<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd">
  <channel>
    <title>Vanguard: Plain Talk on Investing&#8482;</title>
    <link>http://odeo.com/channels/111180-Vanguard-Plain-Talk-on-Investing%E2%84%A2</link>
    <itunes:author>Vgipodcast</itunes:author>
    <itunes:explicit>no</itunes:explicit>
    <description>A series dedicated to helping you achieve financial success through practical, easy-to-follow steps. At Vanguard, we believe you can achieve your goals when you have the tools to do the job&#8212;and that&#8217;s what Plain Talk is all about.</description>
    <itunes:summary>A series dedicated to helping you achieve financial success through practical, easy-to-follow steps. At Vanguard, we believe you can achieve your goals when you have the tools to do the job&#8212;and that&#8217;s what Plain Talk is all about.</itunes:summary>
    <itunes:subtitle>Plain Talk on Investing&#8482; is a podcast series from Vanguard</itunes:subtitle>
    <language>en-us</language>
    <ttl>40</ttl>
    <itunes:image href="http://www.odeo.complaceholder-podcast.jpg"/>
    <image link="http://odeo.com/channels/111180-Vanguard-Plain-Talk-on-Investing%E2%84%A2" title="Vanguard: Plain Talk on Investing&#8482;" url="http://www.odeo.complaceholder-podcast.jpg"/>
    <pubDate>Mon, 30 Nov 2009 07:22:49 -0800</pubDate>
    <lastBuildDate>Mon, 30 Nov 2009 07:22:49 -0800</lastBuildDate>
    <category>Finance</category>
    <itunes:category text="Business">
      <itunes:category text="Investing"/>
    </itunes:category>
    <item>
      <title>Three ways to help work toward financial independence</title>
      <link>http://odeo.com/episodes/25459902-Three-ways-to-help-work-toward-financial-independence</link>
      <description>Vanguard principal Ellen Rinaldi explains three things that you can do in order to better prepare for financial independence in your retirement years.</description>
      <itunes:subtitle>Vanguard principal Ellen Rinaldi explains three things that you can do in order to better prepare for financial independence in your retirement years.</itunes:subtitle>
      <itunes:summary>Vanguard principal Ellen Rinaldi explains three things that you can do in order to better prepare for financial independence in your retirement years.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-11-30,25459902</guid>
      <pubDate>Mon, 30 Nov 2009 07:22:49 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTFinIndepend11162009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>5 myths of 529s</title>
      <link>http://odeo.com/episodes/25459903-5-myths-of-529s</link>
      <description>Vanguard's Alba Martinez dispels 5 myths about 529 college savings plans to help you tell fact from fluff. (6:07)</description>
      <itunes:subtitle>Vanguard's Alba Martinez dispels 5 myths about 529 college savings plans to help you tell fact from fluff. (6:07)</itunes:subtitle>
      <itunes:summary>Vanguard's Alba Martinez dispels 5 myths about 529 college savings plans to help you tell fact from fluff. (6:07)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-11-16,25459903</guid>
      <pubDate>Mon, 16 Nov 2009 05:26:54 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/Pod529Myths112009.mp3 "/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Target-date funds and the financial crisis</title>
      <link>http://odeo.com/episodes/25398067-Target-date-funds-and-the-financial-crisis</link>
      <description>Target-date funds suffered slightly less than the overall stock market during the financial crisis. In this podcast, retirement expert John Ameriks of Vanguard Investment Counseling &amp;amp; Research discusses target-date funds and the merits of this &amp;quot;simple&amp;quot; approach to investing.</description>
      <itunes:subtitle>Target-date funds suffered slightly less than the overall stock market during the financial crisis. In this podcast, retirement expert John Ameriks of Vanguard Investment Counseling &amp;amp; Research discusses target-date funds and the merits of this &amp;quot;simple&amp;quot; approach to investing.</itunes:subtitle>
      <itunes:summary>Target-date funds suffered slightly less than the overall stock market during the financial crisis. In this podcast, retirement expert John Ameriks of Vanguard Investment Counseling &amp;amp; Research discusses target-date funds and the merits of this &amp;quot;simple&amp;quot; approach to investing.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-10-27,25398067</guid>
      <pubDate>Tue, 27 Oct 2009 09:05:11 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTTargetdatefunds09142009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Target-date funds and the financial crisis</title>
      <link>http://odeo.com/episodes/25459905-Target-date-funds-and-the-financial-crisis</link>
      <description>Vanguard retirement expert John Ameriks discusses target-date funds, how to pick them, and what you should be aware of in terms of risk.</description>
      <itunes:subtitle>Vanguard retirement expert John Ameriks discusses target-date funds, how to pick them, and what you should be aware of in terms of risk.</itunes:subtitle>
      <itunes:summary>Vanguard retirement expert John Ameriks discusses target-date funds, how to pick them, and what you should be aware of in terms of risk.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-10-27,25459905</guid>
      <pubDate>Tue, 27 Oct 2009 08:05:57 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTTargetdatefunds09142009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>You can afford college</title>
