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	<title>Comments on: Some More No Credit Needed</title>
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	<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/</link>
	<description>Debt Reduction Rocks - We Are Living Debt Free!</description>
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		<title>By: mortgage</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-161933</link>
		<dc:creator>mortgage</dc:creator>
		<pubDate>Tue, 26 May 2009 22:46:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-161933</guid>
		<description>its possible, to live without a credit, very possible, ill say, its just now, we got used to it</description>
		<content:encoded><![CDATA[<p>its possible, to live without a credit, very possible, ill say, its just now, we got used to it</p>
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		<title>By: Chris @ BuildMyBudget</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-161232</link>
		<dc:creator>Chris @ BuildMyBudget</dc:creator>
		<pubDate>Thu, 21 May 2009 00:05:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-161232</guid>
		<description>Take a break, find a way to make it manageable and always remember why you started it to begin with!</description>
		<content:encoded><![CDATA[<p>Take a break, find a way to make it manageable and always remember why you started it to begin with!</p>
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		<title>By: Romka</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-160912</link>
		<dc:creator>Romka</dc:creator>
		<pubDate>Mon, 18 May 2009 10:01:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-160912</guid>
		<description>Yeah, sure, but honestly, if it is not :-(</description>
		<content:encoded><![CDATA[<p>Yeah, sure, but honestly, if it is not <img src='http://www.ncnblog.com/wp-includes/images/smilies/icon_sad.gif' alt=':-(' class='wp-smiley' /> </p>
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	<item>
		<title>By: szala</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-160654</link>
		<dc:creator>szala</dc:creator>
		<pubDate>Fri, 15 May 2009 10:48:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-160654</guid>
		<description>The majority of the large cap / total US market stocks are held in Vanguard’s VTI ETF - which tracks the broader US market.  The majority of mid / small cap stocks are held in my 403(b) via a REIT.  All of the international stocks are held in a fund with my 403(b).  I recently made a change to my future contributions, so the amount held in cash / bonds should increase, as a percentage of the portfolio, over time.

One of my goals for 2009 is to fully-fund my 403(b) ($16,500).  I also hope to fully-fund my Roth IRA ($5,000) and my wife’s Roth IRA ($5,000).

This is my personal portfolio, constructed after doing my own research and according to my own risk tolerance. I may even change it in the future.  It is not a recommendation to purchase any specific securities.  I am not a financial professional or investment adviser, nor do I play one on the web.


szala

&lt;a href=&quot;//www.autofinance247.com”&quot; rel=&quot;nofollow&quot;&gt;Auto Finance&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>The majority of the large cap / total US market stocks are held in Vanguard’s VTI ETF &#8211; which tracks the broader US market.  The majority of mid / small cap stocks are held in my 403(b) via a REIT.  All of the international stocks are held in a fund with my 403(b).  I recently made a change to my future contributions, so the amount held in cash / bonds should increase, as a percentage of the portfolio, over time.</p>
<p>One of my goals for 2009 is to fully-fund my 403(b) ($16,500).  I also hope to fully-fund my Roth IRA ($5,000) and my wife’s Roth IRA ($5,000).</p>
<p>This is my personal portfolio, constructed after doing my own research and according to my own risk tolerance. I may even change it in the future.  It is not a recommendation to purchase any specific securities.  I am not a financial professional or investment adviser, nor do I play one on the web.</p>
<p>szala</p>
<p><a href="//www.autofinance247.com”" rel="nofollow">Auto Finance</a></p>
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	<item>
		<title>By: Greg</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159997</link>
		<dc:creator>Greg</dc:creator>
		<pubDate>Sun, 10 May 2009 05:47:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159997</guid>
		<description>Yay!</description>
		<content:encoded><![CDATA[<p>Yay!</p>
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		<title>By: Will_Wise_Bread</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159974</link>
		<dc:creator>Will_Wise_Bread</dc:creator>
		<pubDate>Sat, 09 May 2009 23:48:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159974</guid>
		<description>Nice to have you back NCN.  Your advice and insights means a lot to your readers and to other pf bloggers like Wise Bread.  Things just wouldn&#039;t be the same without you.

This is a great time for pf bloggers.  There are so many opportunities flying at us that it might be a little overwhelming at times.  If you ever just want to chat you know where to find me.  :)</description>
		<content:encoded><![CDATA[<p>Nice to have you back NCN.  Your advice and insights means a lot to your readers and to other pf bloggers like Wise Bread.  Things just wouldn&#8217;t be the same without you.</p>
<p>This is a great time for pf bloggers.  There are so many opportunities flying at us that it might be a little overwhelming at times.  If you ever just want to chat you know where to find me.  <img src='http://www.ncnblog.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	<item>
		<title>By: Der Simple Man</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159962</link>
		<dc:creator>Der Simple Man</dc:creator>
		<pubDate>Sat, 09 May 2009 19:17:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159962</guid>
		<description>Your wife is a smart woman! Thank her ( and thank you)</description>
		<content:encoded><![CDATA[<p>Your wife is a smart woman! Thank her ( and thank you)</p>
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		<title>By: nickel</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159960</link>
		<dc:creator>nickel</dc:creator>
		<pubDate>Sat, 09 May 2009 19:13:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159960</guid>
		<description>I think it&#039;s smart to scale back elsewhere rather than walking away entirely, at least for a trial period to see how it goes. Speaking from experience, it&#039;s very easy to get caught up in the moment, launch a new site, and spread yourself too thin. As with all things, balance is the key.</description>
		<content:encoded><![CDATA[<p>I think it&#8217;s smart to scale back elsewhere rather than walking away entirely, at least for a trial period to see how it goes. Speaking from experience, it&#8217;s very easy to get caught up in the moment, launch a new site, and spread yourself too thin. As with all things, balance is the key.</p>
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	<item>
		<title>By: nickel</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159959</link>
		<dc:creator>nickel</dc:creator>
		<pubDate>Sat, 09 May 2009 18:59:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159959</guid>
		<description>NCN, the Brett Favre of personal finance blogging. :)</description>
		<content:encoded><![CDATA[<p>NCN, the Brett Favre of personal finance blogging. <img src='http://www.ncnblog.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Lazy Man and Money</title>
		<link>http://www.ncnblog.com/2009/05/09/some-more-no-credit-needed/comment-page-1/#comment-159953</link>
		<dc:creator>Lazy Man and Money</dc:creator>
		<pubDate>Sat, 09 May 2009 17:33:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/?p=2423#comment-159953</guid>
		<description>Just when I was thinking of opening up my wallet to make an offer... tease :-)</description>
		<content:encoded><![CDATA[<p>Just when I was thinking of opening up my wallet to make an offer&#8230; tease <img src='http://www.ncnblog.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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