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	<title>Comments on: The Simple Dollar Weekly Roundup: Greatest Hits Vol. 2 Edition</title>
	<atom:link href="http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: mary</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-291940</link>
		<dc:creator>mary</dc:creator>
		<pubDate>Sat, 31 May 2008 21:16:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-291940</guid>
		<description>Don&#039;t store bars of soap with Cheerios. Your Yogurt Bursts will soon smell and taste like them unless they are eaten up too soon.</description>
		<content:encoded><![CDATA[<p>Don&#8217;t store bars of soap with Cheerios. Your Yogurt Bursts will soon smell and taste like them unless they are eaten up too soon.</p>
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		<title>By: Ken Montville</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-291295</link>
		<dc:creator>Ken Montville</dc:creator>
		<pubDate>Sat, 31 May 2008 02:19:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-291295</guid>
		<description>The real estate link was really a disservice even with your &quot;counterpoint&quot; about the positive experience you had, personally, with your agent.

Sure, there are terrible Realtors in the world. Rude. Inconsiderate. Unprofessional.  Most of us take our job seriously and really want to do right by our clients so they (drum roll, please) refer us to more clients.

There are awful doctors (I&#039;ve been to a few who ask what&#039;s wrong and then whip out the prescription pad without really digging into what&#039;s wrong), terrible lawyers, unscrupulous financial advisers cum stock brokers who just want to sell you the company fund/stock, auto mechanics...on and on and on.

It seems like Realtors are fair game for everyone  because we do, in fact, become entwined with people&#039;s live to a surprisingly intimate degree. Since a house is also a large investment of both money and emotion we either walk on water or should be roasted in hell.

Sure.  Check us out. Talk to us. But stop slamming  &lt;i&gt;all&lt;i&gt; Realtors and referring to posts that are far from fair, balanced or even factual.</description>
		<content:encoded><![CDATA[<p>The real estate link was really a disservice even with your &#8220;counterpoint&#8221; about the positive experience you had, personally, with your agent.</p>
<p>Sure, there are terrible Realtors in the world. Rude. Inconsiderate. Unprofessional.  Most of us take our job seriously and really want to do right by our clients so they (drum roll, please) refer us to more clients.</p>
<p>There are awful doctors (I&#8217;ve been to a few who ask what&#8217;s wrong and then whip out the prescription pad without really digging into what&#8217;s wrong), terrible lawyers, unscrupulous financial advisers cum stock brokers who just want to sell you the company fund/stock, auto mechanics&#8230;on and on and on.</p>
<p>It seems like Realtors are fair game for everyone  because we do, in fact, become entwined with people&#8217;s live to a surprisingly intimate degree. Since a house is also a large investment of both money and emotion we either walk on water or should be roasted in hell.</p>
<p>Sure.  Check us out. Talk to us. But stop slamming  <i>all</i><i> Realtors and referring to posts that are far from fair, balanced or even factual.</i></p>
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		<title>By: Four Pillars</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-290300</link>
		<dc:creator>Four Pillars</dc:creator>
		<pubDate>Thu, 29 May 2008 23:11:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-290300</guid>
		<description>Thanks for the link!

Mike</description>
		<content:encoded><![CDATA[<p>Thanks for the link!</p>
<p>Mike</p>
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		<title>By: Aryn</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289453</link>
		<dc:creator>Aryn</dc:creator>
		<pubDate>Thu, 29 May 2008 00:04:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289453</guid>
		<description>I&#039;m just going to give you a bit of moral support, Trent! I&#039;ve been in that crunch before a book deadline, that panic, of what&#039;s good enough, what still needs polishing. Well, here&#039;s the secret: it&#039;s never perfect, but eventually  you just have to let it go. So, do the best you can and then send it in. Since this is the rough draft, you&#039;ll have time to polish, but once you send in the final galleys, you just have to let it go and know that you did the best you could.</description>
		<content:encoded><![CDATA[<p>I&#8217;m just going to give you a bit of moral support, Trent! I&#8217;ve been in that crunch before a book deadline, that panic, of what&#8217;s good enough, what still needs polishing. Well, here&#8217;s the secret: it&#8217;s never perfect, but eventually  you just have to let it go. So, do the best you can and then send it in. Since this is the rough draft, you&#8217;ll have time to polish, but once you send in the final galleys, you just have to let it go and know that you did the best you could.</p>
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		<title>By: rkt88edmo</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289298</link>
		<dc:creator>rkt88edmo</dc:creator>
		<pubDate>Wed, 28 May 2008 20:15:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289298</guid>
		<description>Now realizing these are stale - I think a more interesting part is seeing the progression - In the case of the DINKS we can see the evolution and follow the story across the three posts linked above and in the comments and find out where the story went (without having to wait realtime) - that is a good use of stale content.</description>
		<content:encoded><![CDATA[<p>Now realizing these are stale &#8211; I think a more interesting part is seeing the progression &#8211; In the case of the DINKS we can see the evolution and follow the story across the three posts linked above and in the comments and find out where the story went (without having to wait realtime) &#8211; that is a good use of stale content.</p>
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		<title>By: Trent</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289291</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Wed, 28 May 2008 20:10:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289291</guid>
		<description>&quot;If you’re going to link to old posts, that’s OK, but you might want to dig around on the sites for updates&quot;

