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	<title>Moneyland &#187; Gary Belsky &#38; Tom Gilovich</title>
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	<description>Financial Insights from Your Wallet to Wall Street</description>
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		<title>Moneyland &#187; Gary Belsky &#38; Tom Gilovich</title>
		<link>http://moneyland.time.com</link>
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		<title>What Class Divide? Rich and Poor, Red and Blue Agree on Wealth Distribution</title>
		<link>http://moneyland.time.com/2012/04/03/what-class-divide-survey-shows-remarkable-agreement-on-wealth-distribution-among-rich-and-poor-left-and-right/</link>
		<comments>http://moneyland.time.com/2012/04/03/what-class-divide-survey-shows-remarkable-agreement-on-wealth-distribution-among-rich-and-poor-left-and-right/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 13:00:43 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Tax Policy]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[class divide]]></category>
		<category><![CDATA[class warfare]]></category>
		<category><![CDATA[income inequality]]></category>
		<category><![CDATA[tax policy]]></category>
		<category><![CDATA[Wealth distribution]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=36461</guid>
		<description><![CDATA[What’s an acceptable level of income inequality in America? Some surprising insight into this complex question comes from a remarkable recent study by Michael Norton of the Harvard Business School and Dan Ariely of Duke University. You might be surprised by the results, whatever your political persuasion or net worth.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=36461&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<item>
		<title>It&#8217;s Not You, Honey, It&#8217;s the GDP: Why a Bad Economy Is Good for Marriages</title>
		<link>http://moneyland.time.com/2012/03/16/its-not-you-honey-its-the-gdp-why-a-bad-economy-is-good-for-marriages/</link>
		<comments>http://moneyland.time.com/2012/03/16/its-not-you-honey-its-the-gdp-why-a-bad-economy-is-good-for-marriages/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 16:30:52 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[consumer finance]]></category>
		<category><![CDATA[families & children]]></category>
		<category><![CDATA[family finances]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=35277</guid>
		<description><![CDATA[Recent research suggests that a major, news-making  recession can actually be good for marriages.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=35277&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/03/16/its-not-you-honey-its-the-gdp-why-a-bad-economy-is-good-for-marriages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">kiss</media:title>
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		<item>
		<title>License To Sin: When Good Behavior Leads To Bad Results</title>
		<link>http://moneyland.time.com/2012/02/29/license-to-sin-when-good-behavior-leads-to-bad-results/</link>
		<comments>http://moneyland.time.com/2012/02/29/license-to-sin-when-good-behavior-leads-to-bad-results/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 13:00:11 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[consumer behavior]]></category>
		<category><![CDATA[Consumer Spending]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[licensing effect]]></category>
		<category><![CDATA[marginal propensity to consumer]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[Smart Spending]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=34041</guid>
		<description><![CDATA[Recent research involving smokers reminds us that good behavior can sometimes lead to bad outcomes—not least when it comes to money.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=34041&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">ml_good_bad_behavior_0227</media:title>
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		<item>
		<title>The Secret to Memorable Vacations: Keep ’Em Short and End ’Em Sweet</title>
		<link>http://moneyland.time.com/2012/02/15/the-secret-to-memorable-vacations-keep-em-short-and-end-em-sweet/</link>
		<comments>http://moneyland.time.com/2012/02/15/the-secret-to-memorable-vacations-keep-em-short-and-end-em-sweet/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 13:00:22 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[consumer finance]]></category>
		<category><![CDATA[Daniel Kahneman]]></category>
		<category><![CDATA[experimentalism]]></category>
		<category><![CDATA[materialism]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[Vacation]]></category>
		<category><![CDATA[vacation planning]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=32419</guid>
		<description><![CDATA[Research tells us that people experience more fully—and remember more fondly—the last things they do on vacation.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=32419&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/02/15/the-secret-to-memorable-vacations-keep-em-short-and-end-em-sweet/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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			<media:title type="html">vaca</media:title>
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			<media:title type="html">timepsychologyofmoney</media:title>
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		<item>
		<title>Why (Bill) Size Really Does Matter</title>
		<link>http://moneyland.time.com/2012/01/26/why-bill-size-really-does-matter/</link>
