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	<title>MintLife Blog &#124; Personal Finance News &#38; Advice &#187; Ross Crooks</title>
	<atom:link href="http://www.mint.com/blog/author/ross-crooks/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.mint.com/blog</link>
	<description>The blog of the free, simple personal finance solution. Track all your spending automatically, find the best deals, save more money. And save the world.</description>
	<lastBuildDate>Fri, 10 Feb 2012 19:00:29 +0000</lastBuildDate>
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		<title>Discretionary Dough: How Much Extra Cash Do Americans Have?</title>
		<link>http://www.mint.com/blog/consumer-iq/discretionary-dough-how-much-extra-cash-do-americans-have-022012/</link>
		<comments>http://www.mint.com/blog/consumer-iq/discretionary-dough-how-much-extra-cash-do-americans-have-022012/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 22:33:51 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Consumer IQ]]></category>
		<category><![CDATA[average American discretionary income]]></category>
		<category><![CDATA[discretionary income]]></category>
		<category><![CDATA[how much discretionary income Americans have]]></category>
		<category><![CDATA[spending discretionary income]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31773</guid>
		<description><![CDATA[All in all, Americans spend an estimated $1.47 trillion annually on discretionary goods and services. For most, the money after taxes, bills, and basic needs are covered is hard to come by, which means that a select few are spending some major bucks. View this infographic to find out where all the discretionary dough is going. <!--more-->
]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2012/02/Mint_Discretionary_Spending2.jpg"><img class="alignnone size-full wp-image-31841" title="Mint_Discretionary_Spending2" src="http://www.mint.com/blog/wp-content/uploads/2012/02/Mint_Discretionary_Spending2.jpg" alt="" width="1200" height="3250" /></a></p>
<p>A recent study by Experian breaks down how much discretionary income Americans have and what exactly they are doing with it. All in all, Americans spend an estimated $1.47 trillion annually on discretionary goods and services. For most, the money after taxes, bills, and basic needs are covered is hard to come by, which means that a select few are spending some major bucks. Click on &#8220;Launch Infographic&#8221; to find out where Americans are spending their discretionary dough.<br />
<a href="http://www.mint.com/blog/wp-content/uploads/2012/02/DiscretionarySpending2.jpg"></a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Betting on the Bowl: How Much is Wagered on the Big Game?</title>
		<link>http://www.mint.com/blog/trends/betting-on-the-bowl-how-much-is-wagered-on-the-big-game-012012/</link>
		<comments>http://www.mint.com/blog/trends/betting-on-the-bowl-how-much-is-wagered-on-the-big-game-012012/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 01:03:14 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Trends]]></category>
		<category><![CDATA[how much betting on super bowl]]></category>
		<category><![CDATA[strange super bowl bets]]></category>
		<category><![CDATA[super bowl bets]]></category>
		<category><![CDATA[super bowl gambling]]></category>
		<category><![CDATA[unusual super bowl gambling]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31610</guid>
		<description><![CDATA[The amount wagered on the Super Bowl is the equivalent of a massive industry and most of the money goes untaxed. View this infographic to take a look at the numbers, as well as some very strange bets that get placed on the big game. <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2012/01/Super-Bowl.png"><img class="alignnone size-full wp-image-28313" title="Super Bowl" src="http://www.mint.com/blog/wp-content/uploads/2012/01/Super-Bowl.png" alt="" width="1201" height="4671" /></a></p>
<p>Super Bowl gambling isn&#8217;t just limited to innocent wagers amongst friends. In fact, the amount wagered on the Super Bowl is the equivalent of a massive industry, with most of the money going untaxed.</p>
<p>Click on &#8220;Launch Infographic&#8221; to get a picture of just how much is spent on Super Bowl gambling, as well as some of the more unusual bets that get placed.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Should I Buy Insurance? A Visual Guide</title>
		<link>http://www.mint.com/blog/consumer-iq/should-i-buy-insurance-a-visual-guide-012012/</link>
		<comments>http://www.mint.com/blog/consumer-iq/should-i-buy-insurance-a-visual-guide-012012/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 23:02:52 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Consumer IQ]]></category>
		<category><![CDATA[do I need insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[types of insurance]]></category>
		<category><![CDATA[what kind of insurance do I need]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31525</guid>
