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<title>Your Money</title>
<description>Your Money will make you more knowledgeable and confident about your personal finances. We&apos;ll help you learn to invest wisely and avoid costly mistakes.</description>
<link>http://www.sec.gov/investor.shtml</link>
<language>en-us</language>
<pubDate>Mon, 16 Apr 2007 15:30:00 EST</pubDate>
<copyright>-</copyright>

<itunes:author>-</itunes:author>
<itunes:subtitle>Helping you achieve your saving and retirement goals</itunes:subtitle>
<itunes:summary>Your Money will make you more knowledgeable and confident about your personal finances. We&apos;ll help you learn to invest wisely and avoid costly mistakes.</itunes:summary>
<itunes:owner>
   <itunes:name>U.S. Securities and Exchange Commission</itunes:name>
   <itunes:email>Podcast@sec.gov</itunes:email>
</itunes:owner>
<itunes:image href="http://www.sec.gov/rss/your_money/your_money.jpg" />
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>

<item>
<title>Easy Broker Background Check</title>
<description>Investor Ed answers questions on checking out the background of a broker and the rule of 72.</description>
<enclosure url="http://www.sec.gov/rss/your_money/broker_check.mp3" length="534489" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/broker_check.mp3</guid>
<pubDate>Tue, 17 Apr 2007 11:30:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Investor Ed answers questions on checking out the background of a broker and the rule of 72.</itunes:subtitle>
<itunes:summary>By going to www.nasdbrokercheck.com, investors can check a broker&apos;s backgound in a matter of seconds.  Investor Ed also discusses a popular rule of thumb -- called the rule of 72 -- which can help you calculate the approximate time it will take for an investment to double in value.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>2:13</itunes:duration>
<itunes:keywords>rule of 72 broker nasd brokercheck business invest stock investor investing investment money profit savvy sec Securities Exchange Commission asd ed</itunes:keywords>
</item>

<item>
<title>529 Basics - Part V of V (Financial Aid)</title>
<description>Our last topic in this series focuses on financial aid.</description>
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<guid>http://www.sec.gov/rss/your_money/529plan5.mp3</guid>
<pubDate>Fri, 02 Feb 2007 11:30:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Our last topic in this series focuses on financial aid.</itunes:subtitle>
<itunes:summary>As a general matter, investing in a 529 plan will reduce a studen&apos;t eligibility to participate in need-based financial aid.  And, now, as a result of the Deficit Reduction Act of 2005, assets held in pre-paid tuition plans and college savings plans are treated similarly for federal financial aid purposes.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>2:21</itunes:duration>
<itunes:keywords>college savings 529 plan pre-paid tuition Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission fees expenses financial aid</itunes:keywords>
</item>

<item>
<title>529 Basics - Part IV of V (Avoiding Fees)</title>
<description>Are you worried about paying to much in fees for your 529 plan?  This episode discusses ways you can invest in a 529 plan, but reduce or avoid some fees and expenses.</description>
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<guid>http://www.sec.gov/rss/your_money/529plan4.mp3</guid>
<pubDate>Thu, 18 Jan 2007 12:10:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Are you worried about paying to much in fees for your 529 plan?  This episode discusses ways you can invest in a 529 plan, but reduce or avoid some fees and expenses.</itunes:subtitle>
<itunes:summary>The fourth of five episode in this series discusses the following four ways some investors may be able to reduce or avoid 529 plan expenses: (1) invest in a direct-sold plan, (2) consider your home state&apos;s plan, (3) make regular contributions, and (4) get a breakpoint discount (these discounts only apply to broker-sold college savings plans).</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>2:29</itunes:duration>
<itunes:keywords>college savings 529 plan pre-paid tuition Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission fees expenses</itunes:keywords>
</item>

<item>
<title>529 Plan Basics - Part III of V (Fees)</title>
<description>Fees are an important consideration for any investment.  Find out why 529 plans are no different.</description>
<enclosure url="http://www.sec.gov/rss/your_money/529plan3.mp3" length="354683" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/529plan3.mp3</guid>
<pubDate>Tue, 12 Dec 2006 09:30:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Fees are an important consideration for any investment.  Find out why 529 plans are no different.</itunes:subtitle>
<itunes:summary>Can a seemingly small difference have a large impact on your 529 plan investment over time?  You bet it can.  In this episode, you&apos;ll learn about a couple of resources you can use to assess the fees of a plan you may be considering.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>1:56</itunes:duration>
<itunes:keywords>college savings 529 plan pre-paid tuition Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission fees expenses</itunes:keywords>
</item>