		<comments>http://moneyland.time.com/2012/01/26/why-bill-size-really-does-matter/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 13:00:38 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[consumer finance]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[Denominations]]></category>
		<category><![CDATA[Mental Accounting]]></category>
		<category><![CDATA[New York]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[Tourism]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=30448</guid>
		<description><![CDATA[New research reveals that the kind of cash we carry around with us affects how generous or thrifty we are when we spend money.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=30448&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/01/26/why-bill-size-really-does-matter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Mehmed Zelkovic / Getty Images </mediaCredit>
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			<media:title type="html">Bucks</media:title>
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		<item>
		<title>5 Tricks To Make Your New Year&#8217;s Resolutions Stick</title>
		<link>http://moneyland.time.com/2012/01/03/5-tricks-to-make-your-new-years-resolutions-stick/</link>
		<comments>http://moneyland.time.com/2012/01/03/5-tricks-to-make-your-new-years-resolutions-stick/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 12:00:46 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Career Strategies]]></category>
		<category><![CDATA[Careers & Workplace]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[2012]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[New Year's]]></category>
		<category><![CDATA[New Year's resolutions]]></category>
		<category><![CDATA[resolutions]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=29170</guid>
		<description><![CDATA[A new year, a new batch of resolutions. Alas, these promises to ourselves, undoubtedly heartfelt, rarely produce long-lasting results. Worse, failed resolutions could be harmful if they lead to depression, self-loathing or what we might call "boomerang behavior." With this in mind, we assembled five pieces of advice, gleaned from behavioral economics and related fields, that might help you make this year's resolutions a little stickier.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=29170&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">New Year&#039;s</media:title>
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		<item>
		<title>The Blackberry Moral (Or: The Trouble With Too Many Options)</title>
		<link>http://moneyland.time.com/2011/12/21/another-reason-rim-is-ailing-the-trouble-with-too-many-options/</link>
		<comments>http://moneyland.time.com/2011/12/21/another-reason-rim-is-ailing-the-trouble-with-too-many-options/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 14:23:56 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[Blackberry]]></category>
		<category><![CDATA[Choice Conflict]]></category>
		<category><![CDATA[phones]]></category>
		<category><![CDATA[Research in Motion]]></category>
		<category><![CDATA[RIM]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=28659</guid>
		<description><![CDATA[Most people are attracted to choice; the more options the better. But research tells us that too much choice makes it harder for us to choose—and less satisfying after we do.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=28659&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/12/21/another-reason-rim-is-ailing-the-trouble-with-too-many-options/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>RIM</mediaCredit>
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			<media:title type="html">Blackberrys</media:title>
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			<media:title type="html">timepsychologyofmoney</media:title>
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		<item>
		<title>Why You Should Shop For Cars When You&#8217;re Grumpy</title>
		<link>http://moneyland.time.com/2011/12/15/why-you-should-shop-for-cars-when-youre-grumpy/</link>
		<comments>http://moneyland.time.com/2011/12/15/why-you-should-shop-for-cars-when-youre-grumpy/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 15:00:39 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[cars]]></category>
		<category><![CDATA[Consumer Spending]]></category>
		<category><![CDATA[emotions]]></category>
		<category><![CDATA[Evolutionary Psychology]]></category>
		<category><![CDATA[Mood]]></category>
		<category><![CDATA[psychology]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=28016</guid>
		<description><![CDATA[New research reveals how our moods, good and bad, can increase our willingness to spend more for certain products and services—and less for others.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=28016&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/12/15/why-you-should-shop-for-cars-when-youre-grumpy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
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			<media:title type="html">Angry Guy</media:title>
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		<title>A Better Way To Pay Off Debts</title>
		<link>http://moneyland.time.com/2011/12/08/a-better-way-to-pay-off-debts/</link>
		<comments>http://moneyland.time.com/2011/12/08/a-better-way-to-pay-off-debts/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 12:00:05 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Paying Off Debt]]></category>
		<category><![CDATA[psychology]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=27360</guid>
