</title>
		<link>http://www.michaelkdawson.com/2007/04/13/personal-tax-earmarking/</link>
		<comments>http://www.michaelkdawson.com/2007/04/13/personal-tax-earmarking/#comments</comments>
		<pubDate>Fri, 13 Apr 2007 12:37:37 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2007/04/13/personal-tax-earmarking/</guid>
		<description><![CDATA[A reader sent me the link to a site on Tax Earmarking.  It sounds like an interesting concept.   However, I question some of the benefits.  For example, this concept would encourage people to file taxes earlier.  Since I typically owe the Government money, I am not paying until the last possible moment.  Another benefit is that [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/11/10/smart-year-end-tax-moves/' rel='bookmark' title='Smart Year-End Tax Moves'>Smart Year-End Tax Moves</a></li>
<li><a href='http://www.michaelkdawson.com/2006/07/17/inflation-tax/' rel='bookmark' title='Inflation Tax'>Inflation Tax</a></li>
<li><a href='http://www.michaelkdawson.com/2007/02/02/simple-tax-refund-most-arent-claiming/' rel='bookmark' title='Simple Tax Refund Most Aren&#8217;t Claiming'>Simple Tax Refund Most Aren&#8217;t Claiming</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/04/13/personal-tax-earmarking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt and Financial Freedom Don&#8217;t Mix</title>
		<link>http://www.michaelkdawson.com/2007/03/30/debt-and-financial-freedom-dont-mix/</link>
		<comments>http://www.michaelkdawson.com/2007/03/30/debt-and-financial-freedom-dont-mix/#comments</comments>
		<pubDate>Fri, 30 Mar 2007 13:41:32 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2007/03/30/debt-and-financial-freedom-dont-mix/</guid>
		<description><![CDATA[One of my least favorite subjects in the financial freedom arena is debt reduction.  People use all kinds of reasons to justify their debt and it becomes a very emotional struggle to eliminate it.  I am pleased that I have adopted the &#8220;Not So Easy&#8221; approach to financial freedom.  That way I don&#8217;t have to [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/08/15/debt-reduction-the-weed-out-course-on-the-road-to-financial-freedom/' rel='bookmark' title='Debt Reduction: The Weed-Out Course on the Road to Financial Freedom'>Debt Reduction: The Weed-Out Course on the Road to Financial Freedom</a></li>
<li><a href='http://www.michaelkdawson.com/2007/05/17/financial-freedom-butchered/' rel='bookmark' title='Financial Freedom Butchered'>Financial Freedom Butchered</a></li>
<li><a href='http://www.michaelkdawson.com/2006/08/01/60-second-guide-to-getting-out-of-debt/' rel='bookmark' title='60-SECOND GUIDE TO &#8230; Getting out of Debt'>60-SECOND GUIDE TO &#8230; Getting out of Debt</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/03/30/debt-and-financial-freedom-dont-mix/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Credit Card Debt the Movie</title>
		<link>http://www.michaelkdawson.com/2007/03/09/credit-card-debt-the-movie/</link>
		<comments>http://www.michaelkdawson.com/2007/03/09/credit-card-debt-the-movie/#comments</comments>
		<pubDate>Fri, 09 Mar 2007 22:10:07 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2007/03/09/credit-card-debt-the-movie/</guid>
		<description><![CDATA[It is a sad state of affairs.  Credit card debt is so out of control that they are making movies about it.    Source: Herald Net Some of the stories, for instance, are clearly examples of addictive personalities, people who simply can&#8217;t stop spending money, or who have no idea that buying something with a [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2007/01/11/women-spend-like-theres-no-tomorrow-credit-card-debt-a-major-issue/' rel='bookmark' title='Women Spend Like There&#8217;s No Tomorrow &#8211; Credit Card Debt a Major Issue'>Women Spend Like There&#8217;s No Tomorrow &#8211; Credit Card Debt a Major Issue</a></li>
<li><a href='http://www.michaelkdawson.com/2006/07/18/5-ways-to-destroy-your-credit/' rel='bookmark' title='5 Ways to Destroy your Credit'>5 Ways to Destroy your Credit</a></li>
<li><a href='http://www.michaelkdawson.com/2006/08/08/pay-off-high-interest-first/' rel='bookmark' title='Pay Off High Interest First'>Pay Off High Interest First</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/03/09/credit-card-debt-the-movie/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Simple Tax Refund Most Aren&#8217;t Claiming</title>