      <link>http://odeo.com/episodes/25459907-You-can-afford-college</link>
      <description>Lynn O'Shaughnessy, a financial journalist and author, details how you can afford college for your children. (8:41)</description>
      <itunes:subtitle>Lynn O'Shaughnessy, a financial journalist and author, details how you can afford college for your children. (8:41)</itunes:subtitle>
      <itunes:summary>Lynn O'Shaughnessy, a financial journalist and author, details how you can afford college for your children. (8:41)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-09-28,25459907</guid>
      <pubDate>Mon, 28 Sep 2009 14:00:37 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTCollegeSavings09082008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Is buy-and-hold still the way to go?</title>
      <link>http://odeo.com/episodes/25459911-Is-buy-and-hold-still-the-way-to-go</link>
      <description>Fran Kinniry of Vanguard Investment Strategy Group explains how a buy-and-hold strategy is useful for both retired and young investors. (8:19)</description>
      <itunes:subtitle>Fran Kinniry of Vanguard Investment Strategy Group explains how a buy-and-hold strategy is useful for both retired and young investors. (8:19)</itunes:subtitle>
      <itunes:summary>Fran Kinniry of Vanguard Investment Strategy Group explains how a buy-and-hold strategy is useful for both retired and young investors. (8:19)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-08-24,25459911</guid>
      <pubDate>Mon, 24 Aug 2009 16:40:38 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTBuyandhold08242009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Is "buy and hold" still the way to go?</title>
      <link>http://odeo.com/episodes/25015237-Is-buy-and-hold-still-the-way-to-go</link>
      <description>Most investors are probably familiar with the phrase &amp;quot;buy and hold.&amp;quot; But there&#8217;s more to investing than buying and holding. An important part of investing is maintaining an asset allocation appropriate for your objectives, time horizon, and risk tolerance. In this episode, we speak with Fran Kinniry of Vanguard&#8217;s Investment Strategy Group to learn more about the ins and outs of buy-and-hold, or stay-the-course, investing. Mr. Kinniry explains how a buy-and-hold strategy is useful for both retired and young investors. He also stresses the importance of staying in the market despite the emotional inclination to sell out amid market turbulence.</description>
      <itunes:subtitle>Most investors are probably familiar with the phrase &amp;quot;buy and hold.&amp;quot; But there&#8217;s more to investing than buying and holding. An important part of investing is maintaining an asset allocation appropriate for your objectives, time horizon, and risk tolerance. In this episode, we speak with Fran Kinniry of Vanguard&#8217;s Investment Strategy Group to learn more about the ins and outs of buy-and-hold, or stay-the-course, investing. Mr. Kinniry explains how a buy-and-hold strategy is useful for both retired and young investors. He also stresses the importance of staying in the market despite the emotional inclination to sell out amid market turbulence.</itunes:subtitle>
      <itunes:summary>Most investors are probably familiar with the phrase &amp;quot;buy and hold.&amp;quot; But there&#8217;s more to investing than buying and holding. An important part of investing is maintaining an asset allocation appropriate for your objectives, time horizon, and risk tolerance. In this episode, we speak with Fran Kinniry of Vanguard&#8217;s Investment Strategy Group to learn more about the ins and outs of buy-and-hold, or stay-the-course, investing. Mr. Kinniry explains how a buy-and-hold strategy is useful for both retired and young investors. He also stresses the importance of staying in the market despite the emotional inclination to sell out amid market turbulence.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-08-24,25015237</guid>
      <pubDate>Mon, 24 Aug 2009 11:22:21 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTBuyandhold08242009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Managing withdrawals in retirement</title>
      <link>http://odeo.com/episodes/25459912-Managing-withdrawals-in-retirement</link>
      <description>How can you make the best use of your savings during retirement? This podcast discusses the principles of how to invest after you retire.</description>
      <itunes:subtitle>How can you make the best use of your savings during retirement? This podcast discusses the principles of how to invest after you retire.</itunes:subtitle>
      <itunes:summary>How can you make the best use of your savings during retirement? This podcast discusses the principles of how to invest after you retire.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-27,25459912</guid>
      <pubDate>Mon, 27 Jul 2009 14:35:48 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Managing withdrawals in retirement</title>
      <link>http://odeo.com/episodes/24876078-Managing-withdrawals-in-retirement</link>
      <description>John Ameriks, a senior investment analyst with Vanguard Investment Counseling and Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</description>
      <itunes:subtitle>John Ameriks, a senior investment analyst with Vanguard Investment Counseling and Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</itunes:subtitle>
      <itunes:summary>John Ameriks, a senior investment analyst with Vanguard Investment Counseling and Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-27,24876078</guid>
