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<title>Hello, Dollar!</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/" />
<modified>2005-10-31T16:18:25Z</modified>
<tagline>Finding the &quot;Secret&quot; of Wealth</tagline>
<id>tag:www.hellodollar.com,2007://1</id>
<generator url="http://www.movabletype.org/" version="3.34">Movable Type</generator>
<copyright>Copyright (c) 2005, Frank</copyright>
<entry>
<title>Long-Term Financial Plan</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/long-term_finan.html" />
<modified>2005-10-31T16:18:25Z</modified>
<issued>2005-10-19T16:07:28Z</issued>
<id>tag:www.hellodollar.com,2005://1.42</id>
<created>2005-10-19T16:07:28Z</created>
<summary type="text/plain">Lately I&apos;ve been working on creating a comprehensive long-term financial plan. As much as I think and learn about personal finance, I have yet to put all of my goals and plans down in one place. So I thought I&apos;d...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Finance and Your Life</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
Lately I&apos;ve been working on creating a comprehensive long-term financial plan. As much as I think and learn about personal finance, I have yet to put all of my goals and plans down in one place. So I thought I&apos;d...
</content>
</entry>
<entry>
<title>Inflation Calculator</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/inflation_calcu.html" />
<modified>2005-10-31T16:18:24Z</modified>
<issued>2005-10-17T16:43:02Z</issued>
<id>tag:www.hellodollar.com,2005://1.41</id>
<created>2005-10-17T16:43:02Z</created>
<summary type="text/plain">With all the talk about interest rates and immense savings growth over time, it&apos;s important be conscious of the effect that inflation will have on your money. Inflation is the (generally) slow but steady increase in the price of goods...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
With all the talk about interest rates and immense savings growth over time, it&apos;s important be conscious of the effect that inflation will have on your money. Inflation is the (generally) slow but steady increase in the price of goods...
</content>
</entry>
<entry>
<title>What is Your Net Worth?</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/net_worth.html" />
<modified>2005-10-13T16:33:15Z</modified>
<issued>2005-10-13T16:32:01Z</issued>
<id>tag:www.hellodollar.com,2005://1.40</id>
<created>2005-10-13T16:32:01Z</created>
<summary type="text/plain">You know that the most important measure of financial health is net worth. So how do you figure out what yours is? It&apos;s actually pretty easy....</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
You know that the most important measure of financial health is net worth. So how do you figure out what yours is? It&apos;s actually pretty easy....
</content>
</entry>
<entry>
<title>What is Rich?</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/rich_-_what_is.html" />
<modified>2005-10-11T16:22:47Z</modified>
<issued>2005-10-11T16:15:25Z</issued>
<id>tag:www.hellodollar.com,2005://1.39</id>
<created>2005-10-11T16:15:25Z</created>
<summary type="text/plain">I have a problem with surveys that determine the richest people in the world, or in a country, based on their income. After all, it&apos;s not how much you make, it&apos;s how much you have. Would you rather make $50,000...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
I have a problem with surveys that determine the richest people in the world, or in a country, based on their income. After all, it&apos;s not how much you make, it&apos;s how much you have. Would you rather make $50,000...
</content>
</entry>
<entry>
<title>Carnival of Personal Finance #17</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/carnival_of_per.html" />
<modified>2005-10-11T16:07:10Z</modified>
<issued>2005-10-10T05:55:00Z</issued>
<id>tag:www.hellodollar.com,2005://1.37</id>
<created>2005-10-10T05:55:00Z</created>
<summary type="text/plain">Welcome to the 17th Carnival of Personal Finance! If you haven&apos;t read the Carnival before, it&apos;s a gathering together of personal finance-related posts submitted from across the blogosphere, and hosted on a different blog each week. If this is your...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Finance and Your Life</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
Welcome to the 17th Carnival of Personal Finance! If you haven&apos;t read the Carnival before, it&apos;s a gathering together of personal finance-related posts submitted from across the blogosphere, and hosted on a different blog each week. If this is your...
