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	<title>Matthew Sapaula&#039;s Money Smart Radio - Financial talk show, podcasts and personal finance blog for middle-class homeowners, entrepreneurs and faith-based leaders - Chicago, IL</title>
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	<link>http://www.moneysmartradio.com</link>
	<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>
	<itunes:explicit>clean</itunes:explicit>
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		<itunes:name>Money Smart Guy - Matthew Sapaula</itunes:name>
		<itunes:email>mgs@moneysmartradio.com</itunes:email>
	</itunes:owner>
	<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, entrepreneurs and faith-based leaders - Chicago, IL</title>
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	<itunes:category text="Business">
		<itunes:category text="Investing" />
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		<item>
		<title>Financial Planning Busts and the Lack of Financial Literacy in America</title>
		<link>http://www.moneysmartradio.com/2010/03/07/financial-planning-busts-and-the-lack-of-financial-literacy-in-america/</link>
		<comments>http://www.moneysmartradio.com/2010/03/07/financial-planning-busts-and-the-lack-of-financial-literacy-in-america/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 21:49:26 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[iTunes Podcasts]]></category>
		<category><![CDATA[building wealth]]></category>
		<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[financial myth buster]]></category>
		<category><![CDATA[financial talk radio show]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[Joel Wymer]]></category>
		<category><![CDATA[Middle-class Financial Strategies]]></category>
		<category><![CDATA[MoneyXLive]]></category>
		<category><![CDATA[Sending Extra Mortgage Payments]]></category>
		<category><![CDATA[Vince Shorb]]></category>
		<category><![CDATA[wealth creation]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2130</guid>
		<description><![CDATA[Podcast of financial talk show Money Smart Radio discussing modern financial strategies, using your mortgage to build wealth and increasing your financial literacy in uncertain times.]]></description>
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		<slash:comments>1</slash:comments>
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			<itunes:keywords>building wealth,Financial Literacy,financial myth buster,financial talk radio show,home equity,Joel Wymer,Middle-class Financial Strategies,MoneyXLive,Sending Extra Mortgage Payments,Vince Shorb,wealth creation</itunes:keywords>
		<itunes:subtitle>Podcast of financial talk show Money Smart Radio discussing modern financial strategies, using your mortgage to build wealth and increasing your financial literacy in uncertain times.</itunes:subtitle>
		<itunes:summary>In this episode, I&#039;ll discuss:

	* Several financial strategies we are taught that have resulted in completely  opposite, ugly truths
	* Why following the crowd leads you to unfavorable financial results
	* How to build home equity in your home again with a modern financial strategy  in managing your mortgage
	* How to view your mortgage as a wealth-building tool and not just something  you hurry to payoff
	* What banks don&#039;t tell you when you are sending in extra mortgage payments
	* Mortgage and financial planning discussion with Joel  Wymer, voted #1 financial advisor in the Beacon Journal of Akron, Ohio (../2010/03/05/3-things-popcorn-can-teach-us-about-managing-our-mortgage/).



	* How to pick yourself back up again after losing everything
	* Building financial awareness for young adults and building to a lifestyle  they want
	* Why do we see a lot of &quot;rich&quot; people but not veryÂ  many &quot;wealthy&quot; people
	* How to increase our financial literacy and awareness to climb out of the  recession with Vince Shorb, creator of the  MoneyXLive events (http://moneyxlive.com/)

Discuss personal finance, planning for your financial future with other  listeners by dropping your comments in the section below.

Top Financial Interviews CD Vol I: Please consider purchasing  this CD (../products-page/audio-cd/top-interviews-vol-1/) which is a compilation of the top financial interviews after meeting  with over 120 financial planning and business experts. Proceeds of this CD not  only help build your financial library but enables us to do charitable outreach  in our community.Â  Here&#039;s an example - CLICK  HERE (../2010/01/01/building-true-wealth-throughout-the-new-year/)