		<link>http://www.michaelkdawson.com/2007/02/02/simple-tax-refund-most-arent-claiming/</link>
		<comments>http://www.michaelkdawson.com/2007/02/02/simple-tax-refund-most-arent-claiming/#comments</comments>
		<pubDate>Fri, 02 Feb 2007 13:25:23 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2007/02/02/simple-tax-refund-most-arent-claiming/</guid>
		<description><![CDATA[Source: Market Watch It&#8217;s perhaps the easiest $30 to $60 you&#8217;ll ever collect from the IRS, but more than one-third of early-bird tax filers failed to claim the telephone excise tax refund, available this year to just about any taxpayer who paid for long-distance telephone service in recent years, the IRS said Wednesday. &#8220;A little [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2006/11/10/smart-year-end-tax-moves/' rel='bookmark' title='Smart Year-End Tax Moves'>Smart Year-End Tax Moves</a></li>
<li><a href='http://www.michaelkdawson.com/2007/04/13/personal-tax-earmarking/' rel='bookmark' title='Personal Tax Earmarking'>Personal Tax Earmarking</a></li>
<li><a href='http://www.michaelkdawson.com/2006/07/17/inflation-tax/' rel='bookmark' title='Inflation Tax'>Inflation Tax</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.michaelkdawson.com/2007/02/02/simple-tax-refund-most-arent-claiming/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Smart Ways to Get a Raise</title>
		<link>http://www.michaelkdawson.com/2006/12/20/3-smart-ways-to-get-a-raise/</link>
		<comments>http://www.michaelkdawson.com/2006/12/20/3-smart-ways-to-get-a-raise/#comments</comments>
		<pubDate>Wed, 20 Dec 2006 22:45:33 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2006/12/20/3-smart-ways-to-get-a-raise/</guid>
		<description><![CDATA[If you don&#8217;t have direct responsibility for profit and loss or aren&#8217;t a salesperson, it can be a challenge to demonstrate to your boss that you deserve a raise.  That&#8217;s one of the reasons I loved my last job in sales.  It was pretty clear at the end of the year whether your performance was [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2007/02/24/top-10-ways-you-know-you%e2%80%99re-an-entrepreneur/' rel='bookmark' title='Top 10 Ways You Know You’re An Entrepreneur'>Top 10 Ways You Know You’re An Entrepreneur</a></li>
<li><a href='http://www.michaelkdawson.com/2006/07/18/5-ways-to-destroy-your-credit/' rel='bookmark' title='5 Ways to Destroy your Credit'>5 Ways to Destroy your Credit</a></li>
<li><a href='http://www.michaelkdawson.com/2006/08/03/stagflation-worries-raise-red-flag-for-us-markets/' rel='bookmark' title='Stagflation worries raise red flag for US markets'>Stagflation worries raise red flag for US markets</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Credit Report</title>
		<link>http://www.michaelkdawson.com/2006/12/12/free-credit-report/</link>
		<comments>http://www.michaelkdawson.com/2006/12/12/free-credit-report/#comments</comments>
		<pubDate>Tue, 12 Dec 2006 21:58:48 +0000</pubDate>
		<dc:creator>miked</dc:creator>
				<category><![CDATA[Personal Finance 101]]></category>

		<guid isPermaLink="false">http://www.michaelkdawson.com/2006/12/12/free-credit-report/</guid>
		<description><![CDATA[I remember when I graduated from college, nearly 20 years ago, I wanted to buy a car before I started my new job.  I had had enough.  I refused to be seen any longer riding around in a 1980 Ford Pinto.  Some may recall that the Pinto had a slight design defect.  Its fuel tank was in [...]


Related posts:<ol><li><a href='http://www.michaelkdawson.com/2007/03/09/credit-card-debt-the-movie/' rel='bookmark' title='Credit Card Debt the Movie'>Credit Card Debt the Movie</a></li>
<li><a href='http://www.michaelkdawson.com/2008/02/26/free-time-money-report-22508/' rel='bookmark' title='Free Time &amp; Money Report 2/25/08'>Free Time &#038; Money Report 2/25/08</a></li>
<li><a href='http://www.michaelkdawson.com/2006/07/18/5-ways-to-destroy-your-credit/' rel='bookmark' title='5 Ways to Destroy your Credit'>5 Ways to Destroy your Credit</a></li>
</ol>]]></description>
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		<slash:comments>4</slash:comments>
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