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	<title>Jane Bryant Quinn</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
	<lastBuildDate>Fri, 30 Jul 2010 10:00:52 +0000</lastBuildDate>
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		<title>Thinking about a mortgage default? Beware the taxes due</title>
		<link>http://janebryantquinn.com/2010/07/thinking-about-a-mortgage-default-beware-the-taxes-due/</link>
		<comments>http://janebryantquinn.com/2010/07/thinking-about-a-mortgage-default-beware-the-taxes-due/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 10:00:52 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[debt forgiveness]]></category>
		<category><![CDATA[mortgage default]]></category>
		<category><![CDATA[Mortgage Forgiveness Debt Relief Act]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1267</guid>
		<description><![CDATA[If you walk away from a mortgage you don’t want any more, what are the consequences? I wrote about the moral and credit implications in a previous post. A reader emailed to ask about the federal tax implications. “In my state, the banks send a notice saying that you owe taxes on the unpaid debt,” [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgages Under Financial Reform: 5 Ways the Market Will Change</title>
		<link>http://janebryantquinn.com/2010/07/mortgages-under-financial-reform-5-ways-the-market-will-change/</link>
		<comments>http://janebryantquinn.com/2010/07/mortgages-under-financial-reform-5-ways-the-market-will-change/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 10:00:40 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[mortgage brokers]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[National Association of Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1260</guid>
		<description><![CDATA[The financial reform law includes tough new mortgage regulations, to stop the deceptions (and self-deceptions) that have driven millions of homeowners into foreclosure. Here&#8217;s how the market will change in 12 to 18 months, when the new rules start to take effect:
1. The fees you can be charged at closing will be capped at 3 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Elizabeth Warren Should Head the New Consumer Protection Bureau</title>
		<link>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/</link>
		<comments>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/#comments</comments>
		<pubDate>Wed, 21 Jul 2010 10:48:09 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[Elizabeth Warren]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1256</guid>
		<description><![CDATA[Harvard law professor Elizabeth Warren dreamed up the idea of a Consumer Financial Protection Bureau, which Congress authorized as part of Wall Street reform.  She campaigned for it tirelessly and understands the issues better than anyone else. She&#8217;s the most qualified person, by far, to become its first director &#8211; the one that will [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/why-elizabeth-warren-should-head-the-new-consumer-protection-bureau/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Vanguard&#8217;s Bogle: Financial Industry Puts Investors Last</title>
		<link>http://janebryantquinn.com/2010/07/vanguards-bogle-financial-industry-puts-investors-last/</link>
		<comments>http://janebryantquinn.com/2010/07/vanguards-bogle-financial-industry-puts-investors-last/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 10:00:25 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[investment costs]]></category>
		<category><![CDATA[John Bogle]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1253</guid>
		<description><![CDATA[Wall Street costs too much. &#8220;It&#8217;s an extractive industry&#8221;, says Vanguard founder John Bogle. &#8220;The investor feeds at the bottom of what is now the tremendously costly food chain of investing.&#8221;
In his new book, &#8220;Enough: True Measures of Money, Business, and Life,&#8221; he cites what might be an investment banker&#8217;s view of the national economic [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Can Tell You From Experience, Writing a Pre-Nup Is Hard</title>
		<link>http://janebryantquinn.com/2010/07/i-can-tell-you-from-experience-writing-a-pre-nup-is-hard/</link>
		<comments>http://janebryantquinn.com/2010/07/i-can-tell-you-from-experience-writing-a-pre-nup-is-hard/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 10:00:44 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1212</guid>
		<description><![CDATA[The summer wedding season isn&#8217;t just for the young. Plenty of older couples are marrying, too, which raises the rigors of the pre-nuptial agreement.
I was a widow when I remarried two Junes ago and can testify that pre-nups aren&#8217;t for sissies. They&#8217;re essential when each of you has children from a previous marriage to protect. [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The best deal in America: the target-date retirement fund</title>
		<link>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/</link>
		<comments>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 10:00:19 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[target-date funds]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1231</guid>
		<description><![CDATA[Target-date retirement funds took a bad rap during the 2008-09 market  meltdown. Some investors apparently thought that they wouldn&#8217;t lose any money in  the funds or that they were sure to be safe at the target date.
Misunderstandings like these show the need for more information about how  target funds work. The Securities and [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The worst deal in America: &#8220;Free Lunch&#8221; senior seminars</title>
		<link>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/</link>
		<comments>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 10:00:26 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[AARP]]></category>
		<category><![CDATA[free lunch]]></category>
		<category><![CDATA[free lunch monitor]]></category>
		<category><![CDATA[free-lunch seminars]]></category>
		<category><![CDATA[investment scam]]></category>
		<category><![CDATA[senior seminar]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1233</guid>
		<description><![CDATA[You say you&#8217;re too smart to get trapped by a free-lunch &#8220;senior seminar?&#8221;  Guess again. Older people with good incomes and business or professional  backgrounds are the tactic&#8217;s red meat.
You&#8217;re invited by a prominent financial firm (or what sounds like one) for an  &#8220;educational&#8221; session on, say, estate planning or improving your [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Congress sells out seniors: No SEC regulation of indexed annuities</title>
		<link>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/</link>
		<comments>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 10:00:16 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[financial reform bill]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1227</guid>
		<description><![CDATA[You can&#8217;t turn your back on Congress for a minute. Just when you think an issue will be settled in favor of investors, a Senator oozes under the door and slides a quick pro-business, anti-investor change into a bill.
That&#8217;s how the equity-indexed annuity &#8212; a costly product with a woeful past &#8212; slipped out of the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Financial reform: a big win for consumers, a big loss for investors</title>
		<link>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/</link>
		<comments>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 10:00:56 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[auto dealers]]></category>
		<category><![CDATA[auto lending]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Sarbanes-Oxley]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1221</guid>
		<description><![CDATA[Consumers won. Banks lost. That summarizes the consumer piece of the financial reform bill.
On the other part of the bill that affects individuals, my verdict flips. Investors lost, Wall Street won.
Taking the consumer side first, color me thrilled that Congress created a potentially strong Bureau of Consumer Financial Protection. When President Obama proposed it last [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/financial-reform-a-big-win-for-consumers-a-big-loss-for-investors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investor protection gets knocked out of the financial reform law</title>
		<link>http://janebryantquinn.com/2010/06/1215/</link>
		<comments>http://janebryantquinn.com/2010/06/1215/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 16:58:17 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Fudiciary duty]]></category>
		<category><![CDATA[Senator Tim Johnson]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1215</guid>
		<description><![CDATA[Senator Tim Johnson socked investors with what might be a knockout punch, during negotiations on the financial reform bill. Investor protection is down for the count. The new law, when passed, is going to leave you out.
Johnson, a South Dakota Democrat, laughs at the concept of “fiduciary duty”—the idea that people who advise you on [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/06/1215/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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