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	<title>Matthew Sapaula&#039;s Money Smart Radio - Financial talk show, podcasts and personal finance blog for middle-class homeowners, real estate investors, entrepreneurs and faith-based leaders - Chicago, IL &#187; Personal Finances</title>
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	<description>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business start to overwhelm you, tune in to listen to the latest tips, guest financial and business experts and discover answers to community questions.</description>
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	<itunes:summary>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business start to overwhelm you, tune in to listen to the latest tips, guest financial and business experts and discover answers to community questions.</itunes:summary>
	<itunes:author>Money Smart Guy - Matthew Sapaula</itunes:author>
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		<itunes:name>Money Smart Guy - Matthew Sapaula</itunes:name>
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	<managingEditor>mgs@moneysmartradio.com (Money Smart Guy - Matthew Sapaula)</managingEditor>
	<itunes:subtitle>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business star...</itunes:subtitle>
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		<title>Matthew Sapaula&#039;s Money Smart Radio - Financial talk show, podcasts and personal finance blog for middle-class homeowners, real estate investors, entrepreneurs and faith-based leaders - Chicago, IL &#187; Personal Finances</title>
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		<item>
		<title>What You May Not Be Getting From Bank Financial Advisors</title>
		<link>http://www.moneysmartradio.com/2010/06/16/what-you-may-not-be-getting-from-bank-financial-advisors/</link>
		<comments>http://www.moneysmartradio.com/2010/06/16/what-you-may-not-be-getting-from-bank-financial-advisors/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 14:24:37 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[bank financial planner]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[Yolander Prinzel]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2638</guid>
		<description><![CDATA[Finding a financial advisor that you respect and trust is not always an easy task. And considering the fact that you are entrusting this advisor with your hard-earned dough, it is not a decision you want to make in a hurry or without all the information.]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Matthew Sapaula Provides Financial Tips for Military Personnel on SCORE TV</title>
		<link>http://www.moneysmartradio.com/2010/06/15/matthew-sapaula-provides-financial-tips-for-military-personnel-on-score-tv/</link>
		<comments>http://www.moneysmartradio.com/2010/06/15/matthew-sapaula-provides-financial-tips-for-military-personnel-on-score-tv/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 03:42:28 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Entreprenuership]]></category>
		<category><![CDATA[Media Appearances]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Chicago Entrepreneurs]]></category>
		<category><![CDATA[Financial Planning for Veterans]]></category>
		<category><![CDATA[GI Bill]]></category>
		<category><![CDATA[Marine Corps]]></category>
		<category><![CDATA[Mark Goodman]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[Military Education]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[SCORE Chicago]]></category>
		<category><![CDATA[SCORE TV]]></category>
		<category><![CDATA[Veterans Benefits]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2633</guid>
		<description><![CDATA[Whether you are in the military now, plan to be in the future, or have recently left you need to be on top of your game regarding future financial plans and taking full advantage of all your veteran’s benefits. Matthew Sapaula recently met with SCORE Chicago to discuss some strategic financial planning moves for those who are in the military.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>#1 Financial Advisor Joel Wymer on Money Smart Radio</title>
		<link>http://www.moneysmartradio.com/2010/06/12/1-financial-advisor-joel-wymer-on-money-smart-radio/</link>
		<comments>http://www.moneysmartradio.com/2010/06/12/1-financial-advisor-joel-wymer-on-money-smart-radio/#comments</comments>
		<pubDate>Sat, 12 Jun 2010 12:38:47 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Beacon Journal]]></category>
		<category><![CDATA[Buckets of Money]]></category>
		<category><![CDATA[Chicago financial talk show]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Getting Rich]]></category>
		<category><![CDATA[Grow Your Cash Flow]]></category>
