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		<title>Practical Money Matters Radio Series</title>
		<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
		<link>http://www.practicalmoneyskills.com/</link>
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		<description><![CDATA[Practical Money Matters is a free, new syndicated radio segment that delivers tips and information to consumers of all ages about better managing their finances. The segments are hosted by Jason Alderman, Senior Director of Financial Education at Visa Inc.]]></description>
		<itunes:subtitle />
		<itunes:summary>Practical Money Matters is a free, new syndicated radio segment that delivers tips and information to consumers of all ages about better managing their finances. The segments are hosted by Jason Alderman, Senior Director of Financial Education at Visa Inc.</itunes:summary>
		<language>en</language>
		<copyright>Visa Inc.</copyright>
		<itunes:owner>
			<itunes:name>Jason Alderman, Visa Inc.</itunes:name>
			<itunes:email>info@practicalmoneyskills.com</itunes:email>
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		<category>Business</category>
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			<itunes:category text="Business" />
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		<category>Kids &amp; Family</category>
		<itunes:category text="Kids &amp; Family">
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			<title>Make Your Vacation Security Checklist</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Consider these expert tips on protecting your identity and finances before your next trip.]]></description>
			<itunes:subtitle>Consider these expert tips on protecting your identity and finances before your next trip.</itunes:subtitle>
			<itunes:summary>Consider these expert tips on protecting your identity and finances before your next trip..</itunes:summary>
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			<pubDate>Mon, 20 May 2013 17:01:40 -0700</pubDate>
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			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>vacation security, vacation tips, safe vacation, vacation insurance</itunes:keywords>
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			<title>A Father&#39;s Day Message</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[This Father&#39;s Day, here are a few ways you can instill in your kids sound financial habits.]]></description>
			<itunes:subtitle>This Father&#39;s Day, here are a few ways you can instill in your kids sound financial habits.</itunes:subtitle>
			<itunes:summary>This Father&#39;s Day, here are a few ways you can instill in your kids sound financial habits.</itunes:summary>
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			<pubDate>Mon, 13 May 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
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			<itunes:keywords>teaching kids about money, family finances, father&#39;s day, father&#39;s day ideas</itunes:keywords>
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			<title>Avoid Rude Rental Car Surprises</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Ensure that your next rental car experience goes off without a hitch.]]></description>
			<itunes:subtitle>Ensure that your next rental car experience goes off without a hitch.</itunes:subtitle>
			<itunes:summary>Ensure that your next rental car experience goes off without a hitch.</itunes:summary>
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			<pubDate>Mon, 6 May 2013 17:01:40 -0700</pubDate>
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			<itunes:keywords>rental car, rental car tips, save on rental cars</itunes:keywords>
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			<title>Why You Need a Social Media Will</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[These tips outline important ways to ensure your social media accounts are handled well in the event of your death..]]></description>
			<itunes:subtitle>These tips outline important ways to ensure your social media accounts are handled well in the event of your death.</itunes:subtitle>
			<itunes:summary>These tips outline important ways to ensure your social media accounts are handled well in the event of your death.</itunes:summary>
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			<pubDate>Mon, 29 April 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>social media will, will, estate plan, social media and will, social media and estate plan</itunes:keywords>
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			<title>Financial Hurdles for Gays and Lesbians</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover how members of the lesbian, gay, bisexual and transgender community can address the significant financial hurdles they face compared to their heterosexual counterparts.]]></description>
			<itunes:subtitle>Discover how members of the lesbian, gay, bisexual and transgender community can address the significant financial hurdles they face compared to their heterosexual counterparts.</itunes:subtitle>
			<itunes:summary>Discover how members of the lesbian, gay, bisexual and transgender community can address the significant financial hurdles they face compared to their heterosexual counterparts.</itunes:summary>
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			<pubDate>Mon, 22 April 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
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			<itunes:keywords>LGBT finances, LGBT money, gay finances, gay couple finances, gay marriage</itunes:keywords>
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			<title>Stop Identity Theft Scams</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn the latest tips on protecting yourself against phishing, smishing, vishing and other identity theft scams.]]></description>
			<itunes:subtitle>Learn the latest tips on protecting yourself against phishing, smishing, vishing and other identity theft scams.</itunes:subtitle>
			<itunes:summary>Learn the latest tips on protecting yourself against phishing, smishing, vishing and other identity theft scams.</itunes:summary>
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			<pubDate>Mon, 15 April 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>identity theft, online scams, protect against identity theft, identity theft tips, phishing, smishing, vishing</itunes:keywords>
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			<title>Help Mom Plan for Financial Security</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[This Mother&#39;s Day, help your mom take stock of her personal finances with these expert tips.]]></description>
			<itunes:subtitle>This Mother&#39;s Day, help your mom take stock of her personal finances with these expert tips.</itunes:subtitle>
			<itunes:summary>This Mother&#39;s Day, help your mom take stock of her personal finances with these expert tips.</itunes:summary>
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			<pubDate>Mon, 8 April 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
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			<itunes:keywords>mom finances, parents finances, elderly finances, mothers day, mothers day gift ideas</itunes:keywords>
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			<title>Should You Buy Wedding Insurance?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you are planning a wedding, wedding insurance could be an important factor to consider.]]></description>
			<itunes:subtitle>If you are planning a wedding, wedding insurance could be an important factor to consider.</itunes:subtitle>
			<itunes:summary>If you are planning a wedding, wedding insurance could be an important factor to consider.</itunes:summary>
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			<pubDate>Mon, 1 April 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>wedding insurance, wedding planning, wedding finances, saving for a wedding, types of insurance</itunes:keywords>
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			<title>Knowing how much tax to withhold from your paycheck</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn which factors indicate that you should adjust your tax withholding.]]></description>
			<itunes:subtitle>Learn which factors indicate that you should adjust your tax withholding.</itunes:subtitle>
			<itunes:summary>Learn which factors indicate that you should adjust your tax withholding.</itunes:summary>
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			<pubDate>Mon, 25 March 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tax withholding, adjust taxes, w2, adjusting w2, adjust withholding, tax tips</itunes:keywords>
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			<title>Which Tax Records Should You Save?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Tax season is a good time to consider which financial records you should save indefinitely, and which can be safely shredded.]]></description>
			<itunes:subtitle>Tax season is a good time to consider which financial records you should save indefinitely, and which can be safely shredded.</itunes:subtitle>
			<itunes:summary>Tax season is a good time to consider which financial records you should save indefinitely, and which can be safely shredded.</itunes:summary>
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			<pubDate>Mon, 18 March 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>financial paperwork, how long to keep bills, filing, paperwork tips, tax paperwork</itunes:keywords>
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			<title>Put Your Tax Refund to Work</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you expecting an income tax refund this year? Learn how to put that money to work for you, instead of blowing it on something you don&#39;t need..]]></description>
			<itunes:subtitle>Are you expecting an income tax refund this year? Learn how to put that money to work for you, instead of blowing it on something you don&#39;t need.</itunes:subtitle>
			<itunes:summary>Are you expecting an income tax refund this year? Learn how to put that money to work for you, instead of blowing it on something you don&#39;t need.</itunes:summary>
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			<pubDate>Mon, 11 March 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tax refund, taxes, what to do with tax refund, using tax refund</itunes:keywords>
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			<title>Financial Impacts of Adoption</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you have recently adopted a child or are considering adopting, find out about important tax incentives for adoptive parents that could benefit you.]]></description>
			<itunes:subtitle>If you have recently adopted a child or are considering adopting, find out about important tax incentives for adoptive parents that could benefit you.</itunes:subtitle>
			<itunes:summary>If you have recently adopted a child or are considering adopting, find out about important tax incentives for adoptive parents that could benefit you.</itunes:summary>
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			<pubDate>Mon, 4 March 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
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			<itunes:keywords>adoption taxes, taxes and adoption, taxes for adopting, adoption finances</itunes:keywords>
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			<title>A Financial Checklist for the Recently Widowed</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn how to navigate the important, life-changing decisions you must make following the death of a spouse.]]></description>
			<itunes:subtitle>Learn how to navigate the important, life-changing decisions you must make following the death of a spouse.</itunes:subtitle>
			<itunes:summary>Learn how to navigate the important, life-changing decisions you must make following the death of a spouse.</itunes:summary>
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			<pubDate>Mon, 25 February 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>spouse death, after a spouse dies, finances widow, finances widower</itunes:keywords>
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			<title>Can't Pay Your Taxes?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you can't pay your income taxes by April 15, don't panic &ndash; instead of ignoring the deadline, try these tips.]]></description>
			<itunes:subtitle>If you can't pay your income taxes by April 15, don't panic - instead of ignoring the deadline, try these tips.</itunes:subtitle>
			<itunes:summary>If you can't pay your income taxes by April 15, don't panic - instead of ignoring the deadline, try these tips.</itunes:summary>
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			<pubDate>Mon, 18 February 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>taxes, tax deadline, missed tax deadline, late taxes, can't pay taxes</itunes:keywords>
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			<title>Empty Homes Need Insurance, Too</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn how to ensure your unoccupied home is covered against mishaps.]]></description>
			<itunes:subtitle>Learn how to ensure your unoccupied home is covered against mishaps.</itunes:subtitle>
			<itunes:summary>Learn how to ensure your unoccupied home is covered against mishaps.</itunes:summary>
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			<pubDate>Mon, 11 February 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>home insurance, vacant home, vacant home insurance, homeowners insurance</itunes:keywords>
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			<title>Don't Sabotage your Job Search</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out about online habits that could be standing in the way of you finding a new job.]]></description>
			<itunes:subtitle>Find out about online habits that could be standing in the way of you finding a new job.</itunes:subtitle>