		<description><![CDATA[A new study shows that we have debt account aversion, a strong preference to pay off smaller debts first, even when it makes more sense to pay down larger balances on loans with higher interest rates.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=27360&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/12/08/a-better-way-to-pay-off-debts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Nicholas Eveleigh / Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/12/smokingmoney.png?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/12/smokingmoney.png?w=240" medium="image">
			<media:title type="html">Smoking Money</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
	</item>
		<item>
		<title>What Darwin Can Tell Us About Black Friday</title>
		<link>http://moneyland.time.com/2011/11/30/what-darwin-might-tell-us-about-black-friday/</link>
		<comments>http://moneyland.time.com/2011/11/30/what-darwin-might-tell-us-about-black-friday/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 10:00:37 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Adam Smith]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[Black Thursday]]></category>
		<category><![CDATA[Charles Darwin]]></category>
		<category><![CDATA[Competition]]></category>
		<category><![CDATA[Consumer Spending]]></category>
		<category><![CDATA[Natural Selection]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=26781</guid>
		<description><![CDATA[The seeming economic success of this year's Black Friday-But-Really-Thursday got us wondering what we as a country have gained in terms of what psychologists often term well-being, i.e., happiness.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=26781&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/11/30/what-darwin-might-tell-us-about-black-friday/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/11/a134097834.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/11/a134097834.jpg?w=240" medium="image">
			<media:title type="html">Darwin and Black Friday</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
	</item>
		<item>
		<title>Attention Holiday Shoppers: Plastic Hurts—Then Hurts Again!</title>
		<link>http://moneyland.time.com/2011/11/25/attention-holiday-shoppers-plastic-hurts-then-hurts-again/</link>
		<comments>http://moneyland.time.com/2011/11/25/attention-holiday-shoppers-plastic-hurts-then-hurts-again/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 14:22:50 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[Drazen Prelec]]></category>
		<category><![CDATA[Duncan Simester]]></category>
		<category><![CDATA[holiday shopping]]></category>
		<category><![CDATA[Mental Accounting]]></category>
		<category><![CDATA[Richard Thaler]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=26672</guid>
		<description><![CDATA[The real holiday shopping blunder isn't starting to spend too early, but spending the wrong way. And it can hurt you twice over.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=26672&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/11/25/attention-holiday-shoppers-plastic-hurts-then-hurts-again/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/09/cutupcards.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/09/cutupcards.jpg?w=240" medium="image">
			<media:title type="html">Credit Card Pieces</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
	</item>
		<item>
		<title>Why You&#8217;re Probably Financially Better Off Than You Feel</title>
		<link>http://moneyland.time.com/2011/10/28/why-youre-probably-financially-better-off-than-you-feel/</link>
		<comments>http://moneyland.time.com/2011/10/28/why-youre-probably-financially-better-off-than-you-feel/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 11:00:12 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[availability]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[consumer finance]]></category>
		<category><![CDATA[consumer sentiment]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[food prices]]></category>
		<category><![CDATA[gas prices]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Man Bites Dog]]></category>
		<category><![CDATA[median income]]></category>
		<category><![CDATA[Mental Shortcuts]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=23855</guid>
		<description><![CDATA[There's no simple answer, of course, but in one important way the explanation is right before your eyes.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=23855&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/10/smileyballoon.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/10/smileyballoon.jpg?w=240" medium="image">
			<media:title type="html">Smiley Balloon</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
	</item>
		<item>
		<title>One More Reason It Pays To Switch Banks</title>
		<link>http://moneyland.time.com/2011/10/20/one-more-reason-it-pays-to-switch-banks/</link>
		<comments>http://moneyland.time.com/2011/10/20/one-more-reason-it-pays-to-switch-banks/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 12:00:12 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[brands]]></category>
		<category><![CDATA[Buick]]></category>
		<category><![CDATA[Loyal Customer]]></category>
		<category><![CDATA[Loyalty]]></category>
		<category><![CDATA[Mercedes]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=22777</guid>