      <pubDate>Mon, 27 Jul 2009 13:18:47 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Managing withdrawals in retirement</title>
      <link>http://odeo.com/episodes/24874502-Managing-withdrawals-in-retirement</link>
      <description>John Ameriks, a senior investment analyst with Vanguard Investment Counseling &amp;amp;amp; Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</description>
      <itunes:subtitle>John Ameriks, a senior investment analyst with Vanguard Investment Counseling &amp;amp;amp; Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</itunes:subtitle>
      <itunes:summary>John Ameriks, a senior investment analyst with Vanguard Investment Counseling &amp;amp;amp; Research, talks about simple, sensible ways to draw down your savings and manage your finances after you retire.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-27,24874502</guid>
      <pubDate>Mon, 27 Jul 2009 07:41:52 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Saving for college automatically </title>
      <link>http://odeo.com/episodes/24834622-Saving-for-college-automatically</link>
      <description>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</description>
      <itunes:subtitle>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</itunes:subtitle>
      <itunes:summary>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-20,24834622</guid>
      <pubDate>Mon, 20 Jul 2009 09:47:34 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPT529DCA082009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Saving for college automatically </title>
      <link>http://odeo.com/episodes/24858700-Saving-for-college-automatically</link>
      <description>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</description>
      <itunes:subtitle>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</itunes:subtitle>
      <itunes:summary>The cost of a college education seems to grow by the minute, and many parents think they&#8217;ll never be able to keep up. In this special episode from Vanguard&#8217;s Plain Talk on Investing podcast series, Alba Martinez of our Education Markets Group talks with principal Ellen Rinaldi about the advantages of an &amp;quot;automated&amp;quot; approach to saving. By investing in small increments on a regular schedule--in bad markets as well as good ones--you may be able to build up a sizeable college fund faster and more easily than you think.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-20,24858700</guid>
      <pubDate>Mon, 20 Jul 2009 08:07:41 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPT529DCA082009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Simple rules for sound investing</title>
      <link>http://odeo.com/episodes/25459926-Simple-rules-for-sound-investing</link>
      <description>Allan Roth, author and founder of Wealth Logic, LLC, explains how everything we need to know about investing, we've learned by second grade. (9:09)</description>
      <itunes:subtitle>Allan Roth, author and founder of Wealth Logic, LLC, explains how everything we need to know about investing, we've learned by second grade. (9:09)</itunes:subtitle>
      <itunes:summary>Allan Roth, author and founder of Wealth Logic, LLC, explains how everything we need to know about investing, we've learned by second grade. (9:09)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-13,25459926</guid>
      <pubDate>Mon, 13 Jul 2009 14:23:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Simple rules for sound investing</title>
      <link>http://odeo.com/episodes/24797747-Simple-rules-for-sound-investing</link>
      <description>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</description>
      <itunes:subtitle>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</itunes:subtitle>
      <itunes:summary>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-13,24797747</guid>
      <pubDate>Mon, 13 Jul 2009 08:53:06 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Simple rules for sound investing</title>
      <link>http://odeo.com/episodes/24858701-Simple-rules-for-sound-investing</link>
      <description>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</description>
      <itunes:subtitle>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</itunes:subtitle>
      <itunes:summary>With the financial markets weathering extreme volatility over the last year, investing can seem more complex than ever. It doesn&#8217;t have to be, says Allan S. Roth, the founder of Wealth Logic, LLC, a financial planning and investment advisory firm. In his book, &amp;quot;How A Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn,&amp;quot; Mr. Roth and his son Kevin illustrate that adults tend to make investing much more complex than necessary&#8212;even destructive&#8212;and that everything we need to know about investing, we&#8217;ve learned by second grade.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-07-13,24858701</guid>
      <pubDate>Mon, 13 Jul 2009 08:08:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>New to investing? Learn how to get started</title>
      <link>http://odeo.com/episodes/24754249-New-to-investing-Learn-how-to-get-started</link>
      <description>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</description>
      <itunes:subtitle>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</itunes:subtitle>
      <itunes:summary>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-06-22,24754249</guid>
      <pubDate>Mon, 22 Jun 2009 12:23:14 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTGettingStarted06222009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>New to investing? Learn how to get started</title>
