<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-2498028861313086971</id><updated>2012-02-02T22:05:21.475-05:00</updated><category term='Economics and Mortgages'/><category term='Real Estate and Economics'/><category term='Shameless Marketing'/><category term='Investments and Economics'/><category term='Personal Finance'/><category term='Real Estate'/><category term='Investments'/><title type='text'>It's About Money</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>25</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-1883620470886872160</id><published>2012-02-02T21:46:00.000-05:00</published><updated>2012-02-02T21:46:18.749-05:00</updated><title type='text'>Get That Money</title><summary type='text'>Prepare your business for growth and financing</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/1883620470886872160/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2012/02/get-that-money_02.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1883620470886872160'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1883620470886872160'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2012/02/get-that-money_02.html' title='Get That Money'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://img.youtube.com/vi/S4oThhQPdBw/default.jpg' height='72' width='72'/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-3789004716968773210</id><published>2012-02-02T08:59:00.000-05:00</published><updated>2012-02-02T08:59:35.276-05:00</updated><title type='text'>PLANSPONSOR.com - Two Thirds of Workers Unaware of Paycheck Increase in 2011</title><summary type='text'>PLANSPONSOR.com - Two Thirds of Workers Unaware of Paycheck Increase in 2011

"Knowing how much you make and consciously determining how to spend it are basic building blocks of financial stability."

The first step in growing your personal wealth - in planning for that big purchase, or going into business - is developing your personal budget.  The first few lines on your budget represent what is</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/3789004716968773210/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2012/02/plansponsorcom-two-thirds-of-workers.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3789004716968773210'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3789004716968773210'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2012/02/plansponsorcom-two-thirds-of-workers.html' title='PLANSPONSOR.com - Two Thirds of Workers Unaware of Paycheck Increase in 2011'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-9031275447069868765</id><published>2012-01-25T09:31:00.003-05:00</published><updated>2012-02-02T22:05:21.481-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>Saving More a Top Priority for Americans in 2012</title><summary type='text'>PLANADVISER.com - Saving More a Top Priority for Americans in 2012

One of the early steps in setting up your business is getting your finances in order.  That means you need to get a handle on your personal cash flow long before you can start a business cash flow.  This is done through planning.  A personal budget with a 1 year projection based off of your financial activities from the past year</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/9031275447069868765/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2012/01/saving-more-top-priority-for-americans.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/9031275447069868765'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/9031275447069868765'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2012/01/saving-more-top-priority-for-americans.html' title='Saving More a Top Priority for Americans in 2012'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-1902782250928999716</id><published>2010-04-02T17:08:00.003-04:00</published><updated>2010-04-02T17:21:20.734-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investments and Economics'/><title type='text'>Registered Investment Adviser</title><summary type='text'>I am pleased to announce that my company, Constance Financial Group  LLC, has been registered in Pennsylvania as an  investment adviser.  This blog, It's about money, is also a registered investment adviser.For more information please visit my business web page:http://www.constancefg.comWhat this means for It's About Money is that we can get a little more in depth about investments, retirement </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/1902782250928999716/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2010/04/registered-investment-adviser.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1902782250928999716'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1902782250928999716'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2010/04/registered-investment-adviser.html' title='Registered Investment Adviser'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-3820290954617117026</id><published>2010-02-24T10:18:00.002-05:00</published><updated>2010-02-24T10:20:46.863-05:00</updated><title type='text'>Four Facts Every Parent Should Know Abouth Their Childs Investment Income</title><summary type='text'>I get these little tidbits from the IRS every week...The IRS wants parents to be aware of the tax rules that affect their children’s investment income. The following four facts will help parents determine whether their child’s investment income will be taxed at the parents’ rate or the child’s rate.         1. Investment Income Children with investment income may have part or all of this income </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/3820290954617117026/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2010/02/four-facts-every-parent-should-know.