		<description><![CDATA[Recent media focus concerning the price of brand loyalty—sparked in part by Bank of America&#8217;s decision to start charging fees for debit card users—recalls some interesting research from a few years back that suggests there&#8217;s good reason for you to consider switching brands more often. Because it&#8217;s not just greedy companies who punish loyal customers. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=22777&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<mediaCredit>Illustration by Alexander Ho; Getty Images </mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/10/redarrows.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/10/redarrows.jpg?w=240" medium="image">
			<media:title type="html">Switching Banks</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
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		<item>
		<title>Struggling for Investment Answers? It Helps To Reframe The Question</title>
		<link>http://moneyland.time.com/2011/10/12/struggling-for-investment-answers-it-helps-to-reframe-the-question/</link>
		<comments>http://moneyland.time.com/2011/10/12/struggling-for-investment-answers-it-helps-to-reframe-the-question/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 13:45:38 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Framing Effect]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[Treasuries]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=21876</guid>
		<description><![CDATA[Tom ran a public opinion survey a while back where some of the respondents were asked if they believed they could save 20% of their income. Only half said yes. But when the other respondents were asked if they thought they could live on 80% of their income, nearly eight out of 10 said they [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=21876&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<mediaCredit>Photo-Illustration by Alexander Ho for TIME; Frame: Getty Images </mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/10/twoheadwashington.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/10/twoheadwashington.jpg?w=240" medium="image">
			<media:title type="html">Frame</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
	</item>
		<item>
		<title>Why You Shouldn&#8217;t Buy Winter Clothes in Winter</title>
		<link>http://moneyland.time.com/2011/09/23/why-you-shouldnt-buy-winter-clothes-in-winter/</link>
		<comments>http://moneyland.time.com/2011/09/23/why-you-shouldnt-buy-winter-clothes-in-winter/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 12:00:31 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Devin Pope]]></category>
		<category><![CDATA[Gary Belsky]]></category>
		<category><![CDATA[Jaren Pope]]></category>
		<category><![CDATA[Mind Over Money]]></category>
		<category><![CDATA[projection bias]]></category>
		<category><![CDATA[tom gilovitch]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=18932</guid>
		<description><![CDATA[We've noted before that many decisions would be improved with even a short amount of deliberation and discussion with knowledgeable and disinterested friends. But some brand-new research suggests that doing so will save you even more money than we suspected.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=18932&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/09/23/why-you-shouldnt-buy-winter-clothes-in-winter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCaption><![CDATA[Snowy Girl]]></mediaCaption>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/09/winter.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/09/winter.jpg?w=240" medium="image">
			<media:title type="html">winter</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
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		<item>
		<title>Got the Post-Vacation Blues? Don&#8217;t Worry—You&#8217;ll Get Used to Them!</title>
		<link>http://moneyland.time.com/2011/09/07/got-the-post-vacation-blues-dont-worry%e2%80%94youll-get-used-to-them/</link>
		<comments>http://moneyland.time.com/2011/09/07/got-the-post-vacation-blues-dont-worry%e2%80%94youll-get-used-to-them/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 11:00:50 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Adaptation]]></category>
		<category><![CDATA[Back to Work]]></category>
		<category><![CDATA[Summer Vacation]]></category>
		<category><![CDATA[Vacation]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=17112</guid>
		<description><![CDATA[As vacation season ends for many of us — bringing, for some, a sense of dread about the return to workday (if not actual employment) routines — we thought we&#8217;d offer a bit of encouragement, which might also help you make the most of a wide range of life&#8217;s choices, financial and otherwise. But to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=17112&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/09/headinfiles.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/09/headinfiles.jpg?w=240" medium="image">
			<media:title type="html">Head in Filing Cabinet</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>

		<media:content url="http://timecheapskate.wordpress.com/wp-includes/js/tinymce/plugins/wordpress/img/trans.gif" medium="image">
			<media:title type="html">More...</media:title>
		</media:content>
	</item>
		<item>
		<title>Experts Don&#8217;t Always Have Expertise</title>
		<link>http://moneyland.time.com/2011/08/24/financial-experts-dont-always-have-expertise/</link>
		<comments>http://moneyland.time.com/2011/08/24/financial-experts-dont-always-have-expertise/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 12:00:47 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Experts]]></category>