      <link>http://odeo.com/episodes/24858702-New-to-investing-Learn-how-to-get-started</link>
      <description>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</description>
      <itunes:subtitle>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</itunes:subtitle>
      <itunes:summary>If you&#8217;re new to investing&#8212;whether you&#8217;re right out of school or getting started in your 30s or 40s&#8212;you may not know where to begin. In this podcast, Karen Blumenthal, author of The Wall Street Journal Guide to Starting Your Financial Life, discusses some smart investment strategies that can help you take control of your money and get on your way to lifelong financial independence.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-06-22,24858702</guid>
      <pubDate>Mon, 22 Jun 2009 08:08:48 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTGettingStarted06222009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Should I skip my 2009 RMD?</title>
      <link>http://odeo.com/episodes/24697613-Should-I-skip-my-2009-RMD</link>
      <description>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</description>
      <itunes:subtitle>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:subtitle>
      <itunes:summary>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-06-01,24697613</guid>
      <pubDate>Mon, 01 Jun 2009 13:33:04 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTSkippingRMDs06012009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Should I skip my 2009 RMD?</title>
      <link>http://odeo.com/episodes/24637785-Should-I-skip-my-2009-RMD</link>
      <description>Recent legislation allows you to skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</description>
      <itunes:subtitle>Recent legislation allows you to skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:subtitle>
      <itunes:summary>Recent legislation allows you to skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-06-01,24637785</guid>
      <pubDate>Mon, 01 Jun 2009 08:50:33 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTSkippingRMDs06012009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Should I skip my 2009 RMD?</title>
      <link>http://odeo.com/episodes/24707281-Should-I-skip-my-2009-RMD</link>
      <description>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</description>
      <itunes:subtitle>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:subtitle>
      <itunes:summary>Recent legislation lets you skip your 2009 required minimum distribution (RMD). If you&#8217;re age 70&#189; or older, this could mean keeping some of your assets in your portfolio for longer to recover from the recent market downturn. Ellen Rinaldi, a Vanguard principal, gives a brief explanation of RMDs and discusses the advantages of skipping them.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-06-01,24707281</guid>
      <pubDate>Mon, 01 Jun 2009 07:13:48 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTSkippingRMDs06012009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Prepare for your future with a trust</title>
      <link>http://odeo.com/episodes/25459927-Prepare-for-your-future-with-a-trust</link>
      <description>Stephani Smith, a principal in Vanguard Asset Management Services, describes how a trust can complement your other saving and investing goals. (10:29)</description>
      <itunes:subtitle>Stephani Smith, a principal in Vanguard Asset Management Services, describes how a trust can complement your other saving and investing goals. (10:29)</itunes:subtitle>
      <itunes:summary>Stephani Smith, a principal in Vanguard Asset Management Services, describes how a trust can complement your other saving and investing goals. (10:29)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-05-11,25459927</guid>
      <pubDate>Mon, 11 May 2009 08:49:19 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTTrusts05112009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Prepare for your future with a trust</title>
      <link>http://odeo.com/episodes/24555416-Prepare-for-your-future-with-a-trust</link>
      <description>A trust can be a valuable tool in helping to control the distribution of an investor's assets after he or she has passed away. In this episode, we spoke to Stephani Smith, a principal in Vanguard Asset Management Services&#8482;, to learn more about the ins and outs of trusts. Ms. Smith discusses the two basic trust types&#8212;revocable and irrevocable. She also describes how a trust can complement your other saving and investing goals and explains why it's very important to seek the guidance of an attorney in developing the trust document.</description>
      <itunes:subtitle>A trust can be a valuable tool in helping to control the distribution of an investor's assets after he or she has passed away. In this episode, we spoke to Stephani Smith, a principal in Vanguard Asset Management Services&#8482;, to learn more about the ins and outs of trusts. Ms. Smith discusses the two basic trust types&#8212;revocable and irrevocable. She also describes how a trust can complement your other saving and investing goals and explains why it's very important to seek the guidance of an attorney in developing the trust document.</itunes:subtitle>