I asked the blog owners to send me their best articles and then posted them here.</description>
		<content:encoded><![CDATA[<p>&#8220;If you’re going to link to old posts, that’s OK, but you might want to dig around on the sites for updates&#8221;</p>
<p>I asked the blog owners to send me their best articles and then posted them here.</p>
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		<title>By: rkt88edmo</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289279</link>
		<dc:creator>rkt88edmo</dc:creator>
		<pubDate>Wed, 28 May 2008 19:57:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289279</guid>
		<description>RE: Prosper DINKs

Holy Cow - talk about putting all your eggs in one basket.  They will either clear it all and win or drown.

This guy wants to know the inside financials on Prosper to invest his money but is completely upside down himself - hmmmmm.  Sounds more like he needs a prosper loan if he could get one to stop the bleeding - but 1,800 a month probably exceeds the prosper limit.

I&#039;ve thrown $150 into prosper just to experiment and take part as a goodwill exercise.  I&#039;ve averaged 13% so far on one loan in the AA, A and D categories, and just made a new $50 B loan with the income and principal I&#039;ve collected.  I plan to keep rolling it all over for as long as prosper lasts, or as long as there are loan seekers that I can get comfortable with.

We&#039;ll see how it goes.</description>
		<content:encoded><![CDATA[<p>RE: Prosper DINKs</p>
<p>Holy Cow &#8211; talk about putting all your eggs in one basket.  They will either clear it all and win or drown.</p>
<p>This guy wants to know the inside financials on Prosper to invest his money but is completely upside down himself &#8211; hmmmmm.  Sounds more like he needs a prosper loan if he could get one to stop the bleeding &#8211; but 1,800 a month probably exceeds the prosper limit.</p>
<p>I&#8217;ve thrown $150 into prosper just to experiment and take part as a goodwill exercise.  I&#8217;ve averaged 13% so far on one loan in the AA, A and D categories, and just made a new $50 B loan with the income and principal I&#8217;ve collected.  I plan to keep rolling it all over for as long as prosper lasts, or as long as there are loan seekers that I can get comfortable with.</p>
<p>We&#8217;ll see how it goes.</p>
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		<title>By: ericabiz</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289209</link>
		<dc:creator>ericabiz</dc:creator>
		<pubDate>Wed, 28 May 2008 17:39:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289209</guid>
		<description>Hi Trent,

If you&#039;re going to link to old posts, that&#039;s OK, but you might want to dig around on the sites for updates. For instance, the DINKs who intended to put $70K into Prosper ended up becoming disillusioned with it:

http://www.dinksfinance.com/2007/12/prosper-cause-for-concern.html

-Erica</description>
		<content:encoded><![CDATA[<p>Hi Trent,</p>
<p>If you&#8217;re going to link to old posts, that&#8217;s OK, but you might want to dig around on the sites for updates. For instance, the DINKs who intended to put $70K into Prosper ended up becoming disillusioned with it:</p>
<p><a href="http://www.dinksfinance.com/2007/12/prosper-cause-for-concern.html" rel="nofollow">http://www.dinksfinance.com/2007/12/prosper-cause-for-concern.html</a></p>
<p>-Erica</p>
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		<title>By: Cassie</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289170</link>
		<dc:creator>Cassie</dc:creator>
		<pubDate>Wed, 28 May 2008 16:41:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289170</guid>
		<description>I just wanted to say that I thouroughly enjoy your blog. Thanks for sharing your wisdom with us all!</description>
		<content:encoded><![CDATA[<p>I just wanted to say that I thouroughly enjoy your blog. Thanks for sharing your wisdom with us all!</p>
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		<title>By: Seb</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289157</link>
		<dc:creator>Seb</dc:creator>
		<pubDate>Wed, 28 May 2008 16:17:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289157</guid>
		<description>Thanks the link, Trent!</description>
		<content:encoded><![CDATA[<p>Thanks the link, Trent!</p>
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		<title>By: Katie</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289142</link>
		<dc:creator>Katie</dc:creator>
		<pubDate>Wed, 28 May 2008 16:02:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289142</guid>
		<description>I also disagree with StackingPennies.  The great thing about the internet is nothing is ever old.  Every post is new to the person who has just discovered it.  It&#039;s age doesn&#039;t change whether or not it is an interesting or helpful article.  If it is one you&#039;ve already read then just don&#039;t follow the link.</description>
		<content:encoded><![CDATA[<p>I also disagree with StackingPennies.  The great thing about the internet is nothing is ever old.  Every post is new to the person who has just discovered it.  It&#8217;s age doesn&#8217;t change whether or not it is an interesting or helpful article.  If it is one you&#8217;ve already read then just don&#8217;t follow the link.</p>
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		<title>By: JimmyB</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289134</link>
		<dc:creator>JimmyB</dc:creator>
		<pubDate>Wed, 28 May 2008 15:54:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289134</guid>
		<description>You took the words right out of my mouth April.

It&#039;s very difficult to be a real estate agent when the media works very hard to destroy our reputations.

I&#039;ll tell you one thing though.. in the current market, real estate professionals seem to be needed more than ever.

I&#039;m working with sellers who truly believe their home is the greatest on the block and price it as such (even though homes in the neighborhood have sold for far less).

I&#039;m also working with buyers who think they can get a steal on a house and place offers 20% off asking price. I blame that on &quot;real estate advisers&quot; on big media telling buyers to low ball because sellers &quot;are desperate&quot;. Not where I live, across the river from NYC.

As it always has been, real estate is a localized business. So when the media and heavily read blogs make blanket statements about the whole nation, it just makes things worse for all of us.</description>
		<content:encoded><![CDATA[<p>You took the words right out of my mouth April.</p>
<p>It&#8217;s very difficult to be a real estate agent when the media works very hard to destroy our reputations.</p>
<p>I&#8217;ll tell you one thing though.. in the current market, real estate professionals seem to be needed more than ever.</p>
<p>I&#8217;m working with sellers who truly believe their home is the greatest on the block and price it as such (even though homes in the neighborhood have sold for far less).</p>
<p>I&#8217;m also working with buyers who think they can get a steal on a house and place offers 20% off asking price. I blame that on &#8220;real estate advisers&#8221; on big media telling buyers to low ball because sellers &#8220;are desperate&#8221;. Not where I live, across the river from NYC.</p>
<p>As it always has been, real estate is a localized business. So when the media and heavily read blogs make blanket statements about the whole nation, it just makes things worse for all of us.</p>
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		<title>By: Mrs. Micah</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289126</link>
		<dc:creator>Mrs. Micah</dc:creator>
		<pubDate>Wed, 28 May 2008 15:43:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289126</guid>
		<description>Good luck with that manuscript. I remember about 13 months ago I was pounding away on a senior honors project. So much pressure!

@Stacking Pennies -- one thing I like about my bridesmaid dresses post is that people are still periodically commenting...if not holding active conversations. Lively conversation is optimal, but I think the best posts still keep something going.</description>
		<content:encoded><![CDATA[<p>Good luck with that manuscript. I remember about 13 months ago I was pounding away on a senior honors project. So much pressure!</p>
<p>@Stacking Pennies &#8212; one thing I like about my bridesmaid dresses post is that people are still periodically commenting&#8230;if not holding active conversations. Lively conversation is optimal, but I think the best posts still keep something going.</p>
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		<title>By: StackingPennies</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289104</link>
		<dc:creator>StackingPennies</dc:creator>
		<pubDate>Wed, 28 May 2008 15:20:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289104</guid>
		<description>Personally, I don&#039;t enjoy being linked to blog posts that are several months old.  Some because I read them at the time of post, but mostly because the conversation surrounding them is pretty much dead.  And the conversation is often the best part.  

