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	<title>Experiments in Finance &#187; Personal finance</title>
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	<link>http://www.experiglot.com</link>
	<description>Because you shouldn&#039;t need an MBA to be savvy about finance and business</description>
	<lastBuildDate>Mon, 06 Feb 2012 17:24:06 +0000</lastBuildDate>
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		<title>How Regimented Should Your Life Be?</title>
		<link>http://www.experiglot.com/2012/02/06/how-regimented-should-your-life-be/</link>
		<comments>http://www.experiglot.com/2012/02/06/how-regimented-should-your-life-be/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 17:24:06 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2535</guid>
		<description><![CDATA[Some people claim life should be as spontaneous as possible&#8212;that to rip the spontaneity out of life is to also rip out the very essence of life.  Other people promote the regimented life.  They argue that humans function best when they are able to stick to a set schedule. I have experience with both such lifestyles. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Whether to Hire an Employee or Not</title>
		<link>http://www.experiglot.com/2012/01/11/whether-to-hire-an-employee-or-not/</link>
		<comments>http://www.experiglot.com/2012/01/11/whether-to-hire-an-employee-or-not/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 13:13:14 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Business & entrepreneurship]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2450</guid>
		<description><![CDATA[I&#8217;m now almost four months in to my new business.  As my last post indicated, sometimes business is slow.  But so far, the profits have increased steadily each month.  I am currently the only employee of my professional services business.  I don&#8217;t have enough work where I could afford someone full-time, but I might be [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
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		<title>What to do When Business Is Slow</title>
		<link>http://www.experiglot.com/2012/01/02/what-to-do-when-business-is-slow/</link>
		<comments>http://www.experiglot.com/2012/01/02/what-to-do-when-business-is-slow/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 15:29:51 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2469</guid>
		<description><![CDATA[As a new business owner, I find my business generation thus far to be very cyclical.  Things are always boom or bust, rather than in a happy medium.  During the boom times, I get nervous that I need to hire an employee or that I won&#8217;t be able to complete the work on time.  During [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Fear the Experts</title>
		<link>http://www.experiglot.com/2011/12/26/fear-the-experts/</link>
		<comments>http://www.experiglot.com/2011/12/26/fear-the-experts/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 15:43:27 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Value investing]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2465</guid>
		<description><![CDATA[In the 1980&#8242;s, a prominent U.S. magazine predicted the &#8220;Death of the Stock Market.&#8221;  It was written during a major downturn in the U.S. and global economies.  It was also written right before a major economic recovery that would last for years.  If you had heeded the warning of the &#8220;experts&#8221; and sold at that [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What Is the Most Productive Type of Reading?</title>
		<link>http://www.experiglot.com/2011/12/19/what-is-the-most-productive-type-of-reading/</link>
		<comments>http://www.experiglot.com/2011/12/19/what-is-the-most-productive-type-of-reading/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 18:41:49 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2448</guid>
		<description><![CDATA[I&#8217;ve been really into reading lately. For years (while I was in graduate school), I found it difficult to read outside the classroom.  Growing up I was an avid reader of just about anything I could get my hands on, but college&#8211;and to a much greater extent, graduate school&#8212;changed that.  I was so burnt out [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Occupy Personal Finance</title>
		<link>http://www.experiglot.com/2011/11/28/occupy-personal-finance/</link>
		<comments>http://www.experiglot.com/2011/11/28/occupy-personal-finance/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 10:00:29 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2388</guid>
		<description><![CDATA[A Commentary If you follow the news, it seems like you can&#8217;t avoid the Occupy Wall Street movement.  Is it mob behavior, or merely an expression of freedom of speech?  The truth of course is probably somewhere in the vast middle.  What upsets me about the movement, however, is the Robin Hood Fallacy that it [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest Deficit Disorder</title>
		<link>http://www.experiglot.com/2011/11/21/interest-deficit-disorder/</link>
		<comments>http://www.experiglot.com/2011/11/21/interest-deficit-disorder/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 10:00:58 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2391</guid>
		<description><![CDATA[There&#8217;s an issue that seems to inflict every man in my family (although in a Simpons-type twist, the women are spared)&#8211;my term for it is interest deficit disorder.  You see, we can&#8217;t be satisfied with just one hobby or interest.  Instead, we must collect them throughout our lives.  Maybe our hobby is the collection of hobbies? [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Dual Expenditure Phenomenon</title>
		<link>http://www.experiglot.com/2011/08/22/the-dual-expenditure-phenomenon/</link>
		<comments>http://www.experiglot.com/2011/08/22/the-dual-expenditure-phenomenon/#comments</comments>
		<pubDate>Mon, 22 Aug 2011 13:45:54 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2219</guid>
		<description><![CDATA[Duel Splurges With Your Significant Other When it comes to personal finances, duel splurging tradeoffs between you and your significant other can be a huge mistake. But what do I mean by making &#8220;tradeoffs&#8221; with your significant other? I mean this: &#8220;You can buy X if I can buy Y.&#8221; As in, &#8220;you can buy [...]]]></description>
