<?xml version='1.0' encoding='UTF-8'?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"
xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>http://www.carefulmoney.com/about-fundex-info.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/about-fundex.html</loc>
		<lastmod>2007-11-02T14:14:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/ad_left.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/ad_right.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/advisor-photo.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/advisor_info-info.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/advisor_info-main.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/advisor_info.html</loc>
		<lastmod>2007-11-02T14:14:14Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/cartoons.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/commentary-info.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/commentary.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/commentary.html</loc>
		<lastmod>2007-11-02T14:14:30Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/confirmation-form.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/contact-us-info.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/contact_us-main.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/contact_us.html</loc>
		<lastmod>2007-11-02T14:14:42Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/contents.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/disclaimer.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/email-privacy-policy.htm</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/footer.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/games.htm</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/googled204cb0e099766b6.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/index.html</loc>
		<lastmod>2007-11-02T14:15:17Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/links-right.htm</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/mailinglist.htm</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/map.htm</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/our-services-info.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/our-services-main.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/our-services.html</loc>
		<lastmod>2007-11-02T14:15:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/privacy.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/robots.txt</loc>
		<lastmod>2007-11-02T14:22:12Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/services.html</loc>
		<lastmod>2005-11-24T14:39:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/sitemap.xml</loc>
		<lastmod>2007-08-20T18:18:54Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/start.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/start_content.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/tax-talk-info.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/tax-talk.htm</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/tell-a-friend-main.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/tell-a-friend.htm</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/borrowing/credit-cards.html</loc>
		<lastmod>2007-11-02T14:17:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/borrowing/leveraging.html</loc>
		<lastmod>2007-11-02T14:17:04Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/borrowing/mortgages.html</loc>
		<lastmod>2007-11-02T14:17:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/borrowing/rsp-loans.html</loc>
		<lastmod>2005-06-09T14:40:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/cartoons/index.html</loc>
		<lastmod>2007-05-24T13:15:52Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/ask.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/bulletin-banner.htm</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/current-issue.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/disclaimers-enewsletter.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/e-newsletter-info.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/e-newsletter-main.html</loc>
		<lastmod>2007-11-02T14:20:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/index.html</loc>
		<lastmod>2007-11-02T14:17:38Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/privacy-enewsletter.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/December2004.html</loc>
		<lastmod>2007-05-24T13:15:52Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/November2004.html</loc>
		<lastmod>2007-05-24T13:15:52Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/October2004.html</loc>
		<lastmod>2007-05-24T13:15:52Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/September2004.html</loc>
		<lastmod>2007-05-24T13:15:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-1.htm</loc>
		<lastmod>2006-03-21T18:05:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-2.htm</loc>
		<lastmod>2006-03-21T18:05:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-3.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-4.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-5.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-09/cfpg09-2004-6.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-10/cfpg10-2004-1.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-10/cfpg10-2004-2.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-10/cfpg10-2004-3.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-10/cfpg10-2004-4.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-11/cfpg11-2004-1.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-11/cfpg11-2004-2.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-11/cfpg11-2004-3.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-11/cfpg11-2004-4.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-11/cfpg11-2004-5.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-12/cfpg12-2004-1.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-12/cfpg12-2004-2.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-12/cfpg12-2004-3.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-12/cfpg12-2004-4.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2004/2004-12/cfpg12-2004-5.htm</loc>
		<lastmod>2006-03-21T18:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/April2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/August2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/December2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/February2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/January2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/July2005.html</loc>
