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	<title>My College Wallet</title>
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	<link>http://www.waynefirebaugh.com/mycollegewallet</link>
	<description>Wayne Firebaugh, Certified College Planning Specialist</description>
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		<title>The Two Minute Financial Aid Primer</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/08/10/the-two-minute-financial-aid-primer/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/08/10/the-two-minute-financial-aid-primer/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 18:46:18 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[College Cost]]></category>
		<category><![CDATA[Federal loan programs]]></category>
		<category><![CDATA[Financial aid]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=177</guid>
		<description><![CDATA[The financial aid system can seem so complicated. This video describes the four different things the financial aid formulas try to assess before determining how much aid a student should be awarded.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s Even Worse than You Thought</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/04/20/its-even-worse-than-you-thought/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/04/20/its-even-worse-than-you-thought/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 01:55:24 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[College Cost]]></category>
		<category><![CDATA[College Savings]]></category>
		<category><![CDATA[Tax planning]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[college savings plans]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=173</guid>
		<description><![CDATA[If you think college is expensive, you will be dismayed to learn that it can actually be much more expensive than you ever imagined. This video describes two factors &#8211; delayed graduation and income taxes &#8211; that can cause a shocking increase in a family&#8217;s college cash outlay.]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2011/04/20/its-even-worse-than-you-thought/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>College Savings Accident Ahead</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/04/04/college-savings-accident-ahead/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/04/04/college-savings-accident-ahead/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 21:00:46 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[529 plans]]></category>
		<category><![CDATA[Pre-paid tuition plans]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[529 Plans]]></category>
		<category><![CDATA[college savings plans]]></category>
		<category><![CDATA[prepaid tuition plans]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=163</guid>
		<description><![CDATA[Many people believe prepaid tuition plans are safe because they are guaranteed by the sponsoring state. Unfortunately, as this video describes, this is often a dangerously wrong assumption.]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2011/04/04/college-savings-accident-ahead/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>529 Plans &#8211; The 2nd Best Way to Save for College</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/03/24/529-plans-the-2nd-best-way-to-save-for-college-2/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/03/24/529-plans-the-2nd-best-way-to-save-for-college-2/#comments</comments>
		<pubDate>Thu, 24 Mar 2011 20:03:35 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[529 plans]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[529 Plans]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[college savings plans]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=158</guid>
		<description><![CDATA[A 529 plan is definitely not a complete college funding strategy. In fact, for many families, a 529 plan isn&#8217;t even the best college savings option. 529 plans can be expensive and inflexible. They do not generate federal tax deductions and, if you are not careful, the anticipated tax-free withdrawals may not materialize. This video [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You&#8217;re Playing the Wrong Game</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/01/25/youre-playing-the-wrong-game/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/01/25/youre-playing-the-wrong-game/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 20:30:25 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[Financial aid]]></category>
		<category><![CDATA[college planning]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=136</guid>
		<description><![CDATA[Let&#8217;s just agree that the federal financial aid formulas overstate your family’s ability to pay for college. For that reason, many parents try to game the system by reducing their reportable resources. At the top end of the scale, the aid formulas assess your income at 46%. However, your assets are assessed at &#8220;only&#8221; 5.6%. [...]]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2011/01/25/youre-playing-the-wrong-game/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Please Just Tell Me</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2011/01/04/please-just-tell-me/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2011/01/04/please-just-tell-me/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 03:29:35 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[College Admission]]></category>
		<category><![CDATA[college planning]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=124</guid>
		<description><![CDATA[Applying to college can often feel like talking to your spouse. Why can&#8217;t you just tell me what you want? I’m not a mind-reader and I don’t really want to guess what you are thinking. If that exchange sounds familiar, you&#8217;re in luck. Well, at least you are in luck with respect to your college [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sneaky College Cost Increases</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2010/08/09/sneaky-college-cost-increases/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2010/08/09/sneaky-college-cost-increases/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 20:54:50 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Tax planning]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=105</guid>
		<description><![CDATA[For a lot of families, college is about to get a lot more expensive. Over the past 10 years, tuition and fees have increased at an annual rate of 4.9% more than inflation (CollegeBoard Trends in College Pricing 2009). To be sure, that 4.9% represents a very substantial and painful gap between growth rates of [...]]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2010/08/09/sneaky-college-cost-increases/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>There Oughta Be A Law!</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2010/07/08/there-oughta-be-a-law/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2010/07/08/there-oughta-be-a-law/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 00:58:09 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[college planning]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=102</guid>
		<description><![CDATA[Richard Dawkins, famed Oxford zoologist and atheist, has often said it is impossible to legislate morality. However, more than two years after the beginning of a market meltdown, a Congressional conference committee unveiled a 2,000-page bill trying to do just that. This pending legislation represents the most significant changes to financial regulations since the Securities [...]]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2010/07/08/there-oughta-be-a-law/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>So Long, Small S Corporation?</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2010/06/25/so-long-small-s-corporation/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2010/06/25/so-long-small-s-corporation/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 18:46:43 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[Tax planning]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[S corporations]]></category>
		<category><![CDATA[tax legislation]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=95</guid>
		<description><![CDATA[Managing taxes is an important part of saving for college. S corporations can help manage a business owner’s tax burden because corporate income &#8220;passes through&#8221; to shareholders. This means that S corporations don&#8217;t pay income taxes. Rather, shareholders pay the taxes on corporate earnings but not on any cash that is distributed. In addition, shareholders [...]]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2010/06/25/so-long-small-s-corporation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>For-profit college? Forget about it!</title>
		<link>http://www.waynefirebaugh.com/mycollegewallet/2010/06/21/for-profit-college-forget-about-it/</link>
		<comments>http://www.waynefirebaugh.com/mycollegewallet/2010/06/21/for-profit-college-forget-about-it/#comments</comments>
		<pubDate>Tue, 22 Jun 2010 01:55:49 +0000</pubDate>
		<dc:creator>Wayne Firebaugh</dc:creator>
				<category><![CDATA[Federal loan programs]]></category>
		<category><![CDATA[Student loan reform]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[for-profit colleges]]></category>
		<category><![CDATA[student loan legislation]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.waynefirebaugh.com/mycollegewallet/?p=89</guid>
		<description><![CDATA[The Higher Education Act of 1965 requires proprietary and vocational (read “for-profit”) colleges, other than clearly designated &#8220;liberal arts&#8221; or non-degreed vocational programs, provide &#8220;an eligible program of training to prepare students for gainful employment in a recognized occupation.&#8221; Compliance is a condition for those colleges&#8217; students to be eligible for federal financial aid including [...]]]></description>
		<wfw:commentRss>http://www.waynefirebaugh.com/mycollegewallet/2010/06/21/for-profit-college-forget-about-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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