		<wfw:commentRss>http://www.experiglot.com/2011/08/22/the-dual-expenditure-phenomenon/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wall Street Panic Attack</title>
		<link>http://www.experiglot.com/2011/08/10/wall-street-panic-attack/</link>
		<comments>http://www.experiglot.com/2011/08/10/wall-street-panic-attack/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 13:44:38 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Current events]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2253</guid>
		<description><![CDATA[This week, the global economies survived the United States debt fiasco only for markets to plunge off the proverbial cliff this Thursday.  Most markets, including the United States&#8217; S&#38;P 500 and the Dow Jones Industrial average, were down 3-5%.  Talks of a double-dip recession or an outright depression increased.  But how bad are things, really? [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Finance Advice I Hate</title>
		<link>http://www.experiglot.com/2011/08/02/personal-finance-advice-i-hate/</link>
		<comments>http://www.experiglot.com/2011/08/02/personal-finance-advice-i-hate/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 00:56:41 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2216</guid>
		<description><![CDATA[I majored in English, not finance.  My graduate school degree only touches upon finance.  Other than the fact that I&#8217;ve read hundreds of personal finance books and written some 500+ posts on personal finance topics, I have no true expertise.  In other words, you might disagree with my list below.  That&#8217;s fine, because again, I [...]]]></description>
		<wfw:commentRss>http://www.experiglot.com/2011/08/02/personal-finance-advice-i-hate/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Paying Down The Mortgage Vs Investing</title>
		<link>http://www.experiglot.com/2011/06/28/paying-down-the-mortgage-vs-investing/</link>
		<comments>http://www.experiglot.com/2011/06/28/paying-down-the-mortgage-vs-investing/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 10:00:07 +0000</pubDate>
		<dc:creator>pc</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2169</guid>
		<description><![CDATA[&#160; I know this is an eternal debate: should you pay off your debts or invest your money? Since the most important debt that you can have is your mortgage, we will take a look at what are the impacts of paying down your mortgage faster or using your extra cash flow to invest. If [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Personal Finance Periodic Table</title>
		<link>http://www.experiglot.com/2011/06/27/the-personal-finance-periodic-table/</link>
		<comments>http://www.experiglot.com/2011/06/27/the-personal-finance-periodic-table/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 21:27:36 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2157</guid>
		<description><![CDATA[It&#8217;s time for a personal finance &#8220;chemistry&#8221; experiment.  This is &#8220;Experiments in Finance,&#8221; after all.  No matter how much we know about personal finance, it is sometimes helpful to go back to the basics and think about the core values and systems that will provide the overarching framework for personal finance and career success.  Using [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get Angry and Stay Angry: A One Week Guide for Raging Your Way to Personal Finance Success</title>
		<link>http://www.experiglot.com/2011/06/20/get-angry-and-stay-angry-a-one-week-guide-for-raging-your-way-to-personal-finance-success/</link>
		<comments>http://www.experiglot.com/2011/06/20/get-angry-and-stay-angry-a-one-week-guide-for-raging-your-way-to-personal-finance-success/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 08:42:01 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2153</guid>
		<description><![CDATA[One week from today I want your life to be totally different. It&#8217;s a bold proposition, but I think it&#8217;s more than possible. How are you going to get there? Through pure, unadulterated rage. It&#8217;s time to go all Hulk-like on your personal finances. It&#8217;s time to climb to a window and shout at your [...]]]></description>
		<wfw:commentRss>http://www.experiglot.com/2011/06/20/get-angry-and-stay-angry-a-one-week-guide-for-raging-your-way-to-personal-finance-success/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Paying for Your Self-Improvement</title>
		<link>http://www.experiglot.com/2011/06/15/paying-for-your-self-improvement/</link>
		<comments>http://www.experiglot.com/2011/06/15/paying-for-your-self-improvement/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 23:41:35 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Tips for saving money]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2141</guid>
		<description><![CDATA[It seems like working towards self-improvement is one of the most expensive things people spend money on&#8211;and yet people rarely if ever talk about how costly paying for self-improvement can be.  The gurus are silent&#8211;perhaps because they&#8217;re in the self-improvement business. Almost anything we classify as &#8220;improving ourselves&#8221; can come with a price&#8211;and sometimes a [...]]]></description>
		<wfw:commentRss>http://www.experiglot.com/2011/06/15/paying-for-your-self-improvement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The $100.00 &#8220;Swing&#8221;</title>
		<link>http://www.experiglot.com/2011/06/06/the-100-00-swing/</link>
		<comments>http://www.experiglot.com/2011/06/06/the-100-00-swing/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 08:49:05 +0000</pubDate>
		<dc:creator>Chris Thomas</dc:creator>
				<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Tips for saving money]]></category>

		<guid isPermaLink="false">http://www.experiglot.com/?p=2127</guid>
		<description><![CDATA[Want the extra money to buy a new car every few years?  How about extra money to go on a nice vacation each year?  Could an extra $5,000 each year come in handy for you?  Of course.  But how hard is it to make that a reality?  Actually, not very hard at all.  You just [...]]]></description>
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		<slash:comments>3</slash:comments>
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