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3820290954617117026'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3820290954617117026'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2010/02/four-facts-every-parent-should-know.html' title='Four Facts Every Parent Should Know Abouth Their Childs Investment Income'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-2426502174533567084</id><published>2010-02-19T15:56:00.001-05:00</published><updated>2010-02-19T15:56:39.919-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>IRS Tax Tips</title><summary type='text'>10 Facts About Capital Gains and Losses                Have you heard of capital gains and losses? If not, you may want to read up on them because they might have an impact on your tax return. The IRS wants you to know these ten facts about gains and losses and how they could affect your tax situation.         Almost everything you own and use for personal purposes, pleasure or investment is a </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/2426502174533567084/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2010/02/irs-tax-tips.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/2426502174533567084'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/2426502174533567084'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2010/02/irs-tax-tips.html' title='IRS Tax Tips'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-343632672182850208</id><published>2010-01-13T11:46:00.004-05:00</published><updated>2010-01-13T12:00:13.719-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>Brand New Day</title><summary type='text'>Along with financial regulatory reforms in Washington there is a revolution brewing on Wall Street and on Main Street in how financial services firms approach their business.  This revolution is being lead by small firms and start ups.  Disenfranchised financial professionals have left the major banks, wirehouses, and insurance firms and opted to start their own firms with a brand new focus.  </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/343632672182850208/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2010/01/brand-new-day.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/343632672182850208'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/343632672182850208'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2010/01/brand-new-day.html' title='Brand New Day'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-4061305404615525432</id><published>2010-01-10T10:59:00.004-05:00</published><updated>2010-01-13T11:38:42.746-05:00</updated><title type='text'>Under New Management</title><summary type='text'>"It's About Money" is now a brand owned by Constance Financial Group LLC.  We are still a free information service for education in Economics, Real Estate, and Finance.  We also have plans to develop and publish an electronic newsletter with the It's About Money name. The News letter will be available with a subscription as an opt-out option and for clients and prospects of Constance Financial </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/4061305404615525432/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2010/01/under-new-management.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/4061305404615525432'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/4061305404615525432'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2010/01/under-new-management.html' title='Under New Management'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-79572913637154205</id><published>2009-11-10T16:43:00.002-05:00</published><updated>2009-11-10T16:56:42.957-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Real Estate'/><title type='text'>Self Asessment Before Rash Decisions</title><summary type='text'>Do You Want To Prevent Foreclosure? First, Analyze Your Situation.                         By:         James Sopher                                       &lt;!-- google_ad_client = "pub-8352463629024691"; /* 728x90, created 11/4/09 */ google_ad_slot = "0072892222"; google_ad_width = 728; google_ad_height = 90; //--&gt;   google_protectAndRun("ads_core.google_render_ad", google_handleError, </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/79572913637154205/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/11/self-asessment-before-rash-decisions.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/79572913637154205'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/79572913637154205'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/11/self-asessment-before-rash-decisions.html' title='Self Asessment Before Rash Decisions'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-4048295934099263856</id><published>2009-11-03T15:37:00.009-05:00</published><updated>2009-11-03T16:00:21.890-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>Socially Responsible?</title><summary type='text'>&lt;!--[if gte mso 9]&gt;     Normal   0         false   false   false                             MicrosoftInternetExplorer4   &lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;     &lt;![endif]--&gt;&lt;!--[if !mso]&gt;  st1\:*{behavior:url(#ieooui) }  &lt;![endif]--&gt; &lt;!--  /* Style Definitions */  p.MsoNormal, li.MsoNormal, div.MsoNormal  {mso-style-parent:"";  margin:0in;  margin-bottom:.0001pt;  mso-pagination:widow-orphan;  </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/4048295934099263856/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/11/socially-responsible.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/4048295934099263856'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/4048295934099263856'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/11/socially-responsible.html' title='Socially Responsible?'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-670762294841138788</id><published>2009-10-16T15:12:00.002-04:00</published><updated>2009-10-16T15:16:36.598-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>The IRS Wants To Help?!?