</content>
</entry>
<entry>
<title>Close your Credit Card Accounts?</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/close_your_cred.html" />
<modified>2005-10-31T16:18:19Z</modified>
<issued>2005-10-06T16:03:50Z</issued>
<id>tag:www.hellodollar.com,2005://1.38</id>
<created>2005-10-06T16:03:50Z</created>
<summary type="text/plain">One of the reasons people get into credit card debt is that they have too much credit available, and are unable to manage it responsibly. If you&apos;re working to pay off credit cards, you can lower the risk of getting...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Credit</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
One of the reasons people get into credit card debt is that they have too much credit available, and are unable to manage it responsibly. If you&apos;re working to pay off credit cards, you can lower the risk of getting...
</content>
</entry>
<entry>
<title>Eliminating Credit Card debt: Snowballing</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/snowballing_cre.html" />
<modified>2005-10-31T16:18:19Z</modified>
<issued>2005-10-04T19:31:47Z</issued>
<id>tag:www.hellodollar.com,2005://1.36</id>
<created>2005-10-04T19:31:47Z</created>
<summary type="text/plain">There are a bunch of systems that people use to get out of credit card debt. From talking to people who&apos;ve successfully conquered credit cards, the system called &quot;snowballing&quot; debt seems to work well. The snowball system works like this:...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Getting Out of Debt</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
There are a bunch of systems that people use to get out of credit card debt. From talking to people who&apos;ve successfully conquered credit cards, the system called &quot;snowballing&quot; debt seems to work well. The snowball system works like this:...
</content>
</entry>
<entry>
<title>The Importance of Regular Savings</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/regular_savings.html" />
<modified>2005-10-31T16:18:17Z</modified>
<issued>2005-10-03T16:30:25Z</issued>
<id>tag:www.hellodollar.com,2005://1.35</id>
<created>2005-10-03T16:30:25Z</created>
<summary type="text/plain">Over time, I have realized that without certain good habits in place, my finances quickly get out of order. Perhaps the most important habit that I have learned is regular savings. Regularly contriubting to savings account is important on several...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
Over time, I have realized that without certain good habits in place, my finances quickly get out of order. Perhaps the most important habit that I have learned is regular savings. Regularly contriubting to savings account is important on several...
</content>
</entry>
<entry>
<title>Updates</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/10/updates.html" />
<modified>2005-10-31T16:18:15Z</modified>
<issued>2005-10-01T14:35:15Z</issued>
<id>tag:www.hellodollar.com,2005://1.34</id>
<created>2005-10-01T14:35:15Z</created>
<summary type="text/plain">Thanks for the concerned emails and comments. I&apos;m fine, but a vacation followed by a very busy personal time resulted in the suffering of this blog. Things are largely back to normal now, and I&apos;ll be resuming a regular posting...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>About the Site</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
Thanks for the concerned emails and comments. I&apos;m fine, but a vacation followed by a very busy personal time resulted in the suffering of this blog. Things are largely back to normal now, and I&apos;ll be resuming a regular posting...
</content>
</entry>
<entry>
<title>Let Them Eat Cake</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/09/i_read_this_pos.html" />
<modified>2005-09-07T19:28:58Z</modified>
<issued>2005-09-07T19:28:30Z</issued>
<id>tag:www.hellodollar.com,2005://1.33</id>
<created>2005-09-07T19:28:30Z</created>
<summary type="text/plain">I read this post on Being Poor yesterday and I wanted to share it. It&apos;s an emotional reminder that some people don&apos;t have the luxury of putting away that extra dollar a day. Frugality is not a lifestyle choice --...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Finance and Your Life</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
I read this post on Being Poor yesterday and I wanted to share it. It&apos;s an emotional reminder that some people don&apos;t have the luxury of putting away that extra dollar a day. Frugality is not a lifestyle choice --...