      <itunes:summary>A trust can be a valuable tool in helping to control the distribution of an investor's assets after he or she has passed away. In this episode, we spoke to Stephani Smith, a principal in Vanguard Asset Management Services&#8482;, to learn more about the ins and outs of trusts. Ms. Smith discusses the two basic trust types&#8212;revocable and irrevocable. She also describes how a trust can complement your other saving and investing goals and explains why it's very important to seek the guidance of an attorney in developing the trust document.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-05-11,24555416</guid>
      <pubDate>Mon, 11 May 2009 08:08:59 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTTrusts05112009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a tough market, indexing passes the test</title>
      <link>http://odeo.com/episodes/25459928-In-a-tough-market-indexing-passes-the-test</link>
      <description>Vanguard's chief investment officer, Gus Sauter, says our faith in indexing hasn't been shaken by the market downturn.</description>
      <itunes:subtitle>Vanguard's chief investment officer, Gus Sauter, says our faith in indexing hasn't been shaken by the market downturn.</itunes:subtitle>
      <itunes:summary>Vanguard's chief investment officer, Gus Sauter, says our faith in indexing hasn't been shaken by the market downturn.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-04-27,25459928</guid>
      <pubDate>Mon, 27 Apr 2009 14:23:48 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mp3" url="https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a tough market, indexing passes the test</title>
      <link>http://odeo.com/episodes/24697614-In-a-tough-market-indexing-passes-the-test</link>
      <description>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</description>
      <itunes:subtitle>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</itunes:subtitle>
      <itunes:summary>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-04-27,24697614</guid>
      <pubDate>Mon, 27 Apr 2009 09:20:19 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a tough market, indexing passes the test</title>
      <link>http://odeo.com/episodes/24508871-In-a-tough-market-indexing-passes-the-test</link>
      <description>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</description>
      <itunes:subtitle>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</itunes:subtitle>
      <itunes:summary>Lately, some of our shareholders have been asking whether Vanguard still believes in indexing--that is, investing in a collection of securities that tries to track the performance of an established benchmark, rather than attempting to &amp;quot;beat the market.&amp;quot; We spoke to Vanguard&#8217;s chief investment officer, Gus Sauter, who says our faith in indexing hasn&#8217;t been shaken. In fact, we&#8217;re convinced it makes more sense than ever.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-04-27,24508871</guid>
      <pubDate>Mon, 27 Apr 2009 07:07:24 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Estate planning in tough economic times</title>
      <link>http://odeo.com/episodes/25398070-Estate-planning-in-tough-economic-times</link>
      <description>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</description>
      <itunes:subtitle>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</itunes:subtitle>
      <itunes:summary>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-30,25398070</guid>
      <pubDate>Mon, 30 Mar 2009 07:22:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTEstate03302009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Estate planning in tough economic times</title>
      <link>http://odeo.com/episodes/24386638-Estate-planning-in-tough-economic-times</link>
      <description>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</description>
      <itunes:subtitle>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</itunes:subtitle>
      <itunes:summary>If you don&#8217;t have an estate plan or haven&#8217;t updated an existing plan in several years, now may be a good time to give some thought to this important part of your financial life. In this podcast episode, Martin Riehl, who leads Vanguard Asset Management Services&#8482;, discusses how the current economic and market downturn could affect your estate planning. He also talks about the latest developments with the federal estate tax and explains why almost everyone can benefit from having an estate plan.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-30,24386638</guid>
      <pubDate>Mon, 30 Mar 2009 06:22:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTEstate03302009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Help maximize your retirement savings</title>
      <link>http://odeo.com/episodes/25398072-Help-maximize-your-retirement-savings</link>
      <description>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</description>
      <itunes:subtitle>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</itunes:subtitle>
      <itunes:summary>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-09,25398072</guid>
      <pubDate>Mon, 09 Mar 2009 12:58:42 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTMaxIRA03092009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Help maximize your retirement savings</title>
      <link>http://odeo.com/episodes/24301672-Help-maximize-your-retirement-savings</link>
      <description>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</description>
      <itunes:subtitle>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</itunes:subtitle>
      <itunes:summary>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using your IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jump-start your retirement savings. (9:38)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-09,24301672</guid>