</title><summary type='text'>If you are self employed, check this out!IRS Retirement Plans NavigatorI can't take on clients yet at Constance Financial Group LLC but I can find resources for the intrepid "do-it-yourself" types. Along with business continuity planning, owners need to concern themselves with their personal retirement planning early in the life of their business.   If you have employees and need a pension plan, </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/670762294841138788/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/10/irs-wants-to-help.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/670762294841138788'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/670762294841138788'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/10/irs-wants-to-help.html' title='The IRS Wants To Help?!?'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-1877832783207504470</id><published>2009-09-18T14:28:00.005-04:00</published><updated>2009-09-18T14:48:38.967-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>Stimulus Fraud Running Rampant</title><summary type='text'>Aviod fraud by checking and rechecking the validity of any claims offering free government money and special assistance specifically targeted at YOU.The Federal Trade Commission, the federal agency tasked specifically with consumer protection particularly in the financial sector, has posted a new website about the rampant stimulus fruad that is plaiguing our society.You should review the website </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/1877832783207504470/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/09/stimulus-fraud-running-rampant.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1877832783207504470'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1877832783207504470'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/09/stimulus-fraud-running-rampant.html' title='Stimulus Fraud Running Rampant'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-6802465472430287546</id><published>2009-09-10T14:48:00.004-04:00</published><updated>2009-09-10T14:52:07.849-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>In College Upgrading Your Skills?</title><summary type='text'>Taxpayers who purchase computer technology for higher education purposes may be eligible for a special tax break. The American Recovery and Reinvestment Act of 2009 added computer equipment and technology to the list of college expenses that can be paid for by a qualified tuition program, commonly referred to as a 529 plan.         A qualified, nontaxable distribution from a 529 plan during 2009 </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/6802465472430287546/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/09/in-college-upgrading-your-skills.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/6802465472430287546'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/6802465472430287546'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/09/in-college-upgrading-your-skills.html' title='In College Upgrading Your Skills?'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-845297524942631415</id><published>2009-09-03T17:06:00.002-04:00</published><updated>2009-09-03T17:11:16.457-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Personal Finance'/><title type='text'>Foreign Investment Opportunities.</title><summary type='text'>The African Growth and Opportunity Act (AGOA) was signed into law on May 18, 2000 as Title 1 of The Trade and Development Act of 2000. The Act offers tangible incentives for African countries to continue their efforts to open their economies and build free markets. President Bush signed amendments to AGOA, also known as AGOA II, into law on August 6, 2002 as Sec. 3108 of the Trade Act of 2002. </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/845297524942631415/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/09/foreign-investment-opportunities.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/845297524942631415'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/845297524942631415'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/09/foreign-investment-opportunities.html' title='Foreign Investment Opportunities.'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-6376109641733943131</id><published>2009-08-24T16:30:00.007-04:00</published><updated>2009-08-24T16:48:33.401-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Real Estate'/><title type='text'>Opportunity Knocks For the Bold at Heart.</title><summary type='text'>&lt;!--[if gte mso 9]&gt;     Normal   0         false   false   false                             MicrosoftInternetExplorer4   &lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;     &lt;![endif]--&gt; &lt;!--  /* Style Definitions */  p.MsoNormal, li.MsoNormal, div.MsoNormal 	{mso-style-parent:""; 	margin:0in; 	margin-bottom:.0001pt; 	mso-pagination:widow-orphan; 	font-size:12.0pt; 	font-family:"Times New Roman"; 	</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/6376109641733943131/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/08/opportunity-knocks-for-bold-at-heart.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/6376109641733943131'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/6376109641733943131'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/08/opportunity-knocks-for-bold-at-heart.html' title='Opportunity Knocks For the Bold at Heart.'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-5685259743351767350</id><published>2009-08-18T12:31:00.012-04:00</published><updated>2009-08-18T14:52:17.348-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investments'/><title type='text'>Social Security.  A thing of the past?</title><summary type='text'>I've explained it to others before.  