		<lastmod>2007-05-24T13:15:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/June2005.html</loc>
		<lastmod>2007-05-24T13:16:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/March2005.html</loc>
		<lastmod>2007-05-24T13:16:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/May2005.html</loc>
		<lastmod>2007-05-24T13:16:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/November2005.html</loc>
		<lastmod>2007-05-24T13:16:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/October2005.html</loc>
		<lastmod>2007-05-24T13:16:01Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/September2005.html</loc>
		<lastmod>2007-05-24T13:16:01Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-01/cfpg01-2005-1.htm</loc>
		<lastmod>2006-04-25T22:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-01/cfpg01-2005-2.htm</loc>
		<lastmod>2006-04-25T22:20:18Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-01/cfpg01-2005-3.htm</loc>
		<lastmod>2006-04-25T22:18:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-01/cfpg01-2005-4.htm</loc>
		<lastmod>2006-04-25T22:21:18Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-02/cfpg02-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-02/cfpg02-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-02/cfpg02-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-02/cfpg02-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-03/cfpg03-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-03/cfpg03-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-03/cfpg03-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-03/cfpg03-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-03/cfpg03-2005-5.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-04/cfpg04-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-04/cfpg04-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-04/cfpg04-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-04/cfpg04-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-04/cfpg04-2005-6.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-05/cfpg05-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-05/cfpg05-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-05/cfpg05-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-05/cfpg05-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-06/cfpg06-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-06/cfpg06-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-06/cfpg06-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-06/cfpg06-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-06/cfpg06-2005-5.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-5.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-07/cfpg07-2005-6.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-08/cfpg08-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-08/cfpg08-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-08/cfpg08-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-08/cfpg08-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-08/cfpg08-2005-5.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-09/cfpg09-2005-1.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-09/cfpg09-2005-2.htm</loc>
		<lastmod>2006-03-21T18:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-09/cfpg09-2005-3.htm</loc>
		<lastmod>2006-03-21T18:06:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-09/cfpg09-2005-4.htm</loc>
		<lastmod>2006-03-21T18:06:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-09/cfpg09-2005-5.htm</loc>
		<lastmod>2006-03-21T18:06:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-10/cfpg10-2005-1.htm</loc>
		<lastmod>2006-09-29T12:51:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-10/cfpg10-2005-2.htm</loc>
		<lastmod>2006-09-29T12:51:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-10/cfpg10-2005-3.htm</loc>
		<lastmod>2006-09-29T12:51:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-10/cfpg10-2005-4.htm</loc>
		<lastmod>2006-09-29T12:51:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-10/cfpg10-2005-5.htm</loc>
		<lastmod>2006-09-29T12:51:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-11/cfpg11-2005-1.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-11/cfpg11-2005-2.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-11/cfpg11-2005-3.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-11/cfpg11-2005-4.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-11/cfpg11-2005-5.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-12/cfpg12-2005-2.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-12/cfpg12-2005-3.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-12/cfpg12-2005-4.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2005/2005-12/cfpg12-2005-5.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/April2006.html</loc>
		<lastmod>2007-05-24T13:16:01Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/August2006.html</loc>
		<lastmod>2007-05-24T13:16:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/December2006.html</loc>
		<lastmod>2007-05-24T13:16:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/February2006.html</loc>
		<lastmod>2007-05-24T13:16:02Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/January2006.html</loc>
		<lastmod>2007-05-24T13:16:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/July2006.html</loc>
		<lastmod>2007-05-24T13:16:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/June2006.html</loc>
		<lastmod>2007-05-24T13:16:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/March2006.html</loc>
		<lastmod>2007-05-24T13:16:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/May2006.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/November2006.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/October2006.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/September2006.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:03Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-3f.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-3i.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-01/cfpg01-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-3f.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-3i.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-02/cfpg02-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-2f.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-3.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-03/cfpg03-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-2f.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-2i.htm</loc>