      <pubDate>Mon, 09 Mar 2009 11:58:42 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTMaxIRA03092009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Update on Vanguard Treasury money market funds</title>
      <link>http://odeo.com/episodes/25398074-Update-on-Vanguard-Treasury-money-market-funds</link>
      <description>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</description>
      <itunes:subtitle>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</itunes:subtitle>
      <itunes:summary>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-09,25398074</guid>
      <pubDate>Mon, 09 Mar 2009 08:30:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTMoneyMkts03092009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Update on Vanguard Treasury money market funds</title>
      <link>http://odeo.com/episodes/24279041-Update-on-Vanguard-Treasury-money-market-funds</link>
      <description>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</description>
      <itunes:subtitle>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</itunes:subtitle>
      <itunes:summary>Vanguard's Treasury money market funds were closed to new accounts in January 2009. Portfolio manager David Glocke discusses additional changes affecting the two funds, and assesses the outlook for money markets in general.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-09,24279041</guid>
      <pubDate>Mon, 09 Mar 2009 07:30:16 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTMoneyMkts03092009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title> Help maximize your retirement savings</title>
      <link>http://odeo.com/episodes/24279042-Help-maximize-your-retirement-savings</link>
      <description>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using you&#8217;re IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jumpstart your retirement savings. (9:38)</description>
      <itunes:subtitle>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using you&#8217;re IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jumpstart your retirement savings. (9:38)</itunes:subtitle>
      <itunes:summary>Studies show that Americans are becoming increasingly less confident in their ability to afford a comfortable retirement. Are you worried that you aren&#8217;t saving enough? One way to help increase your confidence in your retirement savings is to make sure you&#8217;re using you&#8217;re IRA to its full advantage. In this podcast episode, Vanguard principal Ellen Rinaldi explains the benefits of IRAs and what you can do to jumpstart your retirement savings. (9:38)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-03-09,24279042</guid>
      <pubDate>Mon, 09 Mar 2009 07:23:20 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTMaxIRA03092009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Location, location, location</title>
      <link>http://odeo.com/episodes/24279043-Location-location-location</link>
      <description>Just as some types of accounts offer more tax advantages than others, some securities tend to produce significantly more taxable capital gains than others. Organizing your portfolio with an eye toward tax efficiency&#8212;by putting the right types of investments in the right types of accounts&#8212;can affect your bottom line. (7:02)</description>
      <itunes:subtitle>Just as some types of accounts offer more tax advantages than others, some securities tend to produce significantly more taxable capital gains than others. Organizing your portfolio with an eye toward tax efficiency&#8212;by putting the right types of investments in the right types of accounts&#8212;can affect your bottom line. (7:02)</itunes:subtitle>
      <itunes:summary>Just as some types of accounts offer more tax advantages than others, some securities tend to produce significantly more taxable capital gains than others. Organizing your portfolio with an eye toward tax efficiency&#8212;by putting the right types of investments in the right types of accounts&#8212;can affect your bottom line. (7:02)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-02-27,24279043</guid>
      <pubDate>Fri, 27 Feb 2009 06:35:55 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTLocation02172009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>How to close a gap in your retirement savings</title>
      <link>http://odeo.com/episodes/24192930-How-to-close-a-gap-in-your-retirement-savings</link>
      <description>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</description>
      <itunes:subtitle>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</itunes:subtitle>
      <itunes:summary>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-02-09,24192930</guid>
      <pubDate>Mon, 09 Feb 2009 11:52:51 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTCloseGap02132009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>How to close a gap in your retirement savings</title>
      <link>http://odeo.com/episodes/24279044-How-to-close-a-gap-in-your-retirement-savings</link>
      <description>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</description>
      <itunes:subtitle>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</itunes:subtitle>
      <itunes:summary>If the market downturn has put you behind schedule on the road to a financially secure retirement, you need to act quickly, decisively, and carefully. Fortunately, it is possible to rebuild your retirement savings in a fairly short period of time, as Vanguard principal Ellen Rinaldi explains. (11:29)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-02-09,24279044</guid>