			<itunes:summary>Find out about online habits that could be standing in the way of you finding a new job.</itunes:summary>
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			<pubDate>Mon, 4 February 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>job search, internet security, internet job search, posting personal info online, online safety</itunes:keywords>
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			<title>Do your Parents Need a Financial Intervention?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Could your parents be in over their heads financially? Learn how to determine when there is trouble, and how you can step in to help.]]></description>
			<itunes:subtitle>Could your parents be in over their heads financially? Learn how to determine when there is trouble, and how you can step in to help.</itunes:subtitle>
			<itunes:summary>Could your parents be in over their heads financially? Learn how to determine when there is trouble, and how you can step in to help.</itunes:summary>
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			<pubDate>Mon, 28 January 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>elderly parents finances, helping parents financially, seniors finances</itunes:keywords>
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			<title>Discussing Finances With Your Spouse</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Here are a few ways to ensure a successful financial partnership with your husband or wife.]]></description>
			<itunes:subtitle>Here are a few ways to ensure a successful financial partnership with your husband or wife.</itunes:subtitle>
			<itunes:summary>Here are a few ways to ensure a successful financial partnership with your husband or wife.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/104%20Discussing%20Finances%20With%20Your%20Spouse.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/104%20Discussing%20Finances%20With%20Your%20Spouse.mp3</guid>
			<pubDate>Mon, 21 January 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>marriage and finances, marriage finances, talking finances, finances and marriage</itunes:keywords>
		</item>
		<item>
			<title>Tax Strategies in a Tough Economy</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[What items aren&#39;t taxable and where could you be receiving additional deductions? Find out in this radio episode.]]></description>
			<itunes:subtitle>What items aren&#39;t taxable and where could you be receiving additional deductions? Find out in this radio episode.</itunes:subtitle>
			<itunes:summary>What items aren&#39;t taxable and where could you be receiving additional deductions? Find out in this radio episode.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/103%20Tax%20Strategies%20in%20A%20Tough%20Economy.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/103%20Tax%20Strategies%20in%20A%20Tough%20Economy.mp3</guid>
			<pubDate>Mon, 14 January 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>taxes, save on taxes, unemployment, bankruptcy, earned income tax credit, welfare, food stamps</itunes:keywords>
		</item>
		<item>
			<title>The Cost of Adoption</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Considering adopting? Find out about tax breaks that could help reduce the expense of the process.]]></description>
			<itunes:subtitle>Considering adopting? Find out about tax breaks that could help reduce the expense of the process.</itunes:subtitle>
			<itunes:summary>Considering adopting? Find out about tax breaks that could help reduce the expense of the process.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/102%20The%20Cost%20of%20Adoption.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/102%20The%20Cost%20of%20Adoption.mp3</guid>
			<pubDate>Mon, 7 January 2013 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>adopting, adoption, cost of adopting, cost of adoption, adoption and taxes</itunes:keywords>
		</item>
		<item>
			<title>Can You Afford College?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Determine how much your family can afford for college, and ways to access additional funds for school.]]></description>
			<itunes:subtitle>Determine how much your family can afford for college, and ways to access additional funds for school.</itunes:subtitle>
			<itunes:summary>Determine how much your family can afford for college, and ways to access additional funds for school.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/101%20Can%20You%20Afford%20College_.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/101%20Can%20You%20Afford%20College_.mp3</guid>
			<pubDate>Mon, 31 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>college, college fund, college savings, afford college, college loans, student loans</itunes:keywords>
		</item>
		<item>
			<title>Financial Resolutions You Can Keep</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Start the year off on more solid financial footing with these small tips for curbing your spending and boosting your savings.]]></description>
			<itunes:subtitle>Start the year off on more solid financial footing with these small tips for curbing your spending and boosting your savings.</itunes:subtitle>
			<itunes:summary>Start the year off on more solid financial footing with these small tips for curbing your spending and boosting your savings.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/100%20Financial%20Resolutions%20You%20Can%20Keep.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/100%20Financial%20Resolutions%20You%20Can%20Keep.mp3</guid>
			<pubDate>Mon, 24 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>saving, budgeting, financial resolutions, how to save, how to budget, ways to save</itunes:keywords>
		</item>
		<item>
			<title>Avoiding Holiday Budget Busters</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[This holiday shopping season, consider these tips for creating a holiday spending plan that won&#39;t break the bank.]]></description>
			<itunes:subtitle>This holiday shopping season, consider these tips for creating a holiday spending plan that won&#39;t break the bank.</itunes:subtitle>
			<itunes:summary>This holiday shopping season, consider these tips for creating a holiday spending plan that won&#39;t break the bank.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/99%20Avoiding%20Holiday%20Budget%20Busters.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/99%20Avoiding%20Holiday%20Budget%20Busters.mp3</guid>
			<pubDate>Mon, 17 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>holiday shopping, save on holiday gifts, holiday budget, holiday gifts, save on gifts</itunes:keywords>
		</item>
		<item>
			<title>Lower Your Winter Utility Bill</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out about a few small actions that can help you save energy and money this winter.]]></description>
			<itunes:subtitle>Find out about a few small actions that can help you save energy and money this winter.</itunes:subtitle>
			<itunes:summary>Find out about a few small actions that can help you save energy and money this winter.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/98%20Lower%20Your%20Winter%20Utility%20Bill.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/98%20Lower%20Your%20Winter%20Utility%20Bill.mp3</guid>
			<pubDate>Mon, 10 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>lower utilities, lower utility bill, save on utilities, utilities, save water, save energy</itunes:keywords>
		</item>
		<item>
			<title>Lower Your Winter Utility Bill</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out about a few small actions that can help you save energy and money this winter.]]></description>
			<itunes:subtitle>Find out about a few small actions that can help you save energy and money this winter.</itunes:subtitle>
			<itunes:summary>Find out about a few small actions that can help you save energy and money this winter.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/98%20Lower%20Your%20Winter%20Utility%20Bill.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/98%20Lower%20Your%20Winter%20Utility%20Bill.mp3</guid>
			<pubDate>Mon, 10 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>lower utilities, lower utility bill, save on utilities, utilities, save water, save energy</itunes:keywords>
		</item>
		<item>
			<title>When Do Extended Warranties Make Sense?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are extended warranties worth the cost? Find out in this radio episode.]]></description>
			<itunes:subtitle>Are extended warranties worth the cost? Find out in this radio episode.</itunes:subtitle>
			<itunes:summary>Are extended warranties worth the cost? Find out in this radio episode.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/97%20When%20Do%20Extended%20Warranties%20Make%20Sense_.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/97%20When%20Do%20Extended%20Warranties%20Make%20Sense_.mp3</guid>
			<pubDate>Mon, 3 December 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>warranty, warranties, should I get warranty, extended warranties, extended warranty</itunes:keywords>
		</item>
		<item>
			<title>Deduct Your Charitable Contributions</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover how and why you can use charitable contributions to lower your tax bill.]]></description>
			<itunes:subtitle>Discover how and why you can use charitable contributions to lower your tax bill.</itunes:subtitle>
			<itunes:summary>Discover how and why you can use charitable contributions to lower your tax bill.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/96%20Deduct%20Your%20Charitable%20Contributions.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/96%20Deduct%20Your%20Charitable%20Contributions.mp3</guid>
			<pubDate>Mon, 26 November 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>charity, charity and taxes, charitable contributions, charitable giving and taxes</itunes:keywords>
		</item>
		<item>
			<title>Tech Buying Tips</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Hitting the electronics store for holiday gifts this season? Here are a few things to know.]]></description>
			<itunes:subtitle>Hitting the electronics store for holiday gifts this season? Here are a few things to know.</itunes:subtitle>
			<itunes:summary>Hitting the electronics store for holiday gifts this season? Here are a few things to know.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/95%20Tech%20Buying%20Tips.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/95%20Tech%20Buying%20Tips.mp3</guid>
			<pubDate>Mon, 19 November 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tech, technology, technology shopping, tech shopping, buying technology, consumer reports, electronics deals</itunes:keywords>
		</item>
		<item>
			<title>Be Careful What You Post Online</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out which information to refrain from posting online, and about online scams to watch out for.]]></description>
			<itunes:subtitle>Find out which information to refrain from posting online, and about online scams to watch out for.</itunes:subtitle>
			<itunes:summary>Find out which information to refrain from posting online, and about online scams to watch out for.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/94%20Be%20Careful%20What%20You%20Post%20Online.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/94%20Be%20Careful%20What%20You%20Post%20Online.mp3</guid>
			<pubDate>Mon, 12 November 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>safe online, identity theft, facebook, twitter, linkedin, internet safety</itunes:keywords>
		</item>
		<item>
			<title>Is Your 401(k) on Autopilot?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn why it&#39;s so important to revisit your 401(k) plan periodically—and what to consider when you do.]]></description>
			<itunes:subtitle>Learn why it&#39;s so important to revisit your 401(k) plan periodically—and what to consider when you do.</itunes:subtitle>
			<itunes:summary>Learn why it&#39;s so important to revisit your 401(k) plan periodically—and what to consider when you do.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/93%20Is%20Your%20401(k)%20on%20Autopilot.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/93%20Is%20Your%20401(k)%20on%20Autopilot.mp3</guid>
			<pubDate>Mon, 5 November 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>retirement, 401k, 401(k), ira, Financial Engines, retirement help, taxes and retirement, retirement plan</itunes:keywords>
		</item>

		<item>
			<title>Should You Put Retirement on Hold?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[What is your retirement plan? Here are a few ways to determine how much you&#39;ll need and when you are on track to retire.]]></description>
			<itunes:subtitle>What is your retirement plan? Here are a few ways to determine how much you&#39;ll need and when you are on track to retire.</itunes:subtitle>
			<itunes:summary>What is your retirement plan? Here are a few ways to determine how much you&#39;ll need and when you are on track to retire.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/92%20Should%20You%20Put%20Retirement%20on%20Hold_.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/92%20Should%20You%20Put%20Retirement%20on%20Hold.mp3</guid>
			<pubDate>Mon, 29 October 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>retirement, 401k, 401(k), ira, retirement help, taxes and retirement, retirement plan</itunes:keywords>
		</item>

		<item>
			<title>Be Careful When Choosing Your Work Benefits</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out what steps you can take this open enrollment period to ensure you are getting the most out of your benefits.]]></description>
			<itunes:subtitle>Find out what steps you can take this open enrollment period to ensure you are getting the most out of your benefits.</itunes:subtitle>