		<description><![CDATA[While some things are certain in life (death and taxes), there is plenty that is unpredictable. Purchasing insurance for your assets, including your life, can be one of the most important decisions you will ever make. Check out this handy infographic to help you figure out your insurance needs. <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2012/01/Should-I-Buy-Insurance.png"><img class="alignnone size-full wp-image-28313" title="Should-I-Buy-Insurance.png" src="http://www.mint.com/blog/wp-content/uploads/2012/01/Should-I-Buy-Insurance.png" alt="" width="1201" height="4671" /></a></p>
<p>While some things are certain in life (death and taxes), there is plenty that is unpredictable. Purchasing insurance for your assets, including your life, can be one of the most important decisions you will ever make.</p>
<p>But how do you know what kind of policy you need and how much coverage you should to purchase?</p>
<p>Click on &#8220;launch infographic&#8221; to expand this handy flowchart that will help you determine if you need insurance, and if so, what kind of policies you need and how much coverage you should purchase.</p>
<p>&nbsp;</p>
]]></content:encoded>
			<wfw:commentRss>http://www.mint.com/blog/consumer-iq/should-i-buy-insurance-a-visual-guide-012012/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>Overdraft Nation: A Visual Guide to Americans&#8217; Overdraft Fees</title>
		<link>http://www.mint.com/blog/consumer-iq/how-banks-are-causing-americans-to-overdraw-012012/</link>
		<comments>http://www.mint.com/blog/consumer-iq/how-banks-are-causing-americans-to-overdraw-012012/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 00:58:00 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Consumer IQ]]></category>
		<category><![CDATA[charging overdraft fees]]></category>
		<category><![CDATA[how banks make money]]></category>
		<category><![CDATA[illegal bank fees]]></category>
		<category><![CDATA[overdraft fees]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31364</guid>
		<description><![CDATA[New regulations have made it harder for banks to charge overdraft fees. Launch this infographic to discover the new ways banks are trying to recoup the income they lost from these service fees. <!--more-->]]></description>
			<content:encoded><![CDATA[<p>As Americans enter 2012, their choice of bank may be increasingly important. Since regulations implemented in 2010 limit banks&#8217; power to charge overdraft fees, many banks are looking for new ways to recoup the income they lost from this type of service fee.</p>
<p>Click on &#8220;Launch Infographic&#8221; to learn more about how the change in overdraft regulations may impact your pocketbook.<a href="http://www.mint.com/blog/wp-content/uploads/2012/01/mint_overdraftnation_v2_sk-1.png"><img class="alignnone size-full wp-image-28313" title="mint_overdraftnation_v2_sk-1.png" src="http://www.mint.com/blog/wp-content/uploads/2012/01/mint_overdraftnation_v2_sk-1.png" alt="" width="1201" height="4671" /></a></p>
]]></content:encoded>
			<wfw:commentRss>http://www.mint.com/blog/consumer-iq/how-banks-are-causing-americans-to-overdraw-012012/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Stormy Weather: Are Americans Prepared for a Rainy Day?</title>
		<link>http://www.mint.com/blog/trends/stormy-weather-are-americans-prepared-for-a-rainy-day-012012/</link>
		<comments>http://www.mint.com/blog/trends/stormy-weather-are-americans-prepared-for-a-rainy-day-012012/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 22:36:26 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Trends]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[how to save for emergencies]]></category>
		<category><![CDATA[how well americans save]]></category>
		<category><![CDATA[rainy day fund]]></category>
		<category><![CDATA[saving for a rainy day]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31212</guid>
		<description><![CDATA[Are Americans able to cope with unexpected expenses? How confident are you that you could come up with $2,000 if an unexpected expense arose next month? Read on to see a visual comparison of how well various demographics are prepared for a rainy day. <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2012/01/Mint_Rainy_Day_fund5.jpg"><img class="alignnone size-full wp-image-28313" title="Mint_Rainy_Day_fund5" src="http://www.mint.com/blog/wp-content/uploads/2012/01/Mint_Rainy_Day_fund5.jpg" alt="" width="1201" height="4671" /></a><br />
Are Americans able to cope with unexpected expenses? One of the cornerstones of financial independence is establishing an emergency fund.</p>
<p>How confident are you that you could come up with $2,000 if an unexpected expense arose next month?</p>
<p>Click &#8220;Launch Infographic&#8221; to see a visual comparison of how well Americans are preparing for their rainy day.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.mint.com/blog/trends/stormy-weather-are-americans-prepared-for-a-rainy-day-012012/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>The Rich Index: How Much Money Do Americans Need to Be Considered Rich?</title>
