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	<title>Bob Brooks - Prudent Money Blog &#187; Ask Bob Q and A</title>
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	<link>http://blog.prudentmoney.com</link>
	<description>No hype. No agenda. Just financial information from a Christian perspective.</description>
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		<title>How Do I Start Tithing?</title>
		<link>http://blog.prudentmoney.com/2009/08/13/how-do-i-start-tithing/</link>
		<comments>http://blog.prudentmoney.com/2009/08/13/how-do-i-start-tithing/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 15:15:58 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Christianity/Faith]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt repayment]]></category>
		<category><![CDATA[Deceptie Money]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[God]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[New Testament]]></category>
		<category><![CDATA[Old Testament]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[sacrifice]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[tithing]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=2380</guid>
		<description><![CDATA[Q:  My husband and I have not been very good stewards with regards to our money in the past.  At this point, I am planning to take over the finances in order to get us on a budget that includes covering monthly expenses, tithing, saving, and debt repayment.  I also intend to [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What To Do If You Are In Cash</title>
		<link>http://blog.prudentmoney.com/2008/11/18/what-to-do-if-you-are-in-cash/</link>
		<comments>http://blog.prudentmoney.com/2008/11/18/what-to-do-if-you-are-in-cash/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 20:58:11 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Bob's Past Bear Market Warnings]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=576</guid>
		<description><![CDATA[


ASK Bob Q and A
 
Currently my 401(k) portfolio has the following distribution. This was done after reading your advice on the coming recession/crisis in July and I have limited my losses to ~12% for the year.  After reading your advice this morning, how can I still make my financial goal for the retirement?  
 