      <pubDate>Mon, 09 Feb 2009 10:52:51 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTCloseGap02132009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Finding balance in uncertain times</title>
      <link>http://odeo.com/episodes/24017910-Finding-balance-in-uncertain-times</link>
      <description>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</description>
      <itunes:subtitle>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</itunes:subtitle>
      <itunes:summary>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-02-02,24017910</guid>
      <pubDate>Mon, 02 Feb 2009 06:16:45 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTRebalance01232009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Finding balance in uncertain times</title>
      <link>http://odeo.com/episodes/24279045-Finding-balance-in-uncertain-times</link>
      <description>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</description>
      <itunes:subtitle>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</itunes:subtitle>
      <itunes:summary>With the stock market in a slump, the equity component of your portfolio may have declined relative to your bond and cash holdings, even if you haven&#8217;t made a single transaction. As a result, your asset allocation could be significantly off target. Periodically rebalancing your portfolio can help you keep you on track to reaching your investment goals, as Vanguard&#8217;s Catherine Gordon explains. (6:57)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-02-02,24279045</guid>
      <pubDate>Mon, 02 Feb 2009 05:16:45 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTRebalance01232009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Can thrift make a comeback?</title>
      <link>http://odeo.com/episodes/23968393-Can-thrift-make-a-comeback</link>
      <description>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</description>
      <itunes:subtitle>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</itunes:subtitle>
      <itunes:summary>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-26,23968393</guid>
      <pubDate>Mon, 26 Jan 2009 07:49:37 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTthrift01122009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Can thrift make a comeback?</title>
      <link>http://odeo.com/episodes/24279046-Can-thrift-make-a-comeback</link>
      <description>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</description>
      <itunes:subtitle>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</itunes:subtitle>
      <itunes:summary>The personal savings rate among Americans has been on the decline for more than 20 years, but recent statistics show that thrift may be making a comeback as a result of the economic downturn. Ron Wilcox, Ph.D., a business professor at the University of Virginia, discusses personal savings situation. He also offers insight on how you can become a better saver and he explains why it&#8217;s important to pay attention to investment costs. (10:57)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-26,24279046</guid>
      <pubDate>Mon, 26 Jan 2009 06:49:37 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTthrift01122009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Start the new year right</title>
      <link>http://odeo.com/episodes/23868814-Start-the-new-year-right</link>
      <description>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</description>
      <itunes:subtitle>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</itunes:subtitle>
      <itunes:summary>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-12,23868814</guid>
      <pubDate>Mon, 12 Jan 2009 05:35:55 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTNewyear01122009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Start the new year right</title>
      <link>http://odeo.com/episodes/24279047-Start-the-new-year-right</link>
      <description>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</description>
      <itunes:subtitle>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</itunes:subtitle>
      <itunes:summary>The beginning of a new year is an opportunity to reflect on what you accomplished last year and what you hope to achieve in the months ahead. And that's just as true for your portfolio as for other aspects of your life. Catherine Gordon of Vanguard's Institutional Asset Management group says that if you&#8217;re making New Year's resolutions, giving your investments a checkup should be near the top of the list. (8:09)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-12,24279047</guid>
      <pubDate>Mon, 12 Jan 2009 04:35:55 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTNewyear01122009.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Saving for college in a rocky market</title>
      <link>http://odeo.com/episodes/23841044-Saving-for-college-in-a-rocky-market</link>
      <description>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</description>
      <itunes:subtitle>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</itunes:subtitle>
      <itunes:summary>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-06,23841044</guid>
      <pubDate>Tue, 06 Jan 2009 13:57:26 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPT529update12312008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Saving for college in a rocky market</title>
      <link>http://odeo.com/episodes/24279048-Saving-for-college-in-a-rocky-market</link>
      <description>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</description>
