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	<title>Down to Earth Finance</title>
	<link>http://downtoearthfinance.com</link>
	<description>Galia Gichon</description>
	<lastBuildDate>Wed, 18 Jan 2012 22:14:36 +0000</lastBuildDate>
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		<title>Dollars and Sense</title>
		<description><![CDATA[I was recently featured in a fantastic article written by Susan Josephs, contributor to Jewish Woman Magazine. The article, which you can find here, highlights roads to financial success, as well as some of the psychology behind money. I really enjoyed it and I bet you will too!
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		<link>http://downtoearthfinance.com/2012/01/dollars-and-sense/</link>
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		<title>Radio Show &#8211; Budgeting for Fashion</title>
		<description><![CDATA[Curious about how money and fashion mix today? Curious about what my voice sounds like?
Well, this post answers both those questions:  I got to be a guest on the wonderful show &#8220;Where Are You Going In That?&#8221; which is hosted by talented style experts, Bridgette Raes and Amanda Jormov. Starting at 23:55  we spoke about [...]]]></description>
		<link>http://downtoearthfinance.com/2012/01/radio-show-budgeting-for-fashion/</link>
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		<title>Fresh Start, New Money Year</title>
		<description><![CDATA[You&#8217;ll find this article and great conversation about Fresh Money on  SavvyAuntie, and at Urban Intern!

The holidays now feel like a distant memory and you are experiencing the hangover via your bulging credit card bill. Not sure what to do besides dig deeper under your blanket?  It&#8217;s not that bad, and, here are three easy ways [...]]]></description>
		<link>http://downtoearthfinance.com/2012/01/fresh-start-new-money-year/</link>
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		<title>Stable Value Funds Help Reduce Risk</title>
		<description><![CDATA[In this economic climate, what can you do to shore up the value of your 401k and prevent further losses?
 Under normal circumstances—i.e. five years ago—owning bonds or bond funds in a long-term portfolio was supposed to protect it from falling too much.
 But, what if bonds fall as well? There is a valid concern [...]]]></description>
		<link>http://downtoearthfinance.com/2011/12/stable-value-funds-help-reduce-risk/</link>
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		<title>Why Your Nest Isn&#8217;t a Nest Egg</title>
		<description><![CDATA[
The single worst thing the real estate boom did to average Americans was creating a fantasy that you could count on your home equity as part of your retirement plan.
 But national average home prices have fallen almost 40% since 2008—putting a huge dent in many people’s nest eggs (to say the least).
 Yet from [...]]]></description>
		<link>http://downtoearthfinance.com/2011/12/why-your-nest-isnt-a-nest-egg/</link>
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		<title>The Temptation of HELOCs</title>
		<description><![CDATA[With interest rates around 4%, you may be tempted take out a home equity line of credit (HELOC)—and not just because it’s cheap.
Given the dicey real estate market, you may need to make repairs you’d hoped to avoid by selling—or you may want to do some upgrades to attract buyers.
It’s a tough choice. Even if [...]]]></description>
		<link>http://downtoearthfinance.com/2011/12/the-temptation-of-helocs/</link>
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		<title>The Downsides of Debit Cards</title>
		<description><![CDATA[This article was originally written by Galia Gichon on DAILY MUSE.

I’ve never been a fan of debit cards. You might wonder why, when they seem so useful—quick access to your money, immediate purchase power, and no need to carry around a wad of cash. Plus, they’re better than credit cards, right?
Not so fast. There are [...]]]></description>
		<link>http://downtoearthfinance.com/2011/11/the-downsides-of-debit-cards/</link>
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		<title>Love and Money.  Making It Work</title>
		<description><![CDATA[This article was originally written by Galia Gichon on DAILY MUSE.
This is the second article in our two-part series on dealing with finances with your significant other. For the first installment, check out “Can Love and Money Get Along?”
You’re a hoarder, he’s a spender. You stash purchases in the back of your closet, he “forgot” [...]]]></description>
		<link>http://downtoearthfinance.com/2011/10/love-and-money-making-it-work/</link>
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