<item>
<title>529 Plan Basics - Part II of V (Taxes)</title>
<description>Our second topic in a series of five on 529 plans focuses on taxes.</description>
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<guid>http://www.sec.gov/rss/your_money/529plan2.mp3</guid>
<pubDate>Tue, 21 Nov 2006 15:00:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Our second topic in a series of five on 529 plans focuses on taxes.</itunes:subtitle>
<itunes:summary>Are there federal tax benefits for investing in a 529 plan?  What about state tax incentives?  When will I pay a tax penalty?</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>2:52</itunes:duration>
<itunes:keywords>college savings 529 plan pre-paid tuition Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund state tax benefits</itunes:keywords>
</item>

<item>
<title>529 Plan Basics - Part I of V</title>
<description>Are you thinking about investing in a 529 plan?  Begin schooling yourself about these tax-advantaged plans designed to encourage saving for future college costs.</description>
<enclosure url="http://www.sec.gov/rss/your_money/529plan1.mp3" length="1545344" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/529plan1.mp3</guid>
<pubDate>Wed, 20 Sep 2006 14:30:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Begin schooling yourself about these tax-advantaged plans designed to encourage saving for future college costs.</itunes:subtitle>
<itunes:summary>What is a pre-paid tuition plan?  What is a college savings plan? Our host will explain the major differences between the two types of 529 plans.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>6:25</itunes:duration>
<itunes:keywords>college savings 529 plan pre-paid tuition Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund state tax benefits</itunes:keywords>
</item>

<item>
<title>Stocks vs. Bonds - And the winner is. . .?</title>
<description>Learn about the differences between stocks and bonds, and how you can use them in your portfolio.  So you&apos;ve found a terrific company that makes a better mousetrap.  Our hosts discuss how to determine whether you should use Your Money to buy that company&apos;s stock or bonds.</description>
<enclosure url="http://www.sec.gov/rss/your_money/stocks_vs_bonds.mp3" length="1114742" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/stocks_vs_bonds.mp3</guid>
<pubDate>Mon, 14 Aug 2006 09:14:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn about the differences between stocks and bonds, and how you can use them in your portfolio</itunes:subtitle>
<itunes:summary>You&apos;ve found a terrific company that makes a better mousetrap.  Our hosts discuss how to determine whether you should use Your Money to buy that company&apos;s stock or bonds.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>4:37</itunes:duration>
<itunes:keywords>Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund variable annuity research regulator wealth finance financial</itunes:keywords>
</item>

<item>
<title>&quot;Pump and Dump&quot; Schemes</title>
<description>You hear about an unbelievable investment opportunity through a newsletter, fax, or voicemail message.  Should you believe the hype?  Our host talks about one of the most common investment frauds, the &quot;pump and dump&quot; scheme.</description>
<enclosure url="http://www.sec.gov/rss/your_money/pump_and_dump.mp3" length="1044629" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/pump_and_dump.mp3</guid>
<pubDate>Mon, 07 Aug 2006 08:23:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn about one of the most common investment frauds</itunes:subtitle>
<itunes:summary>You hear about an unbelievable investment opportunity through a newsletter, fax, or voicemail message.  Should you believe the hype?  Our host talks about  the &quot;pump and dump&quot; schemes and how you can protect yourself.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>4:20</itunes:duration>
<itunes:keywords>pump dump Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund variable annuity research regulator wealth finance</itunes:keywords>
</item>

<item>
<title>Lifecycle Funds</title>
<description>What are these so-called &quot;cruise control&quot; funds and how do they differ from other mutual funds?  Our host explains lifecyle funds and provides resources for those thinking about investing in this type of fund.</description>
<enclosure url="http://www.sec.gov/rss/your_money/lifecycle.mp3" length="518732" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/lifecycle.mp3</guid>
<pubDate>Mon, 31 Jul 2006 08:35:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Using one investment to save for an investment goal</itunes:subtitle>
<itunes:summary>What are these so-called &quot;cruise control&quot; funds and how do they differ from other mutual funds?  Our host explains lifecyle funds and provides resources for those thinking about investing in this type of fund.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>2:08</itunes:duration>
<itunes:keywords>lifecycle lifestyle business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund research regulator</itunes:keywords>
</item>