      <itunes:subtitle>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</itunes:subtitle>
      <itunes:summary>Even with the U.S. economy struggling to regain its footing, college costs have continued to soar. In this podcast, Alba Martinez of Vanguard's Education Markets Group talks about how recent difficulties in the stock market have affected 529 college savings plans. Despite the market's painful downturn, Ms. Martinez says, investing regularly remains your best option for affording higher education. (6:34)</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2009-01-06,24279048</guid>
      <pubDate>Tue, 06 Jan 2009 12:57:26 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPT529update12312008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>History never quite repeats itself</title>
      <link>http://odeo.com/episodes/23841045-History-never-quite-repeats-itself</link>
      <description>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</description>
      <itunes:subtitle>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</itunes:subtitle>
      <itunes:summary>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-12-01,23841045</guid>
      <pubDate>Mon, 01 Dec 2008 06:51:26 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTUsinghistory12012008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>History never quite repeats itself</title>
      <link>http://odeo.com/episodes/24279049-History-never-quite-repeats-itself</link>
      <description>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</description>
      <itunes:subtitle>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</itunes:subtitle>
      <itunes:summary>In this podcast, Joe Brennan of Vanguard&#8217;s Portfolio Review Department discusses today&#8217;s volatile conditions, along with historic economic events. Joe explains how today&#8217;s enviroment is similar in some ways to past events, and highlights some distinct differences.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-12-01,24279049</guid>
      <pubDate>Mon, 01 Dec 2008 05:51:26 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTUsinghistory12012008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a bear market, take the long view</title>
      <link>http://odeo.com/episodes/23841046-In-a-bear-market-take-the-long-view</link>
      <description>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</description>
      <itunes:subtitle>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:subtitle>
      <itunes:summary>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-11-10,23841046</guid>
      <pubDate>Mon, 10 Nov 2008 06:51:39 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTvolatility11102008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a bear market, take the long view</title>
      <link>http://odeo.com/episodes/23600875-In-a-bear-market-take-the-long-view</link>
      <description>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</description>
      <itunes:subtitle>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:subtitle>
      <itunes:summary>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-11-10,23600875</guid>
      <pubDate>Mon, 10 Nov 2008 06:37:11 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTvolatility11102008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>In a bear market, take the long view</title>
      <link>http://odeo.com/episodes/24279050-In-a-bear-market-take-the-long-view</link>
      <description>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</description>
      <itunes:subtitle>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:subtitle>
      <itunes:summary>Vanguard Chief Investment Officer Gus Sauter explains that bear markets are a fact of life, and that the best way to keep your balance when your portfolio is shrinking is to look at the big picture and keep a long-term perspective.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-11-10,24279050</guid>
      <pubDate>Mon, 10 Nov 2008 05:51:39 -0800</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTvolatility11102008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Affording health care in retirement</title>
      <link>http://odeo.com/episodes/23600876-Affording-health-care-in-retirement</link>
      <description>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</description>
      <itunes:subtitle>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</itunes:subtitle>
      <itunes:summary>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-09-29,23600876</guid>
      <pubDate>Mon, 29 Sep 2008 14:21:29 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTHealthCare09292008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
    <item>
      <title>Affording health care in retirement</title>
      <link>http://odeo.com/episodes/23419839-Affording-health-care-in-retirement</link>
      <description>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</description>
      <itunes:subtitle>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</itunes:subtitle>
      <itunes:summary>Vanguard retirement expert John Ameriks talks about how to pay for health care during retirement&#8212;and why it's essential to plan ahead.</itunes:summary>
      <guid isPermaLink="false">tag:odeo.com,2008-09-29,23419839</guid>
      <pubDate>Mon, 29 Sep 2008 13:21:29 -0700</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <enclosure type="audio/mpeg" url="https://personal.vanguard.com/web/audio/PodPTHealthCare09292008.mp3"/>
      <itunes:author>Vanguard: Plain Talk on Investing&#8482;</itunes:author>
    </item>
  </channel>
</rss>