MONEY SMART COACHING: We are able to direct you to a  wealth-building coach to take advantage of a free, complimentary 30 minute  coaching session through our three-step, MoneyN&#039;Motion processÂ  . Whether you  want to get out of debt, make sure you are on track with your financial  decisions, explore ways to take advantage of real estate investing or just need  a little help along the way, we&#039;d love to work with you. We are able to coaching  you along screen sharing technology during our call which makes it just like we  were sitting there next to you with our computer. If you are interested, email  us at info@moneysmartradio.com (mailto:info@moneysmartradio.com) or  call us at 708.686.2000.</itunes:summary>
		<itunes:author>Money Smart Guy - Matthew Sapaula</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>46:00</itunes:duration>
	</item>
		<item>
		<title>What Are the Dangers When I Inherited an IRA?</title>
		<link>http://www.moneysmartradio.com/2010/03/05/what-are-the-dangers-when-i-inherited-an-ira/</link>
		<comments>http://www.moneysmartradio.com/2010/03/05/what-are-the-dangers-when-i-inherited-an-ira/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 16:03:54 +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[Asset Protection]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Beneficiaries]]></category>
		<category><![CDATA[Inherited IRA]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[IRA planning]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2112</guid>
		<description><![CDATA[t seems a trustee had come across an inherited IRA and felt it didn’t meet the technical definition of an IRA for bankruptcy exemption purposes. Since the bankruptcy trustee didn’t believe the inherited IRA met the definition of an IRA for exempt asset purposes, the trustee is now filing a motion to take the inherited IRA away from the debtor.]]></description>
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		<item>
		<title>3 Things Popcorn Can Teach Us About Managing Our Mortgage</title>
		<link>http://www.moneysmartradio.com/2010/03/05/3-things-popcorn-can-teach-us-about-managing-our-mortgage/</link>
		<comments>http://www.moneysmartradio.com/2010/03/05/3-things-popcorn-can-teach-us-about-managing-our-mortgage/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 15:45:28 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Extra mortgage payments]]></category>
		<category><![CDATA[Home equity protection]]></category>
		<category><![CDATA[Mortgage protection]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2111</guid>
		<description><![CDATA[The Academy Awards are almost here.  There aren’t many things that symbolize America more than popcorn and a movie. Just like becoming an over-night star and winning an Oscar, home ownership is the essence of the American Dream.  Yet, once we actually “make it” it isn’t always what it’s cracked up to be.   Like the movie star who seemingly has everything but still isn’t happy, many homeowners view their mortgage as a burden they can’t wait to get rid of. But is there something we’re overlooking when it pertains to our mortgage?]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Should You Borrow Early From Your 401(k) Plan?</title>
		<link>http://www.moneysmartradio.com/2010/03/03/should-you-borrow-early-from-your-401k-plan/</link>
		<comments>http://www.moneysmartradio.com/2010/03/03/should-you-borrow-early-from-your-401k-plan/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 03:46:40 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Media Appearances]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[10% Penalty]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[Borrowing from Your 401(k)]]></category>
		<category><![CDATA[Early Distribution]]></category>
		<category><![CDATA[Federal Income Taxes on Borrowing from Retirement Plan]]></category>
		<category><![CDATA[Financial Buckets]]></category>
		<category><![CDATA[financial mistakes]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2091</guid>
		<description><![CDATA[Tough economic times has caused many to look at any financial resource they have.  Burdened with debt, job loss and a career transition makes it a little more difficult to get by each month.  For many, an employer-sponsored 401(k) retirement plan has been a source of forced-savings and therefore, tempting to touch.  But should you?  Is it a good idea?]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>17 Things We Wished Someone Would Have Told Us After Getting Our First Job</title>
		<link>http://www.moneysmartradio.com/2010/03/01/17-things-we-wished-someone-would-have-told-us-after-getting-our-first-job/</link>
		<comments>http://www.moneysmartradio.com/2010/03/01/17-things-we-wished-someone-would-have-told-us-after-getting-our-first-job/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 16:24:13 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Avoiding Financial Mistakes]]></category>
		<category><![CDATA[Chicago-based financial talk radio show fans]]></category>
		<category><![CDATA[Cost of Bad Financial Decisions]]></category>
		<category><![CDATA[Create Multiple Streams of Income]]></category>
		<category><![CDATA[How To Save More than Spend]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2080</guid>
		<description><![CDATA[Have you ever said to yourself, "I wish someone would have told me about that before I did it!" And, "I can't be the ONLY one to make THAT mistake with my money!"  Well, the reason why they call me the Money Smart Guy, is I've had my share of money DUMB mistakes personally! On-air and through my blog, I air out my own personal financial challenges with money so you can be much more smarter than me!  However, last week, I asked many of our listeners who were fans of our financial talk radio show via Facebook, to share their pearls of financial wisdom and give us a nugget to take home.  In their best efforts to pay it forward, we've collected some of the responses from our fans to this question, "What is the ONE THING you wished someone would have told you after getting your first job?"]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/03/01/17-things-we-wished-someone-would-have-told-us-after-getting-our-first-job/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>GUEST POST: Why You Can’t Afford Not to Invest in your Health</title>
		<link>http://www.moneysmartradio.com/2010/02/24/guest-post-why-you-can%e2%80%99t-afford-not-to-invest-in-your-health/</link>
		<comments>http://www.moneysmartradio.com/2010/02/24/guest-post-why-you-can%e2%80%99t-afford-not-to-invest-in-your-health/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 21:41:08 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Investing in Your Health]]></category>
		<category><![CDATA[Overcoming Barriers]]></category>