			<itunes:summary>Find out what steps you can take this open enrollment period to ensure you are getting the most out of your benefits.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/91%20Be%20Careful%20When%20Choosing%20Your%20Work%20Benefits.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/91%20Be%20Careful%20When%20Choosing%20Your%20Work%20Benefits.mp3</guid>
			<pubDate>Mon, 22 October 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>open enrollment, fsa, flexible spending account, employee benefits</itunes:keywords>
		</item>
		<item>
			<title>Be Prepared for Layoffs</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out what steps you can take now to ensure you are covered in the event of a layoff.]]></description>
			<itunes:subtitle>Find out what steps you can take now to ensure you are covered in the event of a layoff.</itunes:subtitle>
			<itunes:summary>Find out what steps you can take now to ensure you are covered in the event of a layoff.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/90%20Be%20Prepared%20for%20Layoffs.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/90%20Be%20Prepared%20for%20Layoffs.mp3</guid>
			<pubDate>Mon, 15 October 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>layoff, job loss, COBRA, severance, unemployment, emergency fund</itunes:keywords>
		</item>
		<item>
			<title>Time for a New Car?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn which factors to consider before you hit the lots in search of a new car.]]></description>
			<itunes:subtitle>Learn which factors to consider before you hit the lots in search of a new car.</itunes:subtitle>
			<itunes:summary>Learn which factors to consider before you hit the lots in search of a new car.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/89%20Time%20for%20a%20New%20Car_.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/89%20Time%20for%20a%20New%20Car_.mp3</guid>
			<pubDate>Mon, 8 October 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>car, car shopping, car buying tips, buying new car</itunes:keywords>
		</item>
		<item>
			<title>Treasure Hunting for Your Lost Money</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Could you have forgotten an IRS refund, bank account, savings bond? Find out how to locate forgotten funds you could be due.]]></description>
			<itunes:subtitle>Could you have forgotten an IRS refund, bank account, savings bond? Find out how to locate forgotten funds you could be due.</itunes:subtitle>
			<itunes:summary>Could you have forgotten an IRS refund, bank account, savings bond? Find out how to locate forgotten funds you could be due.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/88%20Treasure%20Hunting%20for%20Your%20Lost%20Money.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/88%20Treasure%20Hunting%20for%20Your%20Lost%20Money.mp3</guid>
			<pubDate>Mon, 1 October 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>lost money, locating funds, lost state funds, IRS refund, state money</itunes:keywords>
		</item>
		<item>
			<title>Getting Married Later in Life</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out what you should discuss with your future spouse before walking down the aisle.]]></description>
			<itunes:subtitle>Find out what you should discuss with your future spouse before walking down the aisle.</itunes:subtitle>
			<itunes:summary>Find out what you should discuss with your future spouse before walking down the aisle.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/87%20Getting%20Married%20Later%20in%20Life.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/87%20Getting%20Married%20Later%20in%20Life.mp3</guid>
			<pubDate>Mon, 24 September 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>marriage finances, second marriage finances, marriage assets, prenup</itunes:keywords>
		</item>
		<item>
			<title>Reducing the Pain of Budgeting</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover how you can make budgeting work for you, no matter what your financial situation and goals.]]></description>
			<itunes:subtitle>Discover how you can make budgeting work for you, no matter what your financial situation and goals.</itunes:subtitle>
			<itunes:summary>Discover how you can make budgeting work for you, no matter what your financial situation and goals.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/86%20Reducing%20the%20Pain%20of%20Budgeting.mp3" length="1969441" />
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			<pubDate>Mon, 17 September 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>budgeting, budget, financial goals, goal setting, retirement, paying for college</itunes:keywords>
		</item>
		<item>
			<title>Women and Personal Finances</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how women, in particular, can protect themselves and their financial futures.]]></description>
			<itunes:subtitle>Find out how women, in particular, can protect themselves and their financial futures.</itunes:subtitle>
			<itunes:summary>Find out how women, in particular, can protect themselves and their financial futures.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/85%20Women%20and%20Personal%20Finances.mp3</guid>
			<pubDate>Mon, 10 September 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>women, personal finance, women retirement, social security</itunes:keywords>
		</item>
		<item>
			<title>The Power of Compounding</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn what compounding can do for your savings funds&ndash;and how best to take advantage of it.]]></description>
			<itunes:subtitle>Learn what compounding can do for your savings funds&ndash;and how best to take advantage of it.</itunes:subtitle>
			<itunes:summary>Learn what compounding can do for your savings funds&ndash;and how best to take advantage of it.</itunes:summary>
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			<pubDate>Mon, 3 September 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>compounding, compound interest, saving, savings, saving strategies, savings account, bond, mutual fund, investing</itunes:keywords>
		</item>
		<item>
			<title>Empty Homes Also Need Insurance</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Is your house sitting empty because it&#39;s for sale or in a foreclosure? Find out what to do if your standard homeowners policy doesn&#39;t cover you.]]></description>
			<itunes:subtitle>Is your house sitting empty because it&#39;s for sale or in a foreclosure? Find out what to do if your standard homeowners policy doesn&#39;t cover you.</itunes:subtitle>
			<itunes:summary>Is your house sitting empty because it&#39;s for sale or in a foreclosure? Find out what to do if your standard homeowners policy doesn&#39;t cover you.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/83%20Empty%20Homes%20Also%20Need%20Insurance.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/83%20Empty%20Homes%20Also%20Need%20Insurance.mp3</guid>
			<pubDate>Mon, 27 August 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>homeowners insurance, short sale, foreclosure, renting your home, tenants, home liability</itunes:keywords>
		</item>
		<item>
			<title>Financial Advice for the Recently Widowed</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[During the incredibly difficult time of losing a spouse, it is easy for financial tasks to slip. Make sure you know which tasks can be handled now and which can wait.]]></description>
			<itunes:subtitle>During the incredibly difficult time of losing a spouse, it is easy for financial tasks to slip. Make sure you know which tasks can be handled now and which can wait.</itunes:subtitle>
			<itunes:summary>During the incredibly difficult time of losing a spouse, it is easy for financial tasks to slip. Make sure you know which tasks can be handled now and which can wait.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/82%20Financial%20Advice%20for%20the%20Recently%20Widowed.mp3</guid>
			<pubDate>Mon, 20 August 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>spouse death, death of spouse, widow, widower, spouse death finances</itunes:keywords>
		</item>
		<item>
			<title>Easing Student Loan Repayments</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you having trouble paying off student loans? Find out about programs that can help reduce your monthly payments.]]></description>
			<itunes:subtitle>Are you having trouble paying off student loans? Find out about programs that can help reduce your monthly payments.</itunes:subtitle>
			<itunes:summary>Are you having trouble paying off student loans? Find out about programs that can help reduce your monthly payments.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/81%20Easing%20Student%20Loan%20Repayments.mp3</guid>
			<pubDate>Mon, 13 August 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>income based repayment, IBR, student loans, Stafford loans, plus student loans</itunes:keywords>
		</item>
		<item>
			<title>When Roommates Go Bad</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Ensure a happier, more successful living situation with these tips on maintaining good roommate relations.]]></description>
			<itunes:subtitle>Ensure a happier, more successful living situation with these tips on maintaining good roommate relations.</itunes:subtitle>
			<itunes:summary>Ensure a happier, more successful living situation with these tips on maintaining good roommate relations.</itunes:summary>
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			<pubDate>Mon, 6 August 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>roommates, college living, renters insurance, landlord, roommate tips</itunes:keywords>
		</item>
		<item>
			<title>What to Do if Your Credit Card is Stolen</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn what you should do first to protect yourself and your identity in the event your credit card is stolen.]]></description>
			<itunes:subtitle>Learn what you should do first to protect yourself and your identity in the event your credit card is stolen.</itunes:subtitle>
			<itunes:summary>Learn what you should do first to protect yourself and your identity in the event your credit card is stolen.</itunes:summary>
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			<pubDate>Mon, 30 July 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>credit card, identity theft, FTC, wallet stolen, credit card theft</itunes:keywords>
		</item>
		<item>
			<title>Get Organized for Back-to-School Season</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover great tips for an easier, more organized and more financially sound back-to-school season.]]></description>
			<itunes:subtitle>Discover great tips for an easier, more organized and more financially sound back-to-school season.</itunes:subtitle>
			<itunes:summary>Discover great tips for an easier, more organized and more financially sound back-to-school season.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/78%20Get%20Organized%20for%20Back-to-School%20Season.mp3</guid>
			<pubDate>Mon, 23 July 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>back to school, back to school deals, back to school shopping, school shopping, school shopping tips</itunes:keywords>
		</item>
		<item>
			<title>Does a Prepaid Card Make Sense for You?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how prepaid cards can deliver convenience, freedom and organizational help to those without traditional bank accounts.]]></description>
			<itunes:subtitle>Find out how prepaid cards can deliver convenience, freedom and organizational help to those without traditional bank accounts.</itunes:subtitle>
			<itunes:summary>Find out how prepaid cards can deliver convenience, freedom and organizational help to those without traditional bank accounts.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/77%20Does%20a%20Prepaid%20Card%20Make%20Sense%20for%20You.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/77%20Does%20a%20Prepaid%20Card%20Make%20Sense%20for%20You.mp3</guid>
			<pubDate>Mon, 16 Jul 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>prepaid, prepaid card, prepaid card benefits</itunes:keywords>
		</item>
		<item>
			<title>Use Financial Windfalls Wiselyl</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[What should you do with the next financial windfall that comes your way? Find out how to use unexpected income so it benefits you in the long-term.]]></description>
			<itunes:subtitle>What should you do with the next financial windfall that comes your way? Find out how to use unexpected income so it benefits you in the long-term.</itunes:subtitle>
			<itunes:summary>What should you do with the next financial windfall that comes your way? Find out how to use unexpected income so it benefits you in the long-term.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/76%20Use%20Financial%20Windfalls%20Wisely.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/76%20Use%20Financial%20Windfalls%20Wisely.mp3</guid>
			<pubDate>Mon, 9 Jul 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>will, make a will, durable power of attorney, healthcare durable power of attorney</itunes:keywords>
		</item>
		<item>
			<title>Tread Carefully With Reverse Mortgages</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you considering turning to a reverse mortgage in order to cope with rising expenses? Make sure you understand the risks and how to protect yourself.]]></description>
			<itunes:subtitle>Are you considering turning to a reverse mortgage in order to cope with rising expenses? Make sure you understand the risks and how to protect yourself.</itunes:subtitle>
			<itunes:summary>Are you considering turning to a reverse mortgage in order to cope with rising expenses? Make sure you understand the risks and how to protect yourself.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/75%20Helping%20Others%20When%20Money%20is%20Tight.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/75%20Tread%20Carefully%20With%20Reverse%20Mortgages.mp3</guid>
			<pubDate>Mon, 2 Jul 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>reverse mortgage, seniors mortgage, origination fees, mortgage help, mortgage payments</itunes:keywords>