		<link>http://www.mint.com/blog/consumer-iq/the-rich-index-how-much-money-do-americans-need-to-be-considered-rich-122011/</link>
		<comments>http://www.mint.com/blog/consumer-iq/the-rich-index-how-much-money-do-americans-need-to-be-considered-rich-122011/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 18:34:19 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Consumer IQ]]></category>
		<category><![CDATA[defining wealth]]></category>
		<category><![CDATA[how Americans define rich]]></category>
		<category><![CDATA[how much money to be considered rich]]></category>
		<category><![CDATA[what is rich]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=31072</guid>
		<description><![CDATA[How much money do you need to be rich? Like beauty, it seems that wealth is in the eye of the beholder. Check out this infographic for some insight on how Americans define wealth. <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2011/12/The-Rich-Index.png"><img class="alignnone size-full wp-image-30972" title="The Rich Index" src="http://www.mint.com/blog/wp-content/uploads/2011/12/The-Rich-Index.png" alt="" width="1200" height="2387" /></a></p>
<p>How much money do you need to be rich? It seems that like beauty, wealth is in the eye of the beholder. A recent Gallup poll found that Americans&#8217; perceptions of what it means to be &#8220;rich&#8221; vary by demographic group. Click &#8220;Launch Infographic&#8221; to see a visual guide on how other Americans define wealth.</p>
<p><textarea id="txtarea" style="width: 200px; height: 35px;" onclick="select()" rows="3"></textarea></p>
]]></content:encoded>
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		<slash:comments>5</slash:comments>
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		<title>Survival of the Fittest Cities: Where are Mint Users Spending the Most in the Gym?</title>
		<link>http://www.mint.com/blog/trends/survival-of-the-fittest-cities-where-are-mint-users-spending-the-most-in-the-gym-122011/</link>
		<comments>http://www.mint.com/blog/trends/survival-of-the-fittest-cities-where-are-mint-users-spending-the-most-in-the-gym-122011/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 23:51:02 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Trends]]></category>
		<category><![CDATA[average gym spending]]></category>
		<category><![CDATA[how much to spend on a gym membership]]></category>
		<category><![CDATA[national cost of gym memberships]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=30970</guid>
		<description><![CDATA[Getting fit is one of the top New Year's resolutions. Here is a breakdown of how much mint.com users are spending on gym memberships. How does your state compare? <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2011/12/MINT-gym_spending-a.png"><img class="alignnone size-full wp-image-30972" title="MINT-gym_spending-a" src="http://www.mint.com/blog/wp-content/uploads/2011/12/MINT-gym_spending-a.png" alt="" width="1200" height="2387" /></a></p>
<p>Getting fit is one of the top New Year&#8217;s resolutions. Here is a breakdown of how much mint.com users are spending on gym memberships. How does your state compare?</p>
<p><textarea id="txtarea" style="width: 200px; height: 35px;" onclick="select()" rows="3"></textarea></p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<title>U.S.A vs. China: A Visual Comparison of the World&#8217;s Largest Economies</title>
		<link>http://www.mint.com/blog/trends/u-s-a-vs-china-122011/</link>
		<comments>http://www.mint.com/blog/trends/u-s-a-vs-china-122011/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 19:39:45 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Trends]]></category>
		<category><![CDATA[china and the US]]></category>
		<category><![CDATA[china vs USA]]></category>
		<category><![CDATA[china's economic growth]]></category>
		<category><![CDATA[how china compares to the united states]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=30768</guid>
		<description><![CDATA[In terms of GDP, the U.S. is still number one in the world; but in terms of economic growth, China is running circles around the competition. This comparison of the U.S. and China reveals many of the economic indicators that make these two nations so powerful. <!--more-->]]></description>
			<content:encoded><![CDATA[<p>
<a href="http://www.mint.com/blog/wp-content/uploads/2011/12/USA-vs.-China.png"><img class="alignnone size-full wp-image-30767" title="USA-vs.-China" src="http://www.mint.com/blog/wp-content/uploads/2011/12/USA-vs.-China.png" alt="" width="1200" height="2714" /></a>
</p>
<p>
In terms of GDP, the U.S. is still number one in the world; but in terms of economic growth, China is running circles around the competition. Click on &#8220;Launch Infographic&#8221; to see a comparison of the U.S. and China to reveal many of the economic indicators that make these two nations so powerful.