		<category><![CDATA[Opinions]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[Pundits]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=16186</guid>
		<description><![CDATA[We hear a lot of economy-related questions lately along the lines of, "How do I know who to believe?" It's a good question, and relevant not just in personal finance. But the problem is that we tend to follow the most sure-minded among us, regardless of how reliable we know their views to be.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=16186&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/08/24/financial-experts-dont-always-have-expertise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Yamada Taro / Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/08/experts.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/08/experts.jpg?w=240" medium="image">
			<media:title type="html">Confused Businessman</media:title>
		</media:content>

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			<media:title type="html">timepsychologyofmoney</media:title>
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		<title>The Upside Of Down Markets? People Grow Closer</title>
		<link>http://moneyland.time.com/2011/08/15/the-upside-of-down-markets-people-grow-closer/</link>
		<comments>http://moneyland.time.com/2011/08/15/the-upside-of-down-markets-people-grow-closer/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 09:00:47 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=14622</guid>
		<description><![CDATA[There are so many commentators stressing the very obvious, very real and very important downside of the recent market tilt that in this Mind Over Money post we’ve decided to risk looking hopelessly naive by discussing an overlooked upside. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=14622&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/08/15/the-upside-of-down-markets-people-grow-closer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/08/guyincorner.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/08/guyincorner.jpg?w=240" medium="image">
			<media:title type="html">Guy in Corner</media:title>
		</media:content>

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			<media:title type="html">timepsychologyofmoney</media:title>
		</media:content>
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		<title>Don&#8217;t Panic! For Most of Us, This Market Sell-off Is a Buying Opportunity</title>
		<link>http://moneyland.time.com/2011/08/05/dont-panic-for-most-of-us-this-market-sell-off-is-a-buying-opportunity/</link>
		<comments>http://moneyland.time.com/2011/08/05/dont-panic-for-most-of-us-this-market-sell-off-is-a-buying-opportunity/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 09:00:35 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Portfolio Strategy]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[Bear Market]]></category>
		<category><![CDATA[Braveheart]]></category>
		<category><![CDATA[Bull Market]]></category>
		<category><![CDATA[Selling Stocks]]></category>
		<category><![CDATA[Stock Market Down]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=13941</guid>
		<description><![CDATA[The dramatic stock market sell-off of the past two weeks puts us in mind of a scene in Braveheart. After Thursday's carnage, there are real lessons in it for modern investors.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=13941&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/08/05/dont-panic-for-most-of-us-this-market-sell-off-is-a-buying-opportunity/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Ben Hider / Getty Images</mediaCredit><mediaCaption><![CDATA[Don't get trigger-happy in today's volatile stock market.]]></mediaCaption>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/08/wallstreetman.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/08/wallstreetman.jpg?w=240" medium="image">
			<media:title type="html">Wall Street</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
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		<item>
		<title>The Folly Of Trying To Time The Market</title>
		<link>http://moneyland.time.com/2011/07/29/the-folly-of-trying-to-time-the-marke/</link>
		<comments>http://moneyland.time.com/2011/07/29/the-folly-of-trying-to-time-the-marke/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 11:00:28 +0000</pubDate>
		<dc:creator>Gary Belsky &#38; Tom Gilovich</dc:creator>
				<category><![CDATA[Decision Making]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Portfolio Strategy]]></category>
		<category><![CDATA[Psychology of Money]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Bear Market]]></category>
		<category><![CDATA[Bull Market]]></category>
		<category><![CDATA[Buy Low Sell High]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Timing the Market]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=12862</guid>
		<description><![CDATA[The old adage of "Sell high! Buy low!" is fine except for two points: it’s a fool’s game and there’s a huge cost to trying.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=12862&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2011/07/29/the-folly-of-trying-to-time-the-marke/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/07/stockmarkettiming.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/07/stockmarkettiming.jpg?w=240" medium="image">
			<media:title type="html">Stock Market Timing</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/d31c9a29cf2c934ce637f36c34da44a3?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">timepsychologyofmoney</media:title>
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