		<category><![CDATA[Joel Wymer]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[money smart radio]]></category>
		<category><![CDATA[Retirement Planning Myths]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2612</guid>
		<description><![CDATA[Every once in a while you get to meet someone who resonates and echoes your passion, core values and methodologies.  In the field of personal finance counselors, financial advisors and financial planners that is very tough to find.  Then comes along Joel Wymer from Akron, Ohio who has recently been voted by the Beacon Journal as the #1 financial advisor in his community.  ]]></description>
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		<slash:comments>2</slash:comments>
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		<title>You Don&#8217;t Need More Money &#8211; You Need Better Tools</title>
		<link>http://www.moneysmartradio.com/2010/06/10/you-dont-need-more-money-you-need-better-tools/</link>
		<comments>http://www.moneysmartradio.com/2010/06/10/you-dont-need-more-money-you-need-better-tools/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 16:26:02 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[debt-free]]></category>
		<category><![CDATA[Dr. Wayne Dyer]]></category>
		<category><![CDATA[Edward Sanchez]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[NPR]]></category>
		<category><![CDATA[Peter Buffet]]></category>
		<category><![CDATA[Registered Financial Consultant]]></category>
		<category><![CDATA[Renee Montagne]]></category>
		<category><![CDATA[self realization]]></category>
		<category><![CDATA[Warren Buffet]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2602</guid>
		<description><![CDATA[Financial freedom is not about making more money; it is about getting control of the money you are bringing home today.  Too many of us focus our attention on earning more money, getting a raise or a better job.  Just as many consumers blame their debt levels on low wages or a dead-end job.  Don’t blame the job and don’t blame the money.  When you look inside, you’ll find where to put the blame.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Self-Directed IRAs: Investing in Real Estate with Your IRA and 401(k)</title>
		<link>http://www.moneysmartradio.com/2010/06/01/self-directed-iras-investing-in-real-estate-with-your-ira-and-401k/</link>
		<comments>http://www.moneysmartradio.com/2010/06/01/self-directed-iras-investing-in-real-estate-with-your-ira-and-401k/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 19:17:25 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[401k rollover]]></category>
		<category><![CDATA[chicago real estate investing]]></category>
		<category><![CDATA[IRA LLC]]></category>
		<category><![CDATA[IRA transfer]]></category>
		<category><![CDATA[Mick Hersh]]></category>
		<category><![CDATA[Security Trust Company]]></category>
		<category><![CDATA[self-directed IRA]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2574</guid>
		<description><![CDATA[Did you realize a 30% loss in one year, requires a 43% rate of return the next, just to get your account value back to where you started? Use your IRA/401(k) savings to invest in real estate with a self-directed IRA.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Take Your Retirement Savings From &#8220;How? to Wow!&#8221;</title>
		<link>http://www.moneysmartradio.com/2010/05/24/take-your-retirement-savings-from-how-to-wow/</link>
		<comments>http://www.moneysmartradio.com/2010/05/24/take-your-retirement-savings-from-how-to-wow/#comments</comments>
		<pubDate>Mon, 24 May 2010 17:41:48 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[alternatives to 401ks and IRAs]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[better financial solutions]]></category>
		<category><![CDATA[dealing with changing economy]]></category>
		<category><![CDATA[Permanent life insurance]]></category>
		<category><![CDATA[ROTH IRAs]]></category>
		<category><![CDATA[where you save]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2568</guid>
		<description><![CDATA[We all know that there are certain evergreen financial moves we can make to increase our retirement savings. We can put more money away into our retirement accounts, work longer to delay depleting these accounts, and maximize employer matches by contributing more to our 401Ks. But is that really enough? Or is this old tried and true advice quickly becoming outpaced by inflation, rising tax rates and lowered investment growth? ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Matthew Sapaula Talks Personal Credit on Crain&#8217;s Chicago Business Blog</title>
		<link>http://www.moneysmartradio.com/2010/05/12/matthew-sapaula-talks-personal-credit-on-crains-chicago-business-blog/</link>