		</item>
		<item>
			<title>Know Your Rights With Debt Collectors</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you being hounded by debt collectors? Understanding your rights as a consumer is critical.]]></description>
			<itunes:subtitle>Are you being hounded by debt collectors? Understanding your rights as a consumer is critical.</itunes:subtitle>
			<itunes:summary>Are you being hounded by debt collectors? Understanding your rights as a consumer is critical.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/74%20Know%20Your%20Rights%20With%20Debt%20Collectors.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/74%20Know%20Your%20Rights%20With%20Debt%20Collectors.mp3</guid>
			<pubDate>Mon, 25 Jun 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>debt, debt collection, consumer rights, debt problems, debt collectors</itunes:keywords>
		</item>
		<item>
			<title>The High Cost of Caring for Your Parents</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Helping your elderly parents financially doesn&#39;t have to jeopardize your financial wellbeing and future. Find out how to protect yourself.]]></description>
			<itunes:subtitle>Helping your elderly parents financially doesn&#39;t have to jeopardize your financial wellbeing and future. Find out how to protect yourself.</itunes:subtitle>
			<itunes:summary>Helping your elderly parents financially doesn&#39;t have to jeopardize your financial wellbeing and future. Find out how to protect yourself.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/73%20Financial%20Challenges%20of%20Being%20Your%20Parents'%20Care%20Giver.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/73%20Financial%20Challenges%20of%20Being%20Your%20Parents'%20Care%20Giver.mp3</guid>
			<pubDate>Mon, 18 Jun 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>caring for parents, elderly parents, cost of caring for parents, elderly care, medicare, Medicaid</itunes:keywords>
		</item>
		<item>
			<title>Quick Credit Score Fixesl</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out about the steps you can take to boost your credit score and improve your financial future.]]></description>
			<itunes:subtitle>Find out about the steps you can take to boost your credit score and improve your financial future.</itunes:subtitle>
			<itunes:summary>Find out about the steps you can take to boost your credit score and improve your financial future.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/72%20Easy%20Fixes%20for%20Improving%20Your%20Credit%20Score.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/72%20Easy%20Fixes%20for%20Improving%20Your%20Credit%20Score.mp3</guid>
			<pubDate>Mon, 11 Jun 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>credit score, raise credit score, credit report</itunes:keywords>
		</item>
		<item>
			<title>Put the Brakes on Debt</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you struggling with debt or beginning to fall behind on bills? Find out what to watch for and ways to reclaim your finances.]]></description>
			<itunes:subtitle>Are you struggling with debt or beginning to fall behind on bills? Find out what to watch for and ways to reclaim your finances.</itunes:subtitle>
			<itunes:summary>Are you struggling with debt or beginning to fall behind on bills? Find out what to watch for and ways to reclaim your finances.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/71%20Put%20the%20Brakes%20on%20Debt.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/71%20Put%20the%20Brakes%20on%20Debt.mp3</guid>
			<pubDate>Mon, 4 Jun 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>debt, handling debt, paying off debt, layoff, debt finances, credit card debt</itunes:keywords>
		</item>
		<item>
			<title>Stop Procrastinating and Make Your Will</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Now is the time to make a will and ensure your wishes are known and your loved ones are covered. Find out about the documents every person should have in place.</itunes:subtitle>
			<itunes:summary>Now is the time to make a will and ensure your wishes are known and your loved ones are covered. Find out about the documents every person should have in place.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/70%20Stop%20Procrastinating%20and%20Make%20Your%20Will.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/70%20Stop%20Procrastinating%20and%20Make%20Your%20Will.mp3</guid>
			<pubDate>Mon, 28 May 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>will, make a will, durable power of attorney, healthcare durable power of attorney</itunes:keywords>
		</item>
		<item>
			<title>Reentering the Job Market</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Are you searching for a job for the first time in years? Find out what has changed about the job search, and how you can help ensure your own success.</itunes:subtitle>
			<itunes:summary>Are you searching for a job for the first time in years? Find out what has changed about the job search, and how you can help ensure your own success.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/69%20Online%20Job%20Search%20Tools.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/69%20Online%20Job%20Search%20Tools.mp3</guid>
			<pubDate>Mon, 21 May 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>job search, Monster, Careerbuilder, job search tips, job hunt, online job search</itunes:keywords>
		</item>
		<item>
			<title>Trim Your Vacation Costs</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Plan the summer vacation you want without sacrificing your financial comfort—or paying for it for months to come.</itunes:subtitle>
			<itunes:summary>Plan the summer vacation you want without sacrificing your financial comfort—or paying for it for months to come.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/68%20Trim%20Your%20Vacation%20Costs.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/68%20Trim%20Your%20Vacation%20Costs.mp3</guid>
			<pubDate>Mon, 14 May 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>save on travel, affordable travel, travel tips, vacation, summer vacation, save on summer trip, travel for less, cheap travel</itunes:keywords>
		</item>
		<item>
			<title>Think Twice Before Raiding Your Retirement Account</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Are you tapping your retirement accounts as a solution to economic hardship? Find out how you could be impacting your financial future.</itunes:subtitle>
			<itunes:summary>Are you tapping your retirement accounts as a solution to economic hardship? Find out how you could be impacting your financial future.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/67%20Think%20Twice%20Before%20Raiding%20Your%20Retirement%20Account.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/67%20Think%20Twice%20Before%20Raiding%20Your%20Retirement%20Account.mp3</guid>
			<pubDate>Mon, 7 May 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>IRA, retirement, IRA withdrawals, 401(k), 401(k) withdrawals, withdrawal penalties</itunes:keywords>
		</item>
		<item>
			<title>Lessons Learned from the Tooth Fairy</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Cash received from the tooth fairy is a great opportunity to teach kids about handling money responsibly.</itunes:subtitle>
			<itunes:summary>Cash received from the tooth fairy is a great opportunity to teach kids about handling money responsibly.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/66%20Use%20Financial%20Windfalls%20Wisely.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/66%20Use%20Financial%20Windfalls%20Wisely.mp3</guid>
			<pubDate>Mon, 30 April 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>kids money, tooth fairy, teaching about money, allowance, kids money lessons</itunes:keywords>
		</item>
		<item>
			<title>This Mother&#39;s Day, Help Mom Get Organized</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Help your mom organize her financial, legal and medical records to help ensure she is covered today and in the long run.</itunes:subtitle>
			<itunes:summary>Help your mom organize her financial, legal and medical records to help ensure she is covered today and in the long run.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/65%20For%20Mother's%20Day,%20Help%20Mom%20Get%20Organized.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/65%20For%20Mother's%20Day,%20Help%20Mom%20Get%20Organized.mp3</guid>
			<pubDate>Mon, 23 April 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>mother finances, parent finances, elderly parent, IRA, 401(k) plans</itunes:keywords>
		</item>
		<item>
			<title>Are Your Kids Ready for Cell Phones?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Are your kids begging for a cell phone? Consider these costs and benefits before you make the decision to get them one.</itunes:subtitle>
			<itunes:summary>Are your kids begging for a cell phone? Consider these costs and benefits before you make the decision to get them one.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/64%20Are%20Your%20Kids%20Ready%20For%20Cell%20Phones.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/64%20Are%20Your%20Kids%20Ready%20For%20Cell%20Phones.mp3</guid>
			<pubDate>Mon, 16 April 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>kids money, allowance, kids cell phones, cell phone costs, kids budget</itunes:keywords>
		</item>
		<item>
			<title>Interest Rates 101</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out why it&#39;s important to teach your kids about interest rates before they leave home.]]></description>
			<itunes:subtitle>Find out why it&#39;s important to teach your kids about interest rates before they leave home.</itunes:subtitle>
			<itunes:summary>Find out why it&#39;s important to teach your kids about interest rates before they leave home.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/63%20Teach%20Your%20Kids%20About%20Interest%20Rates.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/63%20Teach%20Your%20Kids%20About%20Interest%20Rates.mp3</guid>
			<pubDate>Mon, 9 April 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>interest rates, teaching kids money, credit score, loan rates</itunes:keywords>
		</item>
		<item>
			<title>Smart Uses for Your Tax Refund</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you giving Uncle Sam a free loan? Find out how you could be putting that money to work for yourself instead.]]></description>
			<itunes:subtitle>Are you giving Uncle Sam a free loan? Find out how you could be putting that money to work for yourself instead.</itunes:subtitle>
			<itunes:summary>Are you giving Uncle Sam a free loan? Find out how you could be putting that money to work for yourself instead.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/62%20Smart%20Uses%20for%20Your%20Tax%20Refund.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/62%20Smart%20Uses%20for%20Your%20Tax%20Refund.mp3</guid>
			<pubDate>Mon, 2 April 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tax refund, W-4s, emergency fund</itunes:keywords>
		</item>
		<item>
			<title>Financial Teachable Moments</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover how you can prepare your kids to deal with the financial world through small, daily lessons related to real life.]]></description>
			<itunes:subtitle>Discover how you can prepare your kids to deal with the financial world through small, daily lessons related to real life.</itunes:subtitle>
			<itunes:summary>Discover how you can prepare your kids to deal with the financial world through small, daily lessons related to real life.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/61%20Financial%20Literacy%20Teachable%20Moments%20Come%20at%20All%20Ages.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/61%20Financial%20Literacy%20Teachable%20Moments%20Come%20at%20All%20Ages.mp3</guid>
			<pubDate>Mon, 26 Mar 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>teaching kids about money, kids money, parents money, saving, kids budgeting</itunes:keywords>
		</item>
		<item>
			<title>Procrastinators Pay</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Don&#39;t let putting off chores and financial tasks cost you big in late fees.]]></description>
			<itunes:subtitle>Don&#39;t let putting off chores and financial tasks cost you big in late fees.</itunes:subtitle>
			<itunes:summary>Don&#39;t let putting off chores and financial tasks cost you big in late fees.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/60%20Procrastinators%20Pay.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/60%20Procrastinators%20Pay.mp3</guid>
			<pubDate>Mon, 19 Mar 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>parking tickets, late payments, 401(k), tax deferral, late penalties, deadlines</itunes:keywords>
		</item>
		<item>
			<title>Annuities 101</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Wondering whether buying annuities can help you save for retirement? Learn about the related terms, cost structure and possible penalties.]]></description>
			<itunes:subtitle>Wondering whether buying annuities can help you save for retirement? Learn about the related terms, cost structure and possible penalties.</itunes:subtitle>
			<itunes:summary>Wondering whether buying annuities can help you save for retirement? Learn about the related terms, cost structure and possible penalties.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/59%20Annuities%20101.mp3</guid>
			<pubDate>Mon, 12 Mar 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>annuities, retirement, deferred annuity, annuity fees</itunes:keywords>
		</item>
		<item>
			<title>Spring Clean Your Financial Records</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Save yourself time and money with these tips for better organizing your financial files.]]></description>
			<itunes:subtitle>Save yourself time and money with these tips for better organizing your financial files.</itunes:subtitle>
