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	<title>Comments on: Fixing My Finances: My Various Accounts (Part 3)</title>
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	<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/</link>
	<description>Debt Reduction Rocks - We Are Living Debt Free!</description>
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		<title>By: Jim</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-175179</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Thu, 10 Sep 2009 16:35:01 +0000</pubDate>
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		<description>I really like some of the changes you have outlined.</description>
		<content:encoded><![CDATA[<p>I really like some of the changes you have outlined.</p>
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		<title>By: anonymous</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-6778</link>
		<dc:creator>anonymous</dc:creator>
		<pubDate>Thu, 12 Apr 2007 15:42:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-6778</guid>
		<description>good job on the roth ira.. i opened one in 2006 as well.. my only regret is not opening one earlier

my problem now is whether to make contributions monthly / quarterly / or all at once (4k).. that&#039;s the tough part.. not sure which choice will compound the highest for me</description>
		<content:encoded><![CDATA[<p>good job on the roth ira.. i opened one in 2006 as well.. my only regret is not opening one earlier</p>
<p>my problem now is whether to make contributions monthly / quarterly / or all at once (4k).. that&#8217;s the tough part.. not sure which choice will compound the highest for me</p>
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		<title>By: No Credit Needed &#187; Blog Archive &#187; Carnival of Personal Finance #94 Hosted By No Credit Needed</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4727</link>
		<dc:creator>No Credit Needed &#187; Blog Archive &#187; Carnival of Personal Finance #94 Hosted By No Credit Needed</dc:creator>
		<pubDate>Mon, 02 Apr 2007 11:26:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4727</guid>
		<description>[...] Goals and Planning Blunt Money Personal Finance Advice No Credit Needed Information Age Education Wealth Building Lessons Plonkee Money Canadian Financial Stuff 360 [...]</description>
		<content:encoded><![CDATA[<p>[...] Goals and Planning Blunt Money Personal Finance Advice No Credit Needed Information Age Education Wealth Building Lessons Plonkee Money Canadian Financial Stuff 360 [...]</p>
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		<title>By: Tim</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4586</link>
		<dc:creator>Tim</dc:creator>
		<pubDate>Sun, 01 Apr 2007 16:31:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4586</guid>
		<description>one thing we&#039;ve done and i&#039;d recommend, is to have joint and individual accounts.  individual in order to maintain credit histories for both of you, in case something happens to either one of you.

we have joint savings and checking account, but we have separate checking and brokerage accounts and of course IRA accounts.  now the bank we use, USAA, allows you to group individual accounts if you are married in order to meet minimums for things like asset management accounts, which is the best of both worlds in terms of being able to have individual accounts but the benefits of joint (i.e. grouping all deposits to meet minimums).</description>
		<content:encoded><![CDATA[<p>one thing we&#8217;ve done and i&#8217;d recommend, is to have joint and individual accounts.  individual in order to maintain credit histories for both of you, in case something happens to either one of you.</p>
<p>we have joint savings and checking account, but we have separate checking and brokerage accounts and of course IRA accounts.  now the bank we use, USAA, allows you to group individual accounts if you are married in order to meet minimums for things like asset management accounts, which is the best of both worlds in terms of being able to have individual accounts but the benefits of joint (i.e. grouping all deposits to meet minimums).</p>
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		<title>By: Monty Loree</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4464</link>
		<dc:creator>Monty Loree</dc:creator>
		<pubDate>Sat, 31 Mar 2007 13:57:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4464</guid>
		<description>Hey NCN,
We&#039;ve had kind of a serious situation going on over at my site: I was going to ask for some help from the personal finance bloggers to spread the work.

SEE: http://www.prweb.com/releases/2007/3/prweb514902.htm

I sent out a press release to notify Canadians of a potential bogus demand letter scam.

After a few postings on our forum about Deanna Natale and Natale Law Office in Feb-Mar 2007, there were hundreds of visits to our site from others who were presumably receiving the same letters.