I am 56 [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/11/18/what-to-do-if-you-are-in-cash/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Always Get An Attorney &#8211; A Great Success Story</title>
		<link>http://blog.prudentmoney.com/2008/11/18/always-get-an-attorney-a-great-success-story/</link>
		<comments>http://blog.prudentmoney.com/2008/11/18/always-get-an-attorney-a-great-success-story/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 09:08:43 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=574</guid>
		<description><![CDATA[A Recent Ask Bob
Bob,
It has been a while since I got in touch with you. I wanted to let you know that Discover card sued me on 08-29-08.  I got a lawyer and explained my situation to him and sent him a copy of the settlement letter  and bank statement showing that I had sent [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/11/18/always-get-an-attorney-a-great-success-story/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Was the Obama Nation Interview Appropriate?</title>
		<link>http://blog.prudentmoney.com/2008/08/28/was-the-obama-nation-interview-appropriate/</link>
		<comments>http://blog.prudentmoney.com/2008/08/28/was-the-obama-nation-interview-appropriate/#comments</comments>
		<pubDate>Thu, 28 Aug 2008 23:22:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[The Government / Politicians]]></category>
		<category><![CDATA[ask Bob]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Christian Values]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Dr. Corsi]]></category>
		<category><![CDATA[elections]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[partisan politics]]></category>
		<category><![CDATA[political authors]]></category>
		<category><![CDATA[politics]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[Senator McCain]]></category>
		<category><![CDATA[Senator Obama]]></category>
		<category><![CDATA[voters]]></category>
		<category><![CDATA[Washington]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=272</guid>
		<description><![CDATA[Dear Bob,
I&#8217;m seriously confused with how Prudent Money shifts to political forum. To be honest, I was uncomfortable with how your program became a medium for political authors to use in fighting political rivals. Do you think it was appropriate to allow that? I may be wrong, but I think your good program is aimed [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/08/28/was-the-obama-nation-interview-appropriate/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Another Bank of America Story</title>
		<link>http://blog.prudentmoney.com/2008/07/16/another-bank-of-america-story/</link>
		<comments>http://blog.prudentmoney.com/2008/07/16/another-bank-of-america-story/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 18:08:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=245</guid>
		<description><![CDATA[Dear Bob,
Bank of America allowed someone to take out a credit card in my name signing themselves on as an ‘authorized user.’  I knew nothing of the card.  Bank of America filed a lawsuit against me, and then withdrew it when they knew they would lose the case.  They sold the file [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/07/16/another-bank-of-america-story/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Even If Interest Rates Go Up, Keep Payments Current</title>
		<link>http://blog.prudentmoney.com/2008/07/14/even-if-interest-rates-go-up-keep-payments-current/</link>
		<comments>http://blog.prudentmoney.com/2008/07/14/even-if-interest-rates-go-up-keep-payments-current/#comments</comments>
		<pubDate>Mon, 14 Jul 2008 16:30:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card company]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[credit solutions company]]></category>
		<category><![CDATA[debt colecotrs]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=243</guid>
		<description><![CDATA[Dear Bob, 
I was 2 days late on my credit card bill. My interest rate went from 3% to 24%. That means my monthly payment went from $30 to $175. I all ready contacted the credit card company and they are not willing to do anything, they said after 45 days maybe. I am have [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/07/14/even-if-interest-rates-go-up-keep-payments-current/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Higher Standards?</title>
		<link>http://blog.prudentmoney.com/2008/05/13/higher-standards/</link>
		<comments>http://blog.prudentmoney.com/2008/05/13/higher-standards/#comments</comments>
		<pubDate>Tue, 13 May 2008 17:14:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Banking System]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=210</guid>
		<description><![CDATA[Email #1Bank of America allowed someone to take out a credit card in my name signing themselves on as an &#8216;authorized user&#8217;. I knew nothing of the card. BOA filed a lawsuit against me, and then withdrew it when they knew they would lose the case. They sold the file to 3 different debt collectors, [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/05/13/higher-standards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Avoid Being Scammed</title>
		<link>http://blog.prudentmoney.com/2008/05/08/how-to-avoid-being-scammed/</link>
		<comments>http://blog.prudentmoney.com/2008/05/08/how-to-avoid-being-scammed/#comments</comments>
		<pubDate>Thu, 08 May 2008 19:14:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[grant check]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[Scam]]></category>
		<category><![CDATA[Scammed]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=207</guid>
		<description><![CDATA[Recent Ask Bob Question:
I received a grant check for $4950 in the mail.  The letter stated that I did not have to pay it back. I would have to only pay a 10% commission fee which is $495. There was no phone number listed on the check. The letter stated that I would have [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/05/08/how-to-avoid-being-scammed/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Bill Dispute &#8211; Persistence Pays Off!!</title>
		<link>http://blog.prudentmoney.com/2008/04/17/bill-dispute-persistence-pays-off/</link>
		<comments>http://blog.prudentmoney.com/2008/04/17/bill-dispute-persistence-pays-off/#comments</comments>
		<pubDate>Thu, 17 Apr 2008 19:18:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[ask Bob]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[TXU]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=194</guid>
		<description><![CDATA[When there is a problem with a payment, companies are often times reluctant to help. One of the pieces of advice that I always give is to be persistent. It cannot hurt anything and might just get a problem resolved.
I wanted to share this Ask Bob Q&#38;A from a listener. This is a perfect example [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2008/04/17/bill-dispute-persistence-pays-off/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Q and A on Market Timing versus Buy and Hold Investing</title>
		<link>http://blog.prudentmoney.com/2007/12/04/q-and-a-on-market-timing-versus-buy-and-hold-investing/</link>
		<comments>http://blog.prudentmoney.com/2007/12/04/q-and-a-on-market-timing-versus-buy-and-hold-investing/#comments</comments>
		<pubDate>Tue, 04 Dec 2007 19:32:00 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Ask Bob Q and A]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Buy and Hold]]></category>
		<category><![CDATA[Common Sense Investing]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[John Bogle]]></category>
		<category><![CDATA[managed mutual funds]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[question and answer]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=116</guid>
		<description><![CDATA[I&#8217;ve listened to some of your author interviews via podcast, and have really appreciated the great info, and picked up some of the books. Two questions:QUESTION: I&#8217;m reading John Bogle’s book, &#8220;Common Sense Investing,” based on your interview, which really advocates a buy-and-hold index philosophy. His approach makes sense, but I can see from the [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2007/12/04/q-and-a-on-market-timing-versus-buy-and-hold-investing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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