I've discussed the sorry state of our social security system and how members of my generation may not have the luxury of the social security promised to us by the system we support with every pay check.Now the editor of Fortune Magazine, Allen Stone, is setting up his next article "The Next Great Bailout: Social Security".  Bill Fleckenstein of MSN Money calls</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/5685259743351767350/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/08/social-security-thing-of-past.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/5685259743351767350'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/5685259743351767350'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/08/social-security-thing-of-past.html' title='Social Security.  A thing of the past?'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-3995648091585718165</id><published>2009-08-18T12:21:00.003-04:00</published><updated>2009-08-18T12:31:00.082-04:00</updated><title type='text'>Pet Friendly Taxman?</title><summary type='text'>There may be a new tax break coming in the form of a deduction up to $3500 for your pet! this is a new bill in the house called the HAPPY (Humanity and Pets Partnered Through the Years) Act (H.R. 3501) will give owners with "qualified pet care expenses" a break.  This bill is designed to encourage more people to adopt abandoned and neglected pets.  see PetWellbeing.com</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/3995648091585718165/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/08/pet-friendly-taxman.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3995648091585718165'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3995648091585718165'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/08/pet-friendly-taxman.html' title='Pet Friendly Taxman?'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-8508749811828423349</id><published>2009-08-10T13:16:00.003-04:00</published><updated>2009-08-10T13:24:31.900-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Real Estate and Economics'/><title type='text'>Green Shoots. Green Shoots!</title><summary type='text'>I decided to post this entire article from bloomberg.com it is relevant to everything involving your money. This represents the toxic asset specter the Fed, the Whitehouse, and Congress have yet to resolve.  It is an indication that careful planning is needed on your part to maintain or obtain financial security in the short term and long term.  You should ask your financial advisor how these </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/8508749811828423349/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/08/green-shoots-green-shoots.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/8508749811828423349'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/8508749811828423349'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/08/green-shoots-green-shoots.html' title='Green Shoots. Green Shoots!'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-1639763831667583638</id><published>2009-08-03T14:52:00.003-04:00</published><updated>2009-08-03T15:02:24.846-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investments and Economics'/><title type='text'>More on pensions from the (London) Financial Times</title><summary type='text'>This is more of a global perspective for Pension Management. It's about  macroeconomic effects on pension risk management.In a defined benefit pension plan the risk is (seemingly) taken on by the employer.http://www.ft.com/cms/86a30e34-dfd5-11dc-8073-0000779fd2ac.html?_i_referralObject=7148642&amp;fromSearch=n</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/1639763831667583638/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/08/more-on-pensions-from-london-financial.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1639763831667583638'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1639763831667583638'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/08/more-on-pensions-from-london-financial.html' title='More on pensions from the (London) Financial Times'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-1023925484783501429</id><published>2009-07-26T15:34:00.009-04:00</published><updated>2009-07-31T17:29:00.156-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investments'/><title type='text'>Twenty Ways to Waste Your Money; Lose Your Loot; Bust Your Bank</title><summary type='text'>Are you ready? 1. “Buy new instead of used.”  Kiplinger says a new car loses most of its value in the first few years.  I say if you borrowed to buy a car you could end up with an upside down loan the second you leave the lot.  Upside down meaning you owe more than you own. How does a 110% car loan sound!  Might as well borrow from the mob! Kiplinger and I say recent models less than five years </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/1023925484783501429/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/07/twenty-ways-to-waste-your-money-loose_26.html#comment-form' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1023925484783501429'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/1023925484783501429'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/07/twenty-ways-to-waste-your-money-loose_26.html' title='Twenty Ways to Waste Your Money; Lose Your Loot; Bust Your Bank'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>2</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-3002117099416602462</id><published>2009-07-24T14:28:00.004-04:00</published><updated>2009-07-24T22:10:43.231-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Economics and Mortgages'/><title type='text'>Toxic Assets: The Stubborn Stain on Economic Recovery</title><summary type='text'> Posted: 23 Jul 2009 02:14 PM PDT on blog.hsh.com "The term “toxic assets” became a common phrase to the everyday consumer in the later months of 2008. At that time our economy was in a free fall and these toxic assets were in part to blame. In an attempt to right the sinking ship that was our economy, Federal officials decided to create a $700 billion program to rid our financial markets of </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/3002117099416602462/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/07/toxic-assets-stubborn-stain-on-economic.