In the press release I&#039;ve included some tips as to what people can do to determine if they&#039;ve actually received a bogus demand letter.

If you could write a small alert in your main area, it would be much appreciated.
http://www.canadian-money-advisor.ca</description>
		<content:encoded><![CDATA[<p>Hey NCN,<br />
We&#8217;ve had kind of a serious situation going on over at my site: I was going to ask for some help from the personal finance bloggers to spread the work.</p>
<p>SEE: <a href="http://www.prweb.com/releases/2007/3/prweb514902.htm" rel="nofollow">http://www.prweb.com/releases/2007/3/prweb514902.htm</a></p>
<p>I sent out a press release to notify Canadians of a potential bogus demand letter scam.</p>
<p>After a few postings on our forum about Deanna Natale and Natale Law Office in Feb-Mar 2007, there were hundreds of visits to our site from others who were presumably receiving the same letters.</p>
<p>In the press release I&#8217;ve included some tips as to what people can do to determine if they&#8217;ve actually received a bogus demand letter.</p>
<p>If you could write a small alert in your main area, it would be much appreciated.<br />
<a href="http://www.canadian-money-advisor.ca" rel="nofollow">http://www.canadian-money-advisor.ca</a></p>
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		<title>By: Beachgirl</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4360</link>
		<dc:creator>Beachgirl</dc:creator>
		<pubDate>Fri, 30 Mar 2007 21:44:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4360</guid>
		<description>Who do you have your Roth IRA with?  I am thinking of opening one and I have checked out some of the different companies that do them, but I&#039;m looking for suggestions from people that have one.  What do you like about yours? Dislike?  Thanks!!!</description>
		<content:encoded><![CDATA[<p>Who do you have your Roth IRA with?  I am thinking of opening one and I have checked out some of the different companies that do them, but I&#8217;m looking for suggestions from people that have one.  What do you like about yours? Dislike?  Thanks!!!</p>
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		<title>By: Sid</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4350</link>
		<dc:creator>Sid</dc:creator>
		<pubDate>Fri, 30 Mar 2007 19:31:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4350</guid>
		<description>Hi NCN,
Thanks for the article.
I recently became a father and I am thinking about opening a ESA for my daughter. 
I&#039;m new to the whole personal finance and working hard to get rid of my creditcard debt.
Although I might wait until my debt is paid to open an ESA account, I&#039;m starting to do some research on it. What are the options in opening an ESA account, any pointers will be very helpful.

Thanks.</description>
		<content:encoded><![CDATA[<p>Hi NCN,<br />
Thanks for the article.<br />
I recently became a father and I am thinking about opening a ESA for my daughter.<br />
I&#8217;m new to the whole personal finance and working hard to get rid of my creditcard debt.<br />
Although I might wait until my debt is paid to open an ESA account, I&#8217;m starting to do some research on it. What are the options in opening an ESA account, any pointers will be very helpful.</p>
<p>Thanks.</p>
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		<title>By: NCN</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4341</link>
		<dc:creator>NCN</dc:creator>
		<pubDate>Fri, 30 Mar 2007 18:24:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4341</guid>
		<description>Moneymonk... I have a 403b and my wife has a pension plan.  I do not include these b/c they are pre-tax.  I&#039;ll probably add this info to the post later.  Thanks!</description>
		<content:encoded><![CDATA[<p>Moneymonk&#8230; I have a 403b and my wife has a pension plan.  I do not include these b/c they are pre-tax.  I&#8217;ll probably add this info to the post later.  Thanks!</p>
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		<title>By: Moneymonk</title>
		<link>http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/comment-page-1/#comment-4338</link>
		<dc:creator>Moneymonk</dc:creator>
		<pubDate>Fri, 30 Mar 2007 17:35:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/03/30/fixing-my-finances-my-various-accounts-part-3/#comment-4338</guid>
		<description>no 401k?</description>
		<content:encoded><![CDATA[<p>no 401k?</p>
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