<item>
<title>Paid Auto-surfing Schemes</title>
<description>Are you interested in auto-surfing or other &quot;money for nothing&quot; opportunities?  Our host discusses some steps you can take to check out these opportunities before you participate.</description>
<enclosure url="http://www.sec.gov/rss/your_money/auto-surfing.mp3" length="858533" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/auto-surfing.mp3</guid>
<pubDate>Mon, 24 Jul 2006 08:40:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Steps for checking out opportunities that promise high returns for little or no effort</itunes:subtitle>
<itunes:summary>Are you interested in auto-surfing or other &quot;money for nothing&quot; opportunities?  Our host discusses some steps you can take to check out these opportunities before you participate.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>3:33</itunes:duration>
<itunes:keywords>auto-surfing autosurfing business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund variable annuity research regulator</itunes:keywords>
</item>

<item>
<title>Senior Specialists and Advisors</title>
<description>What do the sets of initials that follow the names of financial professionals mean?  Should I assume that a &quot;senior&quot; finanical professional has expertise helping seniors with financial issues.  Our host answers these questions and more about investment professional designations.</description>
<enclosure url="http://www.sec.gov/rss/your_money/senior_specialists.mp3" length="793101" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/senior_specialists.mp3</guid>
<pubDate>Wed, 12 Jul 2006 10:31:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Find out more about &quot;senior&quot; investment professional designations.</itunes:subtitle>
<itunes:summary>What do the sets of initials that follow the names of financial professionals mean?  Should I assume that a &quot;senior&quot; finanical professional has expertise helping seniors with financial issues.  Our host answers these questions and more about investment professional designations.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>3:18</itunes:duration>
<itunes:keywords>senior elderly guaranteed business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund  bonds cash high return</itunes:keywords>
</item>

<item>
<title>Choosing a Financial Professional</title>
<description>Do you need professional investment assistance? Our host discusses some tips for picking a financial professional, including using free resources to check out a financial professional&apos;s background.</description>
<enclosure url="http://www.sec.gov/rss/your_money/choosing_fin_pro.mp3" length="1518783" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/choosing_fin_pro.mp3</guid>
<pubDate>Wed, 05 Jul 2006 08:30:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Some helpful tips for getting investment help.</itunes:subtitle>
<itunes:summary>Do you need professional investment assistance? Our host discusses some tips for picking a financial professional, including using free resources to check out a financial professional&apos;s background.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>6:19</itunes:duration>
<itunes:keywords>advisor broker business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund  bonds financial planner consultant</itunes:keywords>
</item>

<item>
<title>&quot;Guaranteed&quot; High Returns</title>
<description>Are you looking for a huge return?  Our host discusses a simple strategy that some investors don&apos;t consider - paying off high interest debt.</description>
<enclosure url="http://www.sec.gov/rss/your_money/guaranteed_high_returns.mp3" length="1415129" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/guaranteed_high_returns.mp3</guid>
<pubDate>Mon, 26 Jun 2006 09:03:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>A simple strategy can help you earn a high return.</itunes:subtitle>
<itunes:summary>Are you looking for a huge return?  Our host discusses a simple strategy that some investors don&apos;t consider - paying off high interest debt.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>5:53</itunes:duration>
<itunes:keywords>guaranteed business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund  bonds cash high return credit card debt</itunes:keywords>
</item>

<item>
<title>Picking the Right Investments to Protect Your Portfolio</title>
<description>Learn about one the most fundamental principles of sound investing -- asset allocation. Some financial experts believe that how you divide your investments among asset categories is the most important decision you&apos;ll make with respect to your investments.  Our hosts will discuss the major asset categories -- stocks, bonds, and cash equivalents -- and the process for determining the mix of assets that&apos;s right for Your Money.  By picking the right investments, you can protect your portfolio against significant losses.</description>
<enclosure url="http://www.sec.gov/rss/your_money/asset_allocation.mp3" length="1147635" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/asset_allocation.mp3</guid>
<pubDate>Mon, 19 Jun 2006 11:22:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn about one the most fundamental principles of sound investing -- asset allocation.</itunes:subtitle>
<itunes:summary>Some financial experts believe that how you divide your investments among asset categories is the most important decision you&apos;ll make with respect to your investments.  Our hosts will discuss the major asset categories - stocks, bonds, and cash equivalents - and the process for determining the mix of assets that&apos;s right for Your Money.  By picking the right investments, you can protect your portfolio against significant losses.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>4:46</itunes:duration>
<itunes:keywords>asset allocation business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund  bonds cash profit high return finance</itunes:keywords>
</item>

