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	<title>Louder Than U Finance </title>
	<link>http://184.172.176.62/~amywich/louderthanu.com</link>
	<description>Investment Advice... Turned Up A Few Decibels</description>
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		<title>Should You Invest In Annuities?</title>
		<description><![CDATA[Annuities are an interesting investment option, especially now a days when the market is all over the place. Unlike stocks that move up and down seemingly on a whim, fixed annuities provide a guaranteed rate of return either for a set period of time or for the life of the annuity contract. This is obviously [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/should-you-invest-in-annuities/</link>
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		<title>How to Open Your First Roth IRA</title>
		<description><![CDATA[If you’ve undertaken the necessary analysis and have determined that you are qualified for a Roth IRA, and that it is the best retirement vehicle for you, then the next step is to decide where you want to open the account. Part of that decision, however, will involve what sort of investments you’re willing to [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/how-to-open-your-first-roth-ira/</link>
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		<title>Diversifying Your Retirement Portfolio For the Best Yield</title>
		<description><![CDATA["Diversify" is a term we’ve all heard about investment portfolios, but it’s important to understand exactly what it means to our portfolio, in order to do it properly. While it can mean different things for different investment portfolios, here, we’ll be specifically talking about retirement portfolios. The goal of that type of portfolio is to [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/diversifying-your-retirement-portfolio-for-the-best-yield/</link>
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		<title>How to Use Your Credit Cards Wisely</title>
		<description><![CDATA[There are three major factors that you should always consider, if you own a credit card. When to use it Don’t use a credit card for your day to day expenses. Even if you pay off the card every month, before any interest can accrue, you are still leaving yourself open to inadvertently overspending. Better [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/how-to-use-your-credit-cards-wisely/</link>
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		<title>Putting together a personal budget</title>
		<description><![CDATA[Building a budget is neither complex nor difficult. A series of simple steps will get you started. First, you must identify your disposable income. This refers to the income left over after paying your taxes. From this amount, you should deduct those fixed costs such as rent or mortgage, car payment, insurance, loan notes, etc., [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/putting-together-a-personal-budget/</link>
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		<title>Stretch Your Paycheck</title>
		<description><![CDATA[How to maximize the spending ability of our paycheck is a question that most of us have asked ourselves at some point. Unfortunately, we tend to look for big results, rather than a swarm of small results. Here are some tips that can help you make it through to the next paycheck, without finding your [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/stretch-your-paycheck/</link>
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		<title>How Does a 529 College Savings Plan Work?</title>
		<description><![CDATA[A 529 Plan, named after Section 529 of the Internal Revenue Code, is an educational savings plan operated by a state or educational facility, designed to help families set aside funds for future college costs. A 529 Plan can be used to meet educational costs of any qualified colleges nationwide. In most plans, your choice [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/how-does-a-529-college-savings-plan-work/</link>
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		<title>What You Need to Know About a First Time Mortgage</title>
		<description><![CDATA[Facing all the options for loan structure when buying your first home can be a very intimidating experience. You’ve probably heard of fixed-rate mortgages, and adjustable-rate mortgages, but you may not be familiar with the seemingly endless number of variations between the two. Without a substantial income and a considerable nest-egg to lay out as [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/what-you-need-to-know-about-a-first-time-mortgage/</link>
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		<title>How to Ask For a Raise and Get It</title>
		<description><![CDATA[Asking for a raise requires preparation, skill, timing and a fallback plan. Don’t expect to stop your boss in the hallway on a whim, and walk away with a big raise. Or ANY raise, for that matter. A pay increase is based on performance and the market for your skills. Build your case for a [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/how-to-ask-for-a-raise-and-get-it/</link>
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		<title>Ten Painless Ways to Save Money Every Day</title>
		<description><![CDATA[Saving money isn’t really as hard as we often make it seem. The key is to make it painless! Here are ten painless methods, some of which are bound to work for you: 1. Make Your Lunch Instead of Buying It – The cost is a fraction of eating out, and probably healthier, too. Make [...]]]></description>
		<link>http://184.172.176.62/~amywich/louderthanu.com/ten-painless-ways-to-save-money-every-day/</link>
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