		<category><![CDATA[Personal Fitness]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2070</guid>
		<description><![CDATA[Many of us try and try again to improve our health. We try to eat healthier, exercise regularly, or commit to healthy living and only a small percentage succeed.]]></description>
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		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Matthew Sapaula on Garrard McClendon LIVE: What the New Credit Card Laws Mean to You</title>
		<link>http://www.moneysmartradio.com/2010/02/22/matthew-sapaula-on-garrard-mcclendon-live-what-the-new-credit-card-laws-mean-to-you/</link>
		<comments>http://www.moneysmartradio.com/2010/02/22/matthew-sapaula-on-garrard-mcclendon-live-what-the-new-credit-card-laws-mean-to-you/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 02:17:47 +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[Debt Payoff Snowball Spreadsheet]]></category>
		<category><![CDATA[Garrard McClendon LIVE]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[New Credit Card Laws]]></category>
		<category><![CDATA[President Obama]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2051</guid>
		<description><![CDATA[Tonight on the Garrard McClendon LIVE show, I will share what the new credit card laws mean to you on Chicago's CLTV broadcasting 6pm &#038; 9:30pm CST.  President Obama signed the Credit Card Act of 2009 into law May 22, 2009 where a majority of these laws take effect beginning February 22, 2010.]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/02/22/matthew-sapaula-on-garrard-mcclendon-live-what-the-new-credit-card-laws-mean-to-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Real Estate Investors and Wealth Building Networking Event hosted by &#8220;Uncle&#8221; Frank Montro</title>
		<link>http://www.moneysmartradio.com/2010/02/18/real-estate-investors-and-wealth-building-networking-event-hosted-by-uncle-frank-montro/</link>
		<comments>http://www.moneysmartradio.com/2010/02/18/real-estate-investors-and-wealth-building-networking-event-hosted-by-uncle-frank-montro/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 19:59:06 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Entreprenuership]]></category>
		<category><![CDATA[News and Events]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Chicago financial and real estate talk radio show]]></category>
		<category><![CDATA[Frank Montro]]></category>
		<category><![CDATA[Live Events and Workshops]]></category>
		<category><![CDATA[Make Money in Real Estate]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[Real Estate Investors Event]]></category>
		<category><![CDATA[Real Estate on Radio]]></category>
		<category><![CDATA[Ron Vergara]]></category>
		<category><![CDATA[Wealth Building]]></category>
		<category><![CDATA[WLS 890 AM]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2040</guid>
		<description><![CDATA[Would you like to know how to get involved in real estate investing?  Would you like to connect the dots with your financial plan and how to take advantage of the opportunities existing right now in the current real estate market?  Do you want to really know what it means to buy low and sell high?  Would you like to learn from a successful Chicagoland real estate investor who sold over 280 properties last year, in the middle of a recession?  Don't be fooled in thinking that no one is making money right now...Frank wants to share his ideas, his contacts, his systems for FREE.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>College Financial Planning: How to Find Money When Your Savings are Down</title>
		<link>http://www.moneysmartradio.com/2010/02/16/college-financial-planning-how-to-find-money-when-your-savings-are-down/</link>
		<comments>http://www.moneysmartradio.com/2010/02/16/college-financial-planning-how-to-find-money-when-your-savings-are-down/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 09:00:31 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[Media Appearances]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[529 Illinois Bright Start College Savings Plan]]></category>
		<category><![CDATA[college financial advisor]]></category>
		<category><![CDATA[College Scholarships]]></category>
		<category><![CDATA[FASFA]]></category>
		<category><![CDATA[Federal College Financial Aid]]></category>
		<category><![CDATA[GI Bill]]></category>
		<category><![CDATA[MAP Grant]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[money smart radio]]></category>
		<category><![CDATA[St. Xavier College]]></category>
		<category><![CDATA[State College Financial Aid]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2015</guid>
		<description><![CDATA[Most high school students and their families get through their financial situations by "wingin' it".  That was me.  Never did college financial planning, scholarship planning or simply planning for college get any in-depth discussion.  I thought that since I was an All-Conference high school athlete that colleges would be sending me applications. WRONG!  In fact, I didn't start thinking about planning for college until my senior year in high school...way behind the curve.  Ultimately, my college plan ended up enlisting in the United States Marine Corps, out of lack of knowing all my options, rather than making the right choice.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Illinois Earthquake: Wake Up Call to Four Key Areas of Your Financial Plan</title>
		<link>http://www.moneysmartradio.com/2010/02/10/illinois-earthquake-wake-up-call-to-four-key-areas-of-your-financial-plan/</link>
		<comments>http://www.moneysmartradio.com/2010/02/10/illinois-earthquake-wake-up-call-to-four-key-areas-of-your-financial-plan/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 02:32:26 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Mortgage Planning]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[disaster plan]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[Illinois Earthquake]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[money smart coach]]></category>
		<category><![CDATA[Refinance]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=1998</guid>
		<description><![CDATA[At approximately 4am, a third earthquake has hit Illinois since 1999.  I recall the one in 2008, 3 weeks before I was to conduct a third earthquake hit in Illinois financial planning workshop during Money Smart Week sponsored by the Federal Reserve Bank of Chicago.  It changed the information I was going to deliver at this workshop.  In fact, I broke down in the middle of the presentation to re-enact how one of my close friends thought Jesus was coming.  And it is a good time to bring it up again.]]></description>
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		<slash:comments>0</slash:comments>
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