<item>
<title>Wise Investing</title>
<description>Can investors get rich quickly?  Our host discusses the relationship between risk and reward.  You&apos;ll also find out why you should ignore faxes and emails touting &quot;can&apos;t miss&quot; investment opportunities.</description>
<enclosure url="http://www.sec.gov/rss/your_money/wise_investing.mp3" length="1472410" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/wise_investing.mp3</guid>
<pubDate>Thu, 08 Jun 2006 10:15:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Understanding the relationship between risk and reward.</itunes:subtitle>
<itunes:summary>Our host explains why successful investing takes a lot of time.  You&apos;ll also find out why you should ignore faxes and emails touting &quot;can&apos;t miss&quot; investment opportunities.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>6:07</itunes:duration>
<itunes:keywords>Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund high return research regulator risk reward your money</itunes:keywords>
</item>

<item>
<title>&quot;No-Load&quot; Funds</title>
<description>So you&apos;ve heard the term &quot;no-load,&quot; but you&apos;re not sure what it means.   As the name implies, no-load funds don&apos;t charge any type of sales fee.  Our hosts explain no-load funds and where self-directed investors can buy them.  You&apos;ll also learn about the extra fees you may pay if a broker helps you select a mutual fund.</description>
<enclosure url="http://www.sec.gov/rss/your_money/no_load_funds.mp3" length="1876263" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/no_load_funds.mp3</guid>
<pubDate>Wed, 31 May 2006 10:00:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn more about no-load funds - funds that don&apos;t charge any type of sales fee - and mutual fund fees and expenses.</itunes:subtitle>
<itunes:summary>Our hosts explain no-load funds and where self-directed investors can buy them.  You&apos;ll also learn about the extra fees you may pay if a broker helps you select a mutual fund.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>7:48</itunes:duration>
<itunes:keywords>Business invest stock investor investing investment money profit savvy sec Securities Exchange Commission mutual fund variable annuity research regulator no-load load your money</itunes:keywords>
</item>

<item>
<title>Hot Stock Tips</title>
<description>Learn how to research a company before buying a stock. Don&apos;t get burned by &quot;hot stock tips&quot;. Our hosts will discuss how to evaluate any investment opportunity and how to spot red flags. You&apos;ll learn what information to look for and where to find it.</description>
<enclosure url="http://www.sec.gov/rss/your_money/hot_stock_tips.mp3" length="841681" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/hot_stock_tips.mp3</guid>
<pubDate>Mon, 22 May 2006 09:15:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn how to research a company before buying a stock.</itunes:subtitle>
<itunes:summary>Learn how to research a company before buying a stock. Don&apos;t get burned by &quot;hot stock tips&quot;. Our hosts will discuss how to evaluate any investment opportunity and how to spot red flags. You&apos;ll learn what information to look for and where to find it.</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>3:30</itunes:duration>
<itunes:keywords>business invest stock investor investing investment money profit saving SEC Securities Exchange Commission mutual fund variable annuity research regulator wealth finance financial</itunes:keywords>
</item>

<item>
<title> Welcome to Your Money</title>
<description>Learn how to get started saving and investing</description>
<enclosure url="http://www.sec.gov/rss/your_money/welcome_to_your_money.mp3" length="1232896" type="audio/mpeg" />
<guid>http://www.sec.gov/rss/your_money/welcome_to_your_money.mp3</guid>
<pubDate>Mon, 15 May 2006 09:02:00 EST</pubDate>
<link>http://www.sec.gov/investor.shtml</link>
<itunes:author>-</itunes:author>
<itunes:subtitle>Learn how to get started saving and investing</itunes:subtitle>
<itunes:summary>Learn how the SEC&apos;s &quot;Your Money&quot; podast can help you get started saving and investing</itunes:summary>
<itunes:category text="Business">
    <itunes:category text="Investing"/>
</itunes:category>
<itunes:duration>5:07</itunes:duration>
<itunes:keywords>business invest stock investor investing investment money profit saving SEC Securities Exchange Commission mutual fund variable annuity research regulator wealth finance financial</itunes:keywords>
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