			<itunes:summary>Save yourself time and money with these tips for better organizing your financial files.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/58%20Spring%20Clean%20Your%20Financial%20Records.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/58%20Spring%20Clean%20Your%20Financial%20Records.mp3</guid>
			<pubDate>Mon, 5 Mar 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>prescription costs, save on medication, prescriptions, save on prescriptions, generic drugs</itunes:keywords>
		</item>
		<item>
			<title>Slash Your Medication Costs</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Learn about the ways you could be saving on medication costs, from requesting generic drugs to signing up for a health care flexible spending account.]]></description>
			<itunes:subtitle>Learn about the ways you could be saving on medication costs, from requesting generic drugs to signing up for a health care flexible spending account.</itunes:subtitle>
			<itunes:summary>Learn about the ways you could be saving on medication costs, from requesting generic drugs to signing up for a health care flexible spending account.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/57%20Slash%20Your%20Medication%20Costs.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/57%20Slash%20Your%20Medication%20Costs.mp3</guid>
			<pubDate>Mon, 27 Feb 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>prescription costs, save on medication, prescriptions, save on prescriptions, generic drugs</itunes:keywords>
		</item>
		<item>
			<title>Why You Need Renter's Insurance</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover why renter's insurance is an important way to protect your possessions and your finances.]]></description>
			<itunes:subtitle>Discover why renter's insurance is an important way to protect your possessions and your finances.</itunes:subtitle>
			<itunes:summary>Discover why renter's insurance is an important way to protect your possessions and your finances.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/56%20Why%20You%20Need%20Renter's%20Insurance.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/56%20Why%20You%20Need%20Renter's%20Insurance.mp3</guid>
			<pubDate>Mon, 20 Feb 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>renters insurance, renting, rental, insurance</itunes:keywords>
		</item>
		<item>
			<title>Senior Prom Sticker Shock</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Is your family struggling to afford the incredible costs associated with senior prom?]]></description>
			<itunes:subtitle>Is your family struggling to afford the incredible costs associated with senior prom?</itunes:subtitle>
			<itunes:summary>Is your family struggling to afford the incredible costs associated with senior prom?</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/55%20Senior%20Prom%20Sticker%20Shock.mp3</guid>
			<pubDate>Mon, 13 Feb 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>prom costs, save on prom, prom expenses, senior year, prom budget</itunes:keywords>
		</item>
		<item>
			<title>Protect Your Kids From Identity Theft</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how you can protect your child's identity in addition to your own.]]></description>
			<itunes:subtitle>Find out how you can protect your child's identity in addition to your own.</itunes:subtitle>
			<itunes:summary>Find out how you can protect your child's identity in addition to your own.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/54%20Protect%20Your%20Kids%20From%20Identity%20Theft.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/54%20Protect%20Your%20Kids%20From%20Identity%20Theft.mp3</guid>
			<pubDate>Mon, 6 Feb 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>identity theft, online safety, children security, children identity theft, kids identity theft</itunes:keywords>
		</item>
		<item>
			<title>The Wisdom of Waiting for Social Security</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how waiting to begin drawing Social Security benefits can help you ensure a more solid financial future.]]></description>
			<itunes:subtitle>Find out how waiting to begin drawing Social Security benefits can help you ensure a more solid financial future.</itunes:subtitle>
			<itunes:summary>Find out how waiting to begin drawing Social Security benefits can help you ensure a more solid financial future.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/53%20The%20Wisdom%20of%20Waiting%20for%20Social%20Security.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/53%20The%20Wisdom%20of%20Waiting%20for%20Social%20Security.mp3</guid>
			<pubDate>Mon, 30 Jan 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>social security, social security benefits, retirement, social security eligibility</itunes:keywords>
		</item>
		<item>
			<title>Financial Advice for New Fathers</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Consider these tips for preparing for both expected and unexpected expenses, geared toward new fathers and fathers-to-be.]]></description>
			<itunes:subtitle>Consider these tips for preparing for both expected and unexpected expenses, geared toward new fathers and fathers-to-be.</itunes:subtitle>
			<itunes:summary>Consider these tips for preparing for both expected and unexpected expenses, geared toward new fathers and fathers-to-be.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/52%20Financial%20Advice%20for%20New%20Fathers.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/52%20Financial%20Advice%20for%20New%20Fathers.mp3</guid>
			<pubDate>Mon, 23 Jan 2012 17:01:40 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>financial tips fathers, parenting costs, parents finances, fathers financial planning, finances new parents, finance tips fathers</itunes:keywords>
		</item>
		<item>
			<title>The Fine Print on Contracts</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[There are numerous scams today that target senior citizens. Find out what they are to keep yourself, or the seniors in your life, protected.]]></description>
			<itunes:subtitle>Before you sign on the dotted line, it's important to anticipate things that could go wrong. Here are a few tips detailing what you should watch for. </itunes:subtitle>
			<itunes:summary>Before you sign on the dotted line, it's important to anticipate things that could go wrong. Here are a few tips detailing what you should watch for. </itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/51%20The%20Fine%20Print%20on%20Contracts.mp3" length="1969433" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/51%20The%20Fine%20Print%20on%20Contracts.mp3</guid>
			<pubDate>Mon, 16 Jan 2012 17:00:08 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>seniors scams, seniors scams, seniors cons, identity protection, protect identity, seniors identity theft, protect personal information, seniors finances</itunes:keywords>
		</item>
		<item>
			<title>Seniors: Beware of Scams</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[There are numerous scams today that target senior citizens. Find out what they are to keep yourself, or the seniors in your life, protected.]]></description>
			<itunes:subtitle>There are numerous scams today that target senior citizens. Find out what they are to keep yourself, or the seniors in your life, protected.</itunes:subtitle>
			<itunes:summary>There are numerous scams today that target senior citizens. Find out what they are to keep yourself, or the seniors in your life, protected.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/50%20Seniors_%20Beware%20of%20Scams.mp3" length="1969433" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/50%20Seniors_%20Beware%20of%20Scams.mp3</guid>
			<pubDate>Mon, 16 Jan 2012 17:00:08 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>seniors scams, seniors scams, seniors cons, identity protection, protect identity, seniors identity theft, protect personal information, seniors finances</itunes:keywords>
		</item>
		<item>
			<title>Get the Most Out of Your Gift Cards</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you received gift cards this holiday season, follow these smart tips for getting all you can out of them in the months to come.]]></description>
			<itunes:subtitle>If you received gift cards this holiday season, follow these smart tips for getting all you can out of them in the months to come.</itunes:subtitle>
			<itunes:summary>If you received gift cards this holiday season, follow these smart tips for getting all you can out of them in the months to come.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/49%20Get%20the%20Most%20Out%20of%20Your%20Gift%20Cards.mp3" length="1969444" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/49%20Get%20the%20Most%20Out%20of%20Your%20Gift%20Cards.mp3</guid>
			<pubDate>Mon, 09 Jan 2012 16:59:21 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>gift cards, tips for gift cards, holiday gift cards, what to do with gift cards, unwanted gift cards, gift card tips</itunes:keywords>
		</item>
		<item>
			<title>Life Insurance Reality Check</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you doing without life insurance or unsure whether you have adequate coverage? Listen to this overview to find out more.]]></description>
			<itunes:subtitle>Are you doing without life insurance or unsure whether you have adequate coverage? Listen to this overview to find out more.</itunes:subtitle>
			<itunes:summary>Are you doing without life insurance or unsure whether you have adequate coverage? Listen to this overview to find out more.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/48%20Life%20Insurance%20Reality%20Check.mp3" length="1969437" />
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			<pubDate>Mon, 02 Jan 2012 16:58:27 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>life insurance, life insurance tips, protect dependents, life insurance coverage, life insurance policy, beneficiaries, life insurance policies</itunes:keywords>
		</item>
		<item>
			<title>Transitioning From the Military</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you or someone you know is preparing to leave the military, consider these tips for a smooth and easy transition to civilian life.]]></description>
			<itunes:subtitle>If you or someone you know is preparing to leave the military, consider these tips for a smooth and easy transition to civilian life.</itunes:subtitle>
			<itunes:summary>If you or someone you know is preparing to leave the military, consider these tips for a smooth and easy transition to civilian life.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/47%20Transitioning%20From%20the%20Military.mp3</guid>
			<pubDate>Mon, 19 Dec 2011 16:57:35 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>transition from military, life after military, Hire a Hero, support for veterans, veterans job search, veteran support</itunes:keywords>
		</item>
		<item>
			<title>Preventing Identity Theft</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you taking all of the precautions you can against identity theft? Find out a few simple actions you can take to better protect your finances and identity.]]></description>
			<itunes:subtitle>Are you taking all of the precautions you can against identity theft? Find out a few simple actions you can take to better protect your finances and identity.</itunes:subtitle>
			<itunes:summary>Are you taking all of the precautions you can against identity theft? Find out a few simple actions you can take to better protect your finances and identity.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/46%20Preventing%20Identity%20Theft.mp3" length="1969434" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/46%20Preventing%20Identity%20Theft.mp3</guid>
			<pubDate>Mon, 12 Dec 2011 16:56:37 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>identity theft, identity fraud, protect your identity, credit card fraud, identity protection, protection from fraud, identity theft tips</itunes:keywords>
		</item>
		<item>
			<title>Start Your College Loan Search Early</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Now is the time to start looking into your student loan options for next year. Find out a few helpful tips for beginning your search and taking advantage of your options.]]></description>
			<itunes:subtitle>Now is the time to start looking into your student loan options for next year. Find out a few helpful tips for beginning your search and taking advantage of your options.</itunes:subtitle>
			<itunes:summary>Now is the time to start looking into your student loan options for next year. Find out a few helpful tips for beginning your search and taking advantage of your options.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/45%20Start%20Your%20College%20Loan%20Search%20Early.mp3</guid>
			<pubDate>Mon, 5 Dec 2011 16:55:52 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>college loans, college loan tips, FAFSA, application for federal student aid, money for college, college funding, financial aid, financial aid for college</itunes:keywords>
		</item>
		<item>
			<title>Go Green and Save</title>
			<itunes:author>Jason Alderman,Visa Inc.</itunes:author>
			<description><![CDATA[Saving money and protecting the environment can go hand in hand with these simple tricks for reducing your energy usage and more.]]></description>
			<itunes:subtitle>Saving money and protecting the environment can go hand in hand with these simple tricks for reducing your energy usage and more.</itunes:subtitle>
			<itunes:summary>Saving money and protecting the environment can go hand in hand with these simple tricks for reducing your energy usage and more.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/44%20Go%20Green%20and%20Save.mp3</guid>
			<pubDate>Mon, 28 Nov 2011 16:54:59 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>green products, save on green products, green tips, energy efficiency, save on utilities, lower utility bill</itunes:keywords>
		</item>
		<item>