</p>
<p><strong>Embed the above image on your site</strong></p>
<p><textarea id="txtarea" style="width: 200px; height: 35px;" onclick="select()" rows="3"><br />
		<a href="http://www.mint.com/blog/wp-content/uploads/2011/12/USA-vs.-China.png"><br />
			<img class="alignnone size-full wp-image-12783" title="U.S.A vs China" src="http://www.mint.com/blog/wp-content/uploads/2011/12/USA-vs.-China.png" alt="U.S.A. vs China"/><br />
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		<slash:comments>7</slash:comments>
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		<item>
		<title>What Is an ETF?</title>
		<link>http://www.mint.com/blog/investing/what-is-an-etf-122011/</link>
		<comments>http://www.mint.com/blog/investing/what-is-an-etf-122011/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 22:34:28 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded fund]]></category>
		<category><![CDATA[investing in ETFs]]></category>
		<category><![CDATA[what is an ETF]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=30562</guid>
		<description><![CDATA[Have you ever heard of the term "exchange traded fund (ETF)?" If not, don't worry-- you aren't alone. We have a handy infographic that explains it all. <!--more-->]]></description>
			<content:encoded><![CDATA[<p> </p>
<p>If you&#8217;ve been nodding your head and pretending you know what other people mean when they talk about an &#8220;ETF&#8221;, you&#8217;re not alone. ETFs are a relatively new investment tool &#8211; but a really cool one we think you ought to know about. Click on &#8220;launch infographic&#8221; for a visual guide to the world of exchange traded funds.<a href="http://www.mint.com/blog/wp-content/uploads/2011/12/What-Is-an-ETF.png"><img class="alignnone size-full wp-image-30564" title="What Is an ETF?" src="http://www.mint.com/blog/wp-content/uploads/2011/12/What-Is-an-ETF.png" alt="" width="1200" height="3493" /></a></p>
<p><strong>Embed the above image on your site</strong><br />
<textarea id="txtarea" style="width: 200px; height: 35px;" onclick="select()" rows="3">&lt;p&gt;&lt;a href=&#8221;http://www.mint.com/blog/wp-content/uploads/2011/12/What-Is-an-ETF.png&#8221; &lt;img class=&#8221;alignnone size-full wp-image-12783&#8243; title=&#8221;What-Is-an-ETF&#8221; src=&#8221;http://www.mint.com/blog/wp-content/uploads/2011/12/What-Is-an-ETF.png&#8221; _mce_src=&#8221;http://www.mint.com/blog/wp-content/uploads/2011/12/What-Is-an-ETF.png&#8221; alt=&#8221;" width=&#8221;1200&#8243; height=&#8221;6487&#8243;&lt;/a&gt;&lt;/p&gt; &lt;p&gt;Provided by &lt;a href=&#8221;http://www.mint.com/&#8221; _mce_href=&#8221;http://www.mint.com/&#8221;&gt;Mint.com&lt;/a&gt;</textarea></p>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>A Visual Guide to US Income Distribution</title>
		<link>http://www.mint.com/blog/trends/a-visual-guide-to-us-income-distribution-122011/</link>
		<comments>http://www.mint.com/blog/trends/a-visual-guide-to-us-income-distribution-122011/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 22:12:30 +0000</pubDate>
		<dc:creator>Ross Crooks</dc:creator>
				<category><![CDATA[Trends]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income distribution]]></category>
		<category><![CDATA[states]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=30414</guid>
		<description><![CDATA[Everybody's talking about wealth disparity these days. We've created a nifty infographic that shows how one aspect of wealth -- household income -- is distributed within each state. <!--more-->]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.mint.com/blog/wp-content/uploads/2011/12/11.12.02_mint_statesofwealth-4.png"><img class="alignnone size-full wp-image-30416" title="11.12.02_mint_statesofwealth-4" src="http://www.mint.com/blog/wp-content/uploads/2011/12/11.12.02_mint_statesofwealth-4.png" alt="" width="1200" height="2474" /></a></p>
<p>Ok, so we&#8217;ve all heard about the people protesting US wealth distribution. Are the disparities in our country too great? That&#8217;s for you to decide. In the meantime, we&#8217;ve created a visual guide to how one important aspect of wealth &#8211;household income &#8212; is distributed state-by-state. Click on &#8220;launch infographic&#8221; above to take a peek at the data.</p>
]]></content:encoded>
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		<slash:comments>4</slash:comments>
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