		<comments>http://www.moneysmartradio.com/2010/05/12/matthew-sapaula-talks-personal-credit-on-crains-chicago-business-blog/#comments</comments>
		<pubDate>Wed, 12 May 2010 13:46:21 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Debt & Credit Cards]]></category>
		<category><![CDATA[Media Appearances]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Crain's Chicago Business]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[SCORE TV]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2559</guid>
		<description><![CDATA[Are you wondering about your credit report and how often you should check it for accuracy? Well Matthew recently discussed this topic with SCORE Chicago and he offers some great, affordable tips for protecting your credit by monitoring it consistently.]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/05/12/matthew-sapaula-talks-personal-credit-on-crains-chicago-business-blog/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Don’t Underestimate the Impact of Saving While You’re Young</title>
		<link>http://www.moneysmartradio.com/2010/05/10/don%e2%80%99t-underestimate-the-impact-of-saving-while-you%e2%80%99re-young/</link>
		<comments>http://www.moneysmartradio.com/2010/05/10/don%e2%80%99t-underestimate-the-impact-of-saving-while-you%e2%80%99re-young/#comments</comments>
		<pubDate>Mon, 10 May 2010 12:49:37 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[magic of compounding]]></category>
		<category><![CDATA[Mike and Lisa]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<category><![CDATA[save for retirement]]></category>
		<category><![CDATA[saving early]]></category>
		<category><![CDATA[time on your side]]></category>
		<category><![CDATA[Yolander Prinzel]]></category>
		<category><![CDATA[young professionals]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2543</guid>
		<description><![CDATA[No matter how much you plan, your life will not follow a direct and predictable route. You may encounter a lot of difficulties regardless of how “in control” of your life you think you are. You could lose a job, accrue debt, make a bad business or financial decision, outlive your retirement savings—the possibilities are endless.]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/05/10/don%e2%80%99t-underestimate-the-impact-of-saving-while-you%e2%80%99re-young/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>3 Steps to Building Money Smart Kid Character</title>
		<link>http://www.moneysmartradio.com/2010/05/08/3-steps-to-building-money-smart-kid-character/</link>
		<comments>http://www.moneysmartradio.com/2010/05/08/3-steps-to-building-money-smart-kid-character/#comments</comments>
		<pubDate>Sat, 08 May 2010 06:00:47 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[kidpreneur]]></category>
		<category><![CDATA[LaRon Carter]]></category>
		<category><![CDATA[Money Smart Kid]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[workforce]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2538</guid>
		<description><![CDATA[One of the first things you can do to help your children learn about making money is to model for them how to make a difference, says Twitter friend Dave AndersonIn (@DaveAndersonIn).  You ask, “How does that help my child to learn about making money?”  It’s simple, teaching by example to make a difference, starting in areas that interest you most, sets an important standard in your child’s character for learning how to add value to products and services.  And that equals big pay offs.]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>What Goes Up Doesn&#8217;t Have to Come Down</title>
		<link>http://www.moneysmartradio.com/2010/05/07/what-goes-up-doesnt-have-to-come-down/</link>
		<comments>http://www.moneysmartradio.com/2010/05/07/what-goes-up-doesnt-have-to-come-down/#comments</comments>
		<pubDate>Fri, 07 May 2010 06:00:04 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[fixed index annuities]]></category>
		<category><![CDATA[Retirement Income]]></category>
		<category><![CDATA[retirement saving]]></category>
		<category><![CDATA[State Guaranty Association]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2520</guid>
		<description><![CDATA[I sure hope that the current success of the Dow Jones Index, S&#038;P 500 Index and other stock market indicators do not fool anybody in thinking that we are out of the woods, yet.  I am looking forward to us all getting back on the good foot, but let us not forget what we have all learned from hindsight.  Here is a great guest post from Yolander Prinzel while she uses one of our YouTube videos to help illustrate.]]></description>
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		<slash:comments>4</slash:comments>
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