			<title>Avoid a Holiday Spending Hangover</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how taking certain actions now&ndash;like maxing out your 401(k) contributions&ndash;can save you big on your income taxes next year.]]></description>
			<itunes:subtitle>Before you hit the stores this holiday season, find out a few ways to adjust your budget and your habits so you don&#39;t overspend.</itunes:subtitle>
			<itunes:summary>Before you hit the stores this holiday season, find out a few ways to adjust your budget and your habits so you don&#39;t overspend.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/43%20Avoid%20a%20Holiday%20Spending%20Hangover.mp3" length="1969423" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/43%20Avoid%20a%20Holiday%20Spending%20Hangover.mp3</guid>
			<pubDate>Mon, 21 Nov 2011 16:54:11 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>holiday expenses, holiday budget, holiday spending, gift budget, save on gifts, holiday shopping tips</itunes:keywords>
		</item>
		<item>
			<title>Cut Your Taxes</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how taking certain actions now&ndash;like maxing out your 401(k) contributions&ndash;can save you big on your income taxes next year.]]></description>
			<itunes:subtitle>Find out how taking certain actions now&amp;ndash;like maxing out your 401(k) contributions&amp;ndash;can save you big on your income taxes next year.</itunes:subtitle>
			<itunes:summary>Find out how taking certain actions now&amp;ndash;like maxing out your 401(k) contributions&amp;ndash;can save you big on your income taxes next year.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/42%20Cut%20Your%20Taxes.mp3" length="1969423" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/42%20Cut%20Your%20Taxes.mp3</guid>
			<pubDate>Mon, 14 Nov 2011 16:54:11 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>FSAs, FSA, flexible spending accounts, deductions, income tax tips, tax tips, save on taxes, 401(k) and taxes, IRA, tax deadlines</itunes:keywords>
		</item>
		<item>
			<title>Diversify Your Investments</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are all of your investments in one place? Learn how diversifying your holdings can help you ensure your investments are protected.]]></description>
			<itunes:subtitle>Are all of your investments in one place? Learn how diversifying your holdings can help you ensure your investments are protected.</itunes:subtitle>
			<itunes:summary>Are all of your investments in one place? Learn how diversifying your holdings can help you ensure your investments are protected.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/41%20Diversify%20Your%20Investments.mp3" length="1969435" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/41%20Diversify%20Your%20Investments.mp3</guid>
			<pubDate>Mon, 7 Nov 2011 16:53:23 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>investments, diversify investments, mutual funds, asset allocations, protect investments, investment tips</itunes:keywords>
		</item>
		<item>
			<title>Babies are Expensive</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you planning to expand your family in the near future? Anticipating these expenses can help you prepare for your new arrival.]]></description>
			<itunes:subtitle>Are you planning to expand your family in the near future? Anticipating these expenses can help you prepare for your new arrival.</itunes:subtitle>
			<itunes:summary>Are you planning to expand your family in the near future? Anticipating these expenses can help you prepare for your new arrival.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/40%20Babies%20are%20Expensive.mp3" length="1969429" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/40%20Babies%20are%20Expensive.mp3</guid>
			<pubDate>Mon, 31 Oct 2011 16:50:53 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>costs baby, baby health insurance, cost of baby, cost of having baby, expense of having baby, save on baby items, parental leave, dependent coverage</itunes:keywords>
		</item>
		<item>
			<title>Get Your Kids Involved in Family Finances</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how involving kids in family financial discussions can help them learn the importance of budgeting and saving.]]></description>
			<itunes:subtitle>Find out how involving kids in family financial discussions can help them learn the importance of budgeting and saving.</itunes:subtitle>
			<itunes:summary>Find out how involving kids in family financial discussions can help them learn the importance of budgeting and saving.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/39%20Get%20Your%20Kids%20Involved%20in%20Family%20Finances.mp3" length="1969450" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/39%20Get%20Your%20Kids%20Involved%20in%20Family%20Finances.mp3</guid>
			<pubDate>Mon, 24 Oct 2011 16:49:49 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>family finances, talk money with kids, kids money, kids budget, teach kids money, family budget, teach budgeting</itunes:keywords>
		</item>
		<item>
			<title>Lower Your Taxes — Next Year</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[This open enrollment season, find out how you can save on next year&#39;s taxes by signing up for a flexible spending account.]]></description>
			<itunes:subtitle>This open enrollment season, find out how you can save on next year&amp;#39;s taxes by signing up for a flexible spending account.</itunes:subtitle>
			<itunes:summary>This open enrollment season, find out how you can save on next year&amp;#39;s taxes by signing up for a flexible spending account.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/38%20Lower%20Your%20Taxes-Next%20Year.mp3" length="1969468" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/38%20Lower%20Your%20Taxes-Next%20Year.mp3</guid>
			<pubDate>Mon, 17 Oct 2011 16:48:51 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>open enrollment, health insurance deductibles, flexible spending account, save on taxes, tax savings, FSAs</itunes:keywords>
		</item>
		<item>
			<title>Watch Out for Taxes in Retirement</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Are you taking taxes into account when planning your retirement? Find out what costs you should be factoring in as you plan for your retirement.]]></description>
			<itunes:subtitle>Are you taking taxes into account when planning your retirement? Find out what costs you should be factoring in as you plan for your retirement.</itunes:subtitle>
			<itunes:summary>Are you taking taxes into account when planning your retirement? Find out what costs you should be factoring in as you plan for your retirement.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/37%20Watch%20Out%20for%20Taxes%20in%20Retirement.mp3" length="1969442" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/37%20Watch%20Out%20for%20Taxes%20in%20Retirement.mp3</guid>
			<pubDate>Mon, 10 Oct 2011 16:47:34 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>401(k)s, taxes and retirement, social security benefits, plan for retirement, 401(k)s and taxes, Roth 401(k), retirement budget</itunes:keywords>
		</item>
		<item>
			<title>The High Cost of Dying</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Make sure your family will be covered in the event of your death with these tips for managing the financial challenges of a funeral and more.]]></description>
			<itunes:subtitle>Make sure your family will be covered in the event of your death with these tips for managing the financial challenges of a funeral and more.</itunes:subtitle>
			<itunes:summary>Make sure your family will be covered in the event of your death with these tips for managing the financial challenges of a funeral and more.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/36%20The%20High%20Cost%20of%20Dying.mp3" length="1969431" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/36%20The%20High%20Cost%20of%20Dying.mp3</guid>
			<pubDate>Mon, 03 Oct 2011 16:46:27 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>death costs, funeral costs, cremation, funeral expenses, burial costs, burial expenses</itunes:keywords>
		</item>
		<item>
			<title>Choosing Charities Wisely</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Get smart tips on ensuring that your charities of choice are legitimate and deserving of your support.]]></description>
			<itunes:subtitle>Get smart tips on ensuring that your charities of choice are legitimate and deserving of your support.</itunes:subtitle>
			<itunes:summary>Get smart tips on ensuring that your charities of choice are legitimate and deserving of your support.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/35%20Choosing%20Charities%20Wisely.mp3" length="1969434" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/35%20Choosing%20Charities%20Wisely.mp3</guid>
			<pubDate>Mon, 26 Sep 2011 16:45:03 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>charitable contributions, research charities, Tax Topic 506, worthy charities, charity search</itunes:keywords>
		</item>
		<item>
			<title>Accidents Will Happen — Are you Ready?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Here are a few ways you can ensure your family will be protected if something should happen to you.]]></description>
			<itunes:subtitle>Here are a few ways you can ensure your family will be protected if something should happen to you.</itunes:subtitle>
			<itunes:summary>Here are a few ways you can ensure your family will be protected if something should happen to you.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/34%20Accidents%20Will%20Happen%20Are%20you%20Ready_.mp3" length="1969488" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/34%20Accidents%20Will%20Happen%20Are%20you%20Ready_.mp3</guid>
			<pubDate>Mon, 19 Sep 2011 16:44:18 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>will, living will, financial durable power of attorney, healthcare durable power of attorney, life support</itunes:keywords>
		</item>
		<item>
			<title>Insurance Coverage You Shouldn&apos;t Do Without</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you are doing without insurance because of the costs, you could be setting yourself up for financial ruin. Find out which policies you shouldn&#39;t do without.]]></description>
			<itunes:subtitle>If you are doing without insurance because of the costs, you could be setting yourself up for financial ruin. Find out which policies you shouldn&amp;#39;t do without.</itunes:subtitle>
			<itunes:summary>If you are doing without insurance because of the costs, you could be setting yourself up for financial ruin. Find out which policies you shouldn&amp;#39;t do without.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/33%20Insurance%20Coverage%20You%20Shouldn%27t%20Do%20Without.mp3" length="1969452" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/33%20Insurance%20Coverage%20You%20Shouldn%27t%20Do%20Without.mp3</guid>
			<pubDate>Mon, 12 Sep 2011 16:43:17 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>medical insurance, homeowners insurance, car insurance, life insurance, tips on insurance, insurance tips, insurance you need</itunes:keywords>
		</item>
		<item>
			<title>When Elderly Parents Need Financial Guidance</title>
			<itunes:author>Jason Alderman,Visa Inc.</itunes:author>
			<description><![CDATA[Do you suspect an elderly parent needs your financial assistance? Find out what to watch for, and simple ways you can step in to help.]]></description>
			<itunes:subtitle>Do you suspect an elderly parent needs your financial assistance? Find out what to watch for, and simple ways you can step in to help.</itunes:subtitle>
			<itunes:summary>Do you suspect an elderly parent needs your financial assistance? Find out what to watch for, and simple ways you can step in to help.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/32%20When%20Elderly%20Parents%20Need%20Financial%20Guidance.mp3" length="1969453" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/32%20When%20Elderly%20Parents%20Need%20Financial%20Guidance.mp3</guid>
			<pubDate>Mon, 05 Sep 2011 16:42:31 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>elderly parents money, elderly parents finances, elderly parents, power of attorney</itunes:keywords>
		</item>
		<item>
			<title>Choose Your Open Enrollment Benefits Carefully</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Keep these tips in mind as you review 401(k), flexible spending accounts and other benefit options during this open enrollment season.]]></description>
			<itunes:subtitle>Keep these tips in mind as you review 401(k), flexible spending accounts and other benefit options during this open enrollment season.</itunes:subtitle>
			<itunes:summary>Keep these tips in mind as you review 401(k), flexible spending accounts and other benefit options during this open enrollment season.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/31%20Choose%20Your%20Open%20Enrollment%20Benefits%20Carefully.mp3" length="1969455" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/31%20Choose%20Your%20Open%20Enrollment%20Benefits%20Carefully.mp3</guid>
			<pubDate>Mon, 29 Aug 2011 16:41:35 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>open enrollment, employee benefits, open enrollment tips, 401(k), flexible spending accounts, FSA, benefits tips</itunes:keywords>
		</item>
		<item>
			<title>Can You Afford a New Car?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Before you hit the car lots, calculate the real costs of the vehicle you are considering and evaluate whether it is really in your budget.]]></description>
			<itunes:subtitle>Before you hit the car lots, calculate the real costs of the vehicle you are considering and evaluate whether it is really in your budget.</itunes:subtitle>
			<itunes:summary>Before you hit the car lots, calculate the real costs of the vehicle you are considering and evaluate whether it is really in your budget.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/30%20Can%20You%20Afford%20a%20New%20Car_.mp3</guid>