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3002117099416602462'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3002117099416602462'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/07/toxic-assets-stubborn-stain-on-economic.html' title='Toxic Assets: The Stubborn Stain on Economic Recovery'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-271052033634250238</id><published>2009-07-14T15:38:00.002-04:00</published><updated>2009-07-15T22:25:54.421-04:00</updated><title type='text'>Don’t Chase the Market: Pricing Your Home in a Down Market</title><summary type='text'>&lt;!--[if gte mso 9]&gt;     Normal   0         false   false   false                             MicrosoftInternetExplorer4   &lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;     &lt;![endif]--&gt;&lt;!--[if !mso]&gt;  st1\:*{behavior:url(#ieooui) }  &lt;![endif]--&gt; &lt;!--  /* Font Definitions */  @font-face 	{font-family:Wingdings; 	panose-1:5 0 0 0 0 0 0 0 0 0; 	mso-font-charset:2; 	mso-generic-font-family:auto; 	mso-font-pitch:</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/271052033634250238/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/07/dont-chase-market-pricing-your-home-in.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/271052033634250238'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/271052033634250238'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/07/dont-chase-market-pricing-your-home-in.html' title='Don’t Chase the Market: Pricing Your Home in a Down Market'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-3397292655551809323</id><published>2009-07-06T16:16:00.002-04:00</published><updated>2009-07-10T16:14:13.106-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investments'/><title type='text'>CYA: Review Your Pension Plans</title><summary type='text'>By: Graeme S. woodsRecently, I had a frank discussion with a Teamster member about his retirement plans.  For privacy reasons, I will call him Frank.  I wasn’t interested in his activity plans, whether he planed to take a world cruise, write a book about his life, or spend his days lazing about in a hammock at his Florida estate worry free.  I was asking him about his money.  What has he done to </summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/3397292655551809323/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/07/cya-review-your-pension-plans.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3397292655551809323'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/3397292655551809323'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/07/cya-review-your-pension-plans.html' title='CYA: Review Your Pension Plans'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-131939085163347026</id><published>2009-06-29T16:41:00.000-04:00</published><updated>2009-06-29T17:15:36.547-04:00</updated><title type='text'>Introduction</title><summary type='text'>&lt;!--[if gte mso 9]&gt;     Normal   0         false   false   false                             MicrosoftInternetExplorer4   &lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;     &lt;![endif]--&gt; &lt;!--  /* Style Definitions */  p.MsoNormal, li.MsoNormal, div.MsoNormal 	{mso-style-parent:""; 	margin:0in; 	margin-bottom:.0001pt; 	mso-pagination:widow-orphan; 	font-size:12.0pt; 	font-family:"Times New Roman"; 	</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/131939085163347026/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/06/introduction.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/131939085163347026'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/131939085163347026'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/06/introduction.html' title='Introduction'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2498028861313086971.post-2876444693388507143</id><published>2009-06-28T15:49:00.003-04:00</published><updated>2009-07-17T15:27:04.501-04:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Shameless Marketing'/><title type='text'>FreddieMac Bank Owned (Foreclosure) Properties</title><summary type='text'>I get regular updates on Foreclosure properties up for sale in the area.  These are not my listings but if any one is interested I will keep this ongoing list and we can schedule a viewing and perhaps make an offer.Note: This post is deliberately back dated              Selling Agent Select Property Report for                            Graeme Woods                     Gerhard Associates, Inc.215</summary><link rel='replies' type='application/atom+xml' href='http://gswoods.blogspot.com/feeds/2876444693388507143/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://gswoods.blogspot.com/2009/07/freddie-mac-foreclosures.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/2876444693388507143'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2498028861313086971/posts/default/2876444693388507143'/><link rel='alternate' type='text/html' href='http://gswoods.blogspot.com/2009/07/freddie-mac-foreclosures.html' title='FreddieMac Bank Owned (Foreclosure) Properties'/><author><name>Graeme S. Woods</name><uri>http://www.blogger.com/profile/00023604955925234244</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='24' height='32' src='http://2.bp.blogspot.com/_BcM0wV0Ewbk/SlT3p7S49WI/AAAAAAAAAAw/UfEHUjfgp8g/S220/P1010073.JPG'/></author><thr:total>0</thr:total></entry></feed>