</content>
</entry>
<entry>
<title>Wealth is Not About the Income!</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/09/wealth_is_not_a.html" />
<modified>2005-09-06T16:12:01Z</modified>
<issued>2005-09-06T15:59:24Z</issued>
<id>tag:www.hellodollar.com,2005://1.32</id>
<created>2005-09-06T15:59:24Z</created>
<summary type="text/plain">A review of The Millionaire Next Door Long after I started getting responsible with my finances, I thought that in order to achieve real wealth, I needed to earn an extraordinary amount of money. At a certain level, that&apos;s true....</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
A review of The Millionaire Next Door Long after I started getting responsible with my finances, I thought that in order to achieve real wealth, I needed to earn an extraordinary amount of money. At a certain level, that&apos;s true....
</content>
</entry>
<entry>
<title>What is the Difference between APR and APY?</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/09/apr_and_apy.html" />
<modified>2005-09-02T17:11:34Z</modified>
<issued>2005-09-02T17:06:30Z</issued>
<id>tag:www.hellodollar.com,2005://1.31</id>
<created>2005-09-02T17:06:30Z</created>
<summary type="text/plain">As I was getting out of debt and began to accumulate some money that I actually wanted to save, I came across some banks advertising their APR (annual percentage rate), and some their APY (annual percentage yield). Not having a...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Saving and Investing</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
As I was getting out of debt and began to accumulate some money that I actually wanted to save, I came across some banks advertising their APR (annual percentage rate), and some their APY (annual percentage yield). Not having a...
</content>
</entry>
<entry>
<title>Hurricane Help</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/09/hurricane_help.html" />
<modified>2005-10-31T16:18:09Z</modified>
<issued>2005-09-01T16:04:33Z</issued>
<id>tag:www.hellodollar.com,2005://1.30</id>
<created>2005-09-01T16:04:33Z</created>
<summary type="text/plain">The suffering caused by disasters like Hurricane Katrina have an ironic way of bringing out the good in people. It reminds us that we&apos;re all in this world together. If you want to help, there are charities that have organized...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Finance and Your Life</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
The suffering caused by disasters like Hurricane Katrina have an ironic way of bringing out the good in people. It reminds us that we&apos;re all in this world together. If you want to help, there are charities that have organized...
</content>
</entry>
<entry>
<title>Ten Dollar Project: Week 2</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/08/ten_dollar_proj_1.html" />
<modified>2005-10-31T16:18:06Z</modified>
<issued>2005-08-31T16:41:20Z</issued>
<id>tag:www.hellodollar.com,2005://1.29</id>
<created>2005-08-31T16:41:20Z</created>
<summary type="text/plain">Well, we&apos;re through week two on the Ten Dollar Project. I&apos;ve experienced a minor setback in that I only managed to sell one of my pieces of jewelry on eBay, and that for the minimum bid of four dollars....</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Ten Dollar Project</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
Well, we&apos;re through week two on the Ten Dollar Project. I&apos;ve experienced a minor setback in that I only managed to sell one of my pieces of jewelry on eBay, and that for the minimum bid of four dollars....
</content>
</entry>
<entry>
<title>Taking a Step Back</title>
<link rel="alternate" type="text/html" href="http://www.hellodollar.com/archives/2005/08/taking_a_step_b.html" />
<modified>2005-10-31T16:18:05Z</modified>
<issued>2005-08-31T04:43:56Z</issued>
<id>tag:www.hellodollar.com,2005://1.28</id>
<created>2005-08-31T04:43:56Z</created>
<summary type="text/plain">I have taken a little bit of flack for a few of the articles I&apos;ve written here that advocate penny-pinching and saving over spending. Most of it is along the lines of, &quot;What good is it to have money if...</summary>
<author>
<name>Frank</name>

<email>frank@frankpape.com</email>
</author>
<dc:subject>Finance and Your Life</dc:subject>
<content type="text/html" mode="escaped" xml:lang="en" xml:base="http://www.hellodollar.com/">
I have taken a little bit of flack for a few of the articles I&apos;ve written here that advocate penny-pinching and saving over spending. Most of it is along the lines of, &quot;What good is it to have money if...
</content>
</entry>

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