			<pubDate>Mon, 22 Aug 2011 16:40:42 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:00:59</itunes:duration>
			<itunes:keywords>new car, car financing, car budget, car debt, car loans, car value, car loan term, car costs</itunes:keywords>
		</item>
		<item>
			<title>The Financial Challenges of Divorce</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[It&#39;s a challenging event that many people face at one time or another in their lives. Find out how you can best protect yourself and your assets during a divorce.]]></description>
			<itunes:subtitle>It&amp;#39;s a challenging event that many people face at one time or another in their lives. Find out how you can best protect yourself and your assets during a divorce.</itunes:subtitle>
			<itunes:summary>It&amp;#39;s a challenging event that many people face at one time or another in their lives. Find out how you can best protect yourself and your assets during a divorce.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/29%20The%20Financial%20Challenges%20of%20Divorce.mp3" length="1969444" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/29%20The%20Financial%20Challenges%20of%20Divorce.mp3</guid>
			<pubDate>Mon, 15 Aug 2011 16:39:06 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>divorce finances, divorce money, divorce tips, financial tips divorce</itunes:keywords>
		</item>
		<item>
			<title>What an Allowance Can Teach Kids</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how an allowance can teach kids important lessons about money before the stakes get too high.]]></description>
			<itunes:subtitle>Find out how an allowance can teach kids important lessons about money before the stakes get too high.</itunes:subtitle>
			<itunes:summary>Find out how an allowance can teach kids important lessons about money before the stakes get too high.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/28%20What%20an%20Allowance%20Can%20Teach%20Kids.mp3" length="1969441" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/28%20What%20an%20Allowance%20Can%20Teach%20Kids.mp3</guid>
			<pubDate>Mon, 08 Aug 2011 16:36:40 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>allowances, handling allowances, kids allowances, kids money lessons, kids money, teach with allowance</itunes:keywords>
		</item>
		<item>
			<title>Stretch Your Back-to-School Budget</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[As you and your family get ready for the new school year, find out how you can tackle back-to-school shopping without breaking the bank.]]></description>
			<itunes:subtitle>As you and your family get ready for the new school year, find out how you can tackle back-to-school shopping without breaking the bank.</itunes:subtitle>
			<itunes:summary>As you and your family get ready for the new school year, find out how you can tackle back-to-school shopping without breaking the bank.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/27%20Stretch%20Your%20Back-to-School%20Budget.mp3" length="1969443" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/27%20Stretch%20Your%20Back-to-School%20Budget.mp3</guid>
			<pubDate>Mon, 01 Aug 2011 16:34:00 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>back-to-school shopping, back to school, school shopping, school deals, save on school shopping, school supplies, back to school budget</itunes:keywords>
		</item>
		<item>
			<title>Credit 101 for College Freshmen</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you have kids heading off to college, here are a few ways to prepare them for responsible credit use in the years ahead.]]></description>
			<itunes:subtitle>If you have kids heading off to college, here are a few ways to prepare them for responsible credit use in the years ahead.</itunes:subtitle>
			<itunes:summary>If you have kids heading off to college, here are a few ways to prepare them for responsible credit use in the years ahead.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/26%20Credit%20101%20for%20College%20Freshmen.mp3</guid>
			<pubDate>Mon, 25 Jul 2011 16:33:06 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>college credit cards, credit cards college, teach kids credit, credit resources, what&amp;#39;s my score</itunes:keywords>
		</item>
		<item>
			<title>How Cyber Secure Are You?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[You may know the basics about identity theft and online scams, but is there more you could be doing to avoid them?]]></description>
			<itunes:subtitle>You may know the basics about identity theft and online scams, but is there more you could be doing to avoid them?</itunes:subtitle>
			<itunes:summary>You may know the basics about identity theft and online scams, but is there more you could be doing to avoid them?</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/25%20How%20Cyber%20Secure%20Are%20You_.mp3" length="1969434" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/25%20How%20Cyber%20Secure%20Are%20You_.mp3</guid>
			<pubDate>Mon, 18 Jul 2011 16:32:09 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>online scams, identity theft, anti-spyware, anti-virus, online security, cyber secure, prevent scams, identity theft protection</itunes:keywords>
		</item>
		<item>
			<title>Tackling Your Kids&apos; Summer Boredom</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Keep your kids engaged while providing them with important financial lessons during their summer break.]]></description>
			<itunes:subtitle>Keep your kids engaged while providing them with important financial lessons during their summer break.</itunes:subtitle>
			<itunes:summary>Keep your kids engaged while providing them with important financial lessons during their summer break.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/24%20Tackling%20Your%20Kids%27%20Summer%20Boredom.mp3" length="1969443" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/24%20Tackling%20Your%20Kids%27%20Summer%20Boredom.mp3</guid>
			<pubDate>Mon, 11 Jul 2011 16:29:40 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>kids activities, kids summer activities, allowance, Financial Football, educational video games</itunes:keywords>
		</item>
		<item>
			<title>Beware of Rental Car Surprises</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Travel season is upon us. Here a few ways to ensure you are getting a good deal on your rental car during any upcoming trips.]]></description>
			<itunes:subtitle>Travel season is upon us. Here a few ways to ensure you are getting a good deal on your rental car during any upcoming trips.</itunes:subtitle>
			<itunes:summary>Travel season is upon us. Here a few ways to ensure you are getting a good deal on your rental car during any upcoming trips.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/23%20Beware%20of%20Rental%20Car%20Surprises.mp3</guid>
			<pubDate>Mon, 04 Jul 2011 16:28:39 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>summer travel tips, rental car trips, save on rental car, rental car costs</itunes:keywords>
		</item>
		<item>
			<title>Financial Tips for Seniors</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out about the wealth of resources available specifically to seniors--from tax assistance to help with healthcare costs and more.]]></description>
			<itunes:subtitle>Find out about the wealth of resources available specifically to seniors--from tax assistance to help with healthcare costs and more.</itunes:subtitle>
			<itunes:summary>Find out about the wealth of resources available specifically to seniors--from tax assistance to help with healthcare costs and more.</itunes:summary>
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			<pubDate>Mon, 27 Jun 2011 16:26:21 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tips for seniors, seniors finances, senior tax breaks, seniors taxes, Tax Guide for Seniors</itunes:keywords>
		</item>
		<item>
			<title>Financial Tips for the Self-Employed</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you are self-employed or considering going into business for yourself, keep these tips in mind to ensure you are covered financially.]]></description>
			<itunes:subtitle>If you are self-employed or considering going into business for yourself, keep these tips in mind to ensure you are covered financially.</itunes:subtitle>
			<itunes:summary>If you are self-employed or considering going into business for yourself, keep these tips in mind to ensure you are covered financially.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/21%20Financial%20Tips%20for%20the%20Self-Employed.mp3</guid>
			<pubDate>Mon, 20 Jun 2011 13:00:00 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>self-employed, self-employed finances, finances of self-employed, self-employed retirement</itunes:keywords>
		</item>
		<item>
			<title>Safeguard Your Personal Information on Vacation</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[As travel season hits, find out what you can do to ensure your finances and identity are safe while you're away from home.]]></description>
			<itunes:subtitle>As travel season hits, find out what you can do to ensure your finances and identity are safe while you're away from home.</itunes:subtitle>
			<itunes:summary>As travel season hits, find out what you can do to ensure your finances and identity are safe while you're away from home.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/20%20Safeguard%20Your%20Personal%20Information%20on%20Vacation.mp3</guid>
			<pubDate>Mon, 13 Jun 2011 12:38:55 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>identity theft, travel and identity theft, safe vacation, safe travel, travel tips, summer travel</itunes:keywords>
		</item>
		<item>
			<title>Graduating to the Real World</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[For the graduates in your life, here are the top three rules for getting off on the right financial foot after college.]]></description>
			<itunes:subtitle>For the graduates in your life, here are the top three rules for getting off on the right financial foot after college.</itunes:subtitle>
			<itunes:summary>For the graduates in your life, here are the top three rules for getting off on the right financial foot after college.</itunes:summary>
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			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/19%20Graduating%20to%20the%20Real%20World.mp3</guid>
			<pubDate>Mon, 06 Jun 2011 12:38:27 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>college finances, graduation, college credit score, job market, graduates, tips for graduates, paying off student loans</itunes:keywords>
		</item>
		<item>
			<title>Seniors: Are Medical Expenses Killing Your Budget?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[What seniors should know about government and patient assistance programs that could help ease their medical costs.]]></description>
			<itunes:subtitle>What seniors should know about government and patient assistance programs that could help ease their medical costs.</itunes:subtitle>
			<itunes:summary>What seniors should know about government and patient assistance programs that could help ease their medical costs.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/12%20Seniors_%20Are%20Medical%20Expenses%20Killing%20Your%20Budget_.mp3" type="audio/mpeg" length="1969614" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/12%20Seniors_%20Are%20Medical%20Expenses%20Killing%20Your%20Budget_.mp3</guid>
			<pubDate>Mon, 30 May 2011 11:48:57 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>drug assistance, senior health care, Medicaid, Medicare, seniors medical</itunes:keywords>
		</item>
		<item>
			<title>Before Saying &quot;I Do,&quot; Take These Financial Vows</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Wedding season is almost here. If you're planning to walk down that aisle, here are a few financial items every couple should discuss before the big day.]]></description>
			<itunes:subtitle>Wedding season is almost here. If you're planning to walk down that aisle, here are a few financial items every couple should discuss before the big day.</itunes:subtitle>
			<itunes:summary>Wedding season is almost here. If you're planning to walk down that aisle, here are a few financial items every couple should discuss before the big day.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/17%20Before%20Saying%20_I%20Do%2C_%20Take%20These%20Financial%20Vows.mp3" type="audio/mpeg" length="1969611" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/17%20Before%20Saying%20_I%20Do%2C_%20Take%20These%20Financial%20Vows.mp3</guid>
			<pubDate>Mon, 23 May 2011 12:37:30 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>wedding finances, marriage finances, marriage and student loans, marriage and debt, marriage and financial goals</itunes:keywords>
		</item>
		<item>
			<title>Home Remodeling by the Numbers</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out which home improvements are worth the money and which are unlikely to pay off.]]></description>
			<itunes:subtitle>Find out which home improvements are worth the money and which are unlikely to pay off.</itunes:subtitle>
			<itunes:summary>Find out which home improvements are worth the money and which are unlikely to pay off.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/16%20Home%20Remodeling%20by%20the%20Numbers.mp3" type="audio/mpeg" length="1969594" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/16%20Home%20Remodeling%20by%20the%20Numbers.mp3</guid>
			<pubDate>Mon, 16 May 2011 12:36:56 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>home remodeling, cost of remodeling, weatherizing, weatherization, energy costs</itunes:keywords>
		</item>
		<item>
			<title>Layoff Finances 101</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Do you know how to weather the financial challenges of a layoff? Here are a few ways to prepare for the possibility of unemployment, no matter how secure your job.]]></description>