Perhaps other readers disagree.</description>
		<content:encoded><![CDATA[<p>Personally, I don&#8217;t enjoy being linked to blog posts that are several months old.  Some because I read them at the time of post, but mostly because the conversation surrounding them is pretty much dead.  And the conversation is often the best part.  </p>
<p>Perhaps other readers disagree.</p>
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		<title>By: April</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289100</link>
		<dc:creator>April</dc:creator>
		<pubDate>Wed, 28 May 2008 15:15:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289100</guid>
		<description>The real estate agent post piqued my interest because I have a real estate license. I&#039;m no longer an agent, however, because I discovered that I liked real estate law and contracts, but HATED sales. 

There are some great agents out there who really are looking out for their clients. One agent who consistently had the highest sales went above and beyond for each client. She would insist on at least seven inspections while a new home was being built, and she personally went to each one to review the work, whether her client wanted to go or not. She would point out mistakes that the contractor hadn&#039;t caught. She went to every closing, even though you don&#039;t really have to do that. She pointed out issues that attorneys would miss.

Then there are others who are going to use lines on you to get you to close the deal and couldn&#039;t care less about you after getting paid. 

I&#039;d say to pick carefully, and don&#039;t discount all agents based on the actions of some. Sometimes it really is the client who is being unreasonable...thinking they can sell a house for X amount because it&#039;s what they need to make, not realizing that buyers don&#039;t care what the seller needs to make, etc.</description>
		<content:encoded><![CDATA[<p>The real estate agent post piqued my interest because I have a real estate license. I&#8217;m no longer an agent, however, because I discovered that I liked real estate law and contracts, but HATED sales. </p>
<p>There are some great agents out there who really are looking out for their clients. One agent who consistently had the highest sales went above and beyond for each client. She would insist on at least seven inspections while a new home was being built, and she personally went to each one to review the work, whether her client wanted to go or not. She would point out mistakes that the contractor hadn&#8217;t caught. She went to every closing, even though you don&#8217;t really have to do that. She pointed out issues that attorneys would miss.</p>
<p>Then there are others who are going to use lines on you to get you to close the deal and couldn&#8217;t care less about you after getting paid. </p>
<p>I&#8217;d say to pick carefully, and don&#8217;t discount all agents based on the actions of some. Sometimes it really is the client who is being unreasonable&#8230;thinking they can sell a house for X amount because it&#8217;s what they need to make, not realizing that buyers don&#8217;t care what the seller needs to make, etc.</p>
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		<title>By: Carrie</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289098</link>
		<dc:creator>Carrie</dc:creator>
		<pubDate>Wed, 28 May 2008 15:13:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289098</guid>
		<description>I have been doing an on-going study on the success of lending over Prosper.com and all I can say is Watch out when lending below a C credit rating. Using data from http://www.ericscc.com/ I have been looking at the default timelines of these loans, and after the first 6 months, almost 40% of the Below a C credit risk had defaulted. My studies are not yet complete because the loans I am following have not yet matured, but already the data is frightening.


Looks likes the DINKS are rethinking prosper too.
http://www.dinksfinance.com/2007/04/rethinking-our-prosper-strategy.html</description>
		<content:encoded><![CDATA[<p>I have been doing an on-going study on the success of lending over Prosper.com and all I can say is Watch out when lending below a C credit rating. Using data from <a href="http://www.ericscc.com/" rel="nofollow">http://www.ericscc.com/</a> I have been looking at the default timelines of these loans, and after the first 6 months, almost 40% of the Below a C credit risk had defaulted. My studies are not yet complete because the loans I am following have not yet matured, but already the data is frightening.</p>
<p>Looks likes the DINKS are rethinking prosper too.<br />
<a href="http://www.dinksfinance.com/2007/04/rethinking-our-prosper-strategy.html" rel="nofollow">http://www.dinksfinance.com/2007/04/rethinking-our-prosper-strategy.html</a></p>
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		<title>By: Debt Free Revolution</title>
		<link>http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/comment-page-1/#comment-289074</link>
		<dc:creator>Debt Free Revolution</dc:creator>
		<pubDate>Wed, 28 May 2008 14:36:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/05/28/the-simple-dollar-weekly-roundup-greatest-hits-vol-2-edition/#comment-289074</guid>
		<description>Thanks for the spotlight, Trent :)  The Teenager has already asked me to take him to the grocery store this morning.</description>
		<content:encoded><![CDATA[<p>Thanks for the spotlight, Trent :)  The Teenager has already asked me to take him to the grocery store this morning.</p>
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