			<itunes:subtitle>Do you know how to weather the financial challenges of a layoff? Here are a few ways to prepare for the possibility of unemployment, no matter how secure your job.</itunes:subtitle>
			<itunes:summary>Do you know how to weather the financial challenges of a layoff? Here are a few ways to prepare for the possibility of unemployment, no matter how secure your job.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/15%20Layoff%20Finances%20101.mp3" type="audio/mpeg" length="1969583" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/15%20Layoff%20Finances%20101.mp3</guid>
			<pubDate>Mon, 09 May 2011 12:36:16 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords />
		</item>
		<item>
			<title>Help Mom Plan for Retirement</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[From IRAs to social security, find out what you can ask Mom about her retirement plan this Mother's Day to ensure she's covered for the long term.]]></description>
			<itunes:subtitle>From IRAs to social security, find out what you can ask Mom about her retirement plan this Mother's Day to ensure she's covered for the long term.</itunes:subtitle>
			<itunes:summary>From IRAs to social security, find out what you can ask Mom about her retirement plan this Mother's Day to ensure she's covered for the long term.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/18%20Help%20Mom%20Plan%20for%20Retirement.mp3" type="audio/mpeg" length="1969592" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/18%20Help%20Mom%20Plan%20for%20Retirement.mp3</guid>
			<pubDate>Mon, 02 May 2011 12:38:00 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>parents finances, mom finances, mom retirement, mothers day, social security, 401(k), IRA, saving</itunes:keywords>
		</item>
		<item>
			<title>Spring Cleaning for Your Finances</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Is disorganization costing you? Find out smart, simple tricks that will make financial record keeping a breeze.]]></description>
			<itunes:subtitle>Is disorganization costing you? Find out smart, simple tricks that will make financial record keeping a breeze.</itunes:subtitle>
			<itunes:summary>Is disorganization costing you? Find out smart, simple tricks that will make financial record keeping a breeze.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/13%20Spring%20Cleaning%20for%20Your%20Finances.mp3" type="audio/mpeg" length="1969597" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/13%20Spring%20Cleaning%20for%20Your%20Finances.mp3</guid>
			<pubDate>Mon, 25 Apr 2011 11:51:25 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>financial paperwork, wills, insurance policies, organizing your finances, tax documents, financial filing</itunes:keywords>
		</item>
		<item>
			<title>Stop Giving Uncle Sam a Free Loan</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[How a big tax refund could be costing you, and what to do with the refund check you're expecting this year.]]></description>
			<itunes:subtitle>How a big tax refund could be costing you, and what to do with the refund check you're expecting this year.</itunes:subtitle>
			<itunes:summary>How a big tax refund could be costing you, and what to do with the refund check you're expecting this year.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/14%20Stop%20Giving%20Uncle%20Sam%20a%20Free%20Loan.mp3" type="audio/mpeg" length="1969597" />
			<guid>http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/14%20Stop%20Giving%20Uncle%20Sam%20a%20Free%20Loan.mp3</guid>
			<pubDate>Mon, 18 Apr 2011 12:35:21 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>tax refunds, what to do with tax refund, IRA, 401(k), W-4s, adjusting W-4</itunes:keywords>
		</item>
		<item>
			<title>Tighten Your Belt and Trim Your Debt</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[From cutting down utility costs to adjusting your insurance, these small financial changes can result in big savings.]]></description>
			<itunes:subtitle>From cutting down utility costs to adjusting your insurance, these small financial changes can result in big savings.</itunes:subtitle>
			<itunes:summary>From cutting down utility costs to adjusting your insurance, these small financial changes can result in big savings.</itunes:summary>
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			<pubDate>Mon, 11 Apr 2011 11:47:22 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>heating bill, lower utilities, debt, cutting costs, budgeting, saving</itunes:keywords>
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		<item>
			<title>Stay Connected Without Blowing Your Budget</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Discover how to shrink the cost of your landline or mobile phone, so you can stay in touch for less.]]></description>
			<itunes:subtitle>Discover how to shrink the cost of your landline or mobile phone, so you can stay in touch for less.</itunes:subtitle>
			<itunes:summary>Discover how to shrink the cost of your landline or mobile phone, so you can stay in touch for less.</itunes:summary>
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			<pubDate>Mon, 04 Apr 2011 11:46:59 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>landline, lower phone bill, long-distance, bundling Internet and phone, cable</itunes:keywords>
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		<item>
			<title>Looking for a Way to Cut Your Tax Bill?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[It's not too late to save on your 2010 taxes while boosting your retirement savings; the trick is contributing to your IRA now.]]></description>
			<itunes:subtitle>It's not too late to save on your 2010 taxes while boosting your retirement savings; the trick is contributing to your IRA now.</itunes:subtitle>
			<itunes:summary>It's not too late to save on your 2010 taxes while boosting your retirement savings; the trick is contributing to your IRA now.</itunes:summary>
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			<pubDate>Mon, 28 Mar 2011 11:46:41 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>IRA, Roth IRA, IRA and taxes, cut taxes, reduce taxes, retirement and taxes</itunes:keywords>
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		<item>
			<title>Derailed by Bankruptcy? Get Back on Track</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[If you&apos;re struggling with bankruptcy, here are a few smart ways to reestablish your credit and start to rebuild.]]></description>
			<itunes:subtitle>If you&apos;re struggling with bankruptcy, here are a few smart ways to reestablish your credit and start to rebuild.</itunes:subtitle>
			<itunes:summary>If you&apos;re struggling with bankruptcy, here are a few smart ways to reestablish your credit and start to rebuild.</itunes:summary>
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			<pubDate>Mon, 21 Mar 2011 11:44:52 -0600</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>bankruptcy, filing for bankruptcy, rebuilding credit, building credit, budgeting, saving</itunes:keywords>
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		<item>
			<title>Are You Leaving Tax Dollars on the Table?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[With tax season upon us, it pays to know how you can ensure an easier process and secure the biggest refund you can.]]></description>
			<itunes:subtitle>With tax season upon us, it pays to know how you can ensure an easier process and secure the biggest refund you can.</itunes:subtitle>
			<itunes:summary>With tax season upon us, it pays to know how you can ensure an easier process and secure the biggest refund you can.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/07%20Are%20You%20Leaving%20Tax%20Dollars%20on%20the%20Table_.mp3" type="audio/mpeg" length="1969604" />
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			<pubDate>Mon, 14 Mar 2011 11:44:27 -0600</pubDate>
			<category>Business</category>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>April 15th, tax deadline, 2010 taxes, tax preparation, tax preparers, tax refunds, IRS</itunes:keywords>
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			<title>Is a Poor Credit Score Sabotaging Your Finances?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Your three-digit credit score has a big impact on your financial future. Find out common missteps that lower your credit score, and how to get it higher.]]></description>
			<itunes:subtitle>Your three-digit credit score has a big impact on your financial future. Find out common missteps that lower your credit score, and how to get it higher.</itunes:subtitle>
			<itunes:summary>Your three-digit credit score has a big impact on your financial future. Find out common missteps that lower your credit score, and how to get it higher.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/06%20Is%20a%20Poor%20Credit%20Score%20Sabotaging%20Your%20Finances_.mp3" type="audio/mpeg" length="1969611" />
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			<pubDate>Mon, 07 Mar 2011 11:43:57 -0700</pubDate>
			<category>Business</category>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>credit score, credit scores, FICO, interest rates, insurance rates</itunes:keywords>
		</item>
		<item>
			<title>Wise Up and Stop Waiting for an Inheritance</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how to pass on financial gifts while you&apos;re still around - without triggering the federal gift tax.]]></description>
			<itunes:subtitle>Find out how to pass on financial gifts while you&apos;re still around - without triggering the federal gift tax.</itunes:subtitle>
			<itunes:summary>Find out how to pass on financial gifts while you&apos;re still around - without triggering the federal gift tax.</itunes:summary>
			<enclosure url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/05%20Wise%20Up%20and%20Stop%20Waiting%20for%20an%20Inheritance.mp3" type="audio/mpeg" length="1969606" />
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			<pubDate>Mon, 28 Feb 2011 11:40:50 -0700</pubDate>
			<category>Business</category>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>inheritance, inheritance laws 2011, retirement and inheritance, estate</itunes:keywords>
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		<item>
			<title>Death and Taxes: By the Numbers</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Find out how to pass on financial gifts while you&apos;re still around &ndash; without triggering the federal gift tax.]]></description>
			<itunes:subtitle>Find out how to pass on financial gifts while you&apos;re still around &amp;ndash; without triggering the federal gift tax.</itunes:subtitle>
			<itunes:summary>Find out how to pass on financial gifts while you&apos;re still around &amp;ndash; without triggering the federal gift tax.</itunes:summary>
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			<pubDate>Mon, 21 Feb 2011 13:01:22 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>gift taxes, gift tax rules, federal gift tax, financial gifts, monetary gift limits</itunes:keywords>
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		<item>
			<title>Is Old Man Winter Picking Your Pocket?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[There are thousands of dollars in funds available for low-income families to weatherize their homes. Could you be eligible?]]></description>
			<itunes:subtitle>There are thousands of dollars in funds available for low-income families to weatherize their homes. Could you be eligible?</itunes:subtitle>
			<itunes:summary>There are thousands of dollars in funds available for low-income families to weatherize their homes. Could you be eligible?</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/03%20Is%20Old%20Man%20Winter%20Picking%20Your%20Pocket_.mp3" length="1969601" />
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			<pubDate>Mon, 14 Feb 2011 11:40:14 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>weatherization, low-income home repairs, save on utilities, winter utilities, energy efficiency</itunes:keywords>
		</item>
		<item>
			<title>How Good is Your Retirement Game Plan?</title>
			<itunes:author>Jason Alderman, Visa Inc.</itunes:author>
			<description><![CDATA[Is your retirement savings working as hard as it should be? Start the year off right with a look at 401(k)s and your retirement plan.]]></description>
			<itunes:subtitle>Is your retirement savings working as hard as it should be? Start the year off right with a look at 401(k)s and your retirement plan.</itunes:subtitle>
			<itunes:summary>Is your retirement savings working as hard as it should be? Start the year off right with a look at 401(k)s and your retirement plan.</itunes:summary>
			<enclosure type="audio/mpeg" url="http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/episodes/iTunes/02%20How%20Good%20is%20Your%20Retirement%20Game%20Plan_.mp3" length="1969615" />
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			<pubDate>Mon, 07 Feb 2011 11:39:36 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>401(k)s, taxes and retirement, 2011 retirement, 401(k)s and taxes, Roth 401(k)</itunes:keywords>
		</item>
		<item>
			<title>Are You Setting the New Year&apos;s Resolution Bar Too High?</title>
			<itunes:author>Jason Alderman</itunes:author>
			<description><![CDATA[Start the year off on strong financial footing with these tips for boosting your savings and bettering your finances.]]></description>
			<itunes:subtitle>Start the year off on strong financial footing with these tips for boosting your savings and bettering your finances.</itunes:subtitle>
			<itunes:summary>Start the year off on strong financial footing with these tips for boosting your savings and bettering your finances.</itunes:summary>
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			<pubDate>Sun, 30 Jan 2011 06:28:56 -0700</pubDate>
			<itunes:explicit>no</itunes:explicit>
			<itunes:duration>00:01:00</itunes:duration>
			<itunes:keywords>financial goals, financial resolutions, 2011 finances, saving, budgeting</itunes:keywords>
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