		<lastmod>2006-09-29T12:51:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-3.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-04/cfpg04-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-3f.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-3i.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-05/cfpg05-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-06/cfpg06-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-06/cfpg06-2006-3f.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-06/cfpg06-2006-3i.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-06/cfpg06-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-06/cfpg06-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-07/cfpg07-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-07/cfpg07-2006-3.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-07/cfpg07-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-07/cfpg07-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-3.htm</loc>
		<lastmod>2006-09-29T12:51:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-4f.htm</loc>
		<lastmod>2006-09-29T12:51:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-4i.htm</loc>
		<lastmod>2006-09-29T12:51:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-08/cfpg08-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-09/cfpg09-2006-1.htm</loc>
		<lastmod>2006-09-29T12:51:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-09/cfpg09-2006-2.htm</loc>
		<lastmod>2006-09-29T12:51:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-09/cfpg09-2006-3.htm</loc>
		<lastmod>2006-09-29T12:51:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-09/cfpg09-2006-4.htm</loc>
		<lastmod>2006-09-29T12:51:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-09/cfpg09-2006-5.htm</loc>
		<lastmod>2006-09-29T12:51:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-10/cfpg10-2006-2.htm</loc>
		<lastmod>2006-09-29T12:52:34Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-10/cfpg10-2006-3.htm</loc>
		<lastmod>2006-09-29T12:52:34Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-10/cfpg10-2006-4.htm</loc>
		<lastmod>2006-09-29T12:52:34Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-10/cfpg10-2006-5.htm</loc>
		<lastmod>2006-09-29T12:52:34Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-11/cfpg11-2006-2.htm</loc>
		<lastmod>2006-10-20T17:17:49Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-11/cfpg11-2006-3.htm</loc>
		<lastmod>2006-10-20T17:17:47Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-11/cfpg11-2006-4.htm</loc>
		<lastmod>2006-10-20T17:17:47Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-11/cfpg11-2006-5.htm</loc>
		<lastmod>2006-10-20T17:17:47Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-1.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-2.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-3.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-3i.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-4.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2006/2006-12/cfpg12-2006-5.htm</loc>
		<lastmod>2006-11-24T00:13:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/April2007.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/August2007.html</loc>
		<lastmod>2007-07-28T20:13:55Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/February2007.html</loc>
		<lastmod>2007-05-24T13:16:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/January2007.html</loc>
		<lastmod>2007-05-24T13:16:09Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/July2007.html</loc>
		<lastmod>2007-06-25T11:38:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/June2007.html</loc>
		<lastmod>2007-05-24T11:19:18Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/March2007.html</loc>
		<lastmod>2007-05-24T13:16:09Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/May2007.html</loc>
		<lastmod>2007-05-24T13:16:09Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/November2007.html</loc>
		<lastmod>2007-10-25T22:45:27Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/October2007.html</loc>
		<lastmod>2007-09-28T13:19:41Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/September2007.html</loc>
		<lastmod>2007-08-22T14:22:15Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-01/cfpg01-2007-1.htm</loc>
		<lastmod>2006-12-21T16:06:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-01/cfpg01-2007-2.htm</loc>
		<lastmod>2006-12-21T16:06:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-01/cfpg01-2007-3.htm</loc>
		<lastmod>2006-12-21T16:06:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-01/cfpg01-2007-4.htm</loc>
		<lastmod>2006-12-21T16:06:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-01/cfpg01-2007-5.htm</loc>
		<lastmod>2006-12-21T16:06:11Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-1.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-1b.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-2.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-3.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-4.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-02/cfpg02-2007-5.htm</loc>
		<lastmod>2007-01-25T22:56:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-1.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-2.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-3f.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-3i.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-4.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-03/cfpg03-2007-5.htm</loc>
		<lastmod>2007-02-26T13:45:17Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/cfpg04-2007-1.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/cfpg04-2007-2.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/cfpg04-2007-3f.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/cfpg04-2007-3i.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/cfpg04-2007-4.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-04/emergency-preparedness.htm</loc>
		<lastmod>2007-04-03T20:15:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-05/cfpg05-2007-2.htm</loc>
		<lastmod>2007-04-26T20:01:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-05/cfpg05-2007-3f.htm</loc>
		<lastmod>2007-04-26T20:01:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-05/cfpg05-2007-3i.htm</loc>
		<lastmod>2007-04-26T20:01:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-05/cfpg05-2007-4.htm</loc>
		<lastmod>2007-04-26T20:01:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-05/cfpg05-2007-5.htm</loc>
		<lastmod>2007-04-26T20:01:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-06/cfpg06-2007-2.htm</loc>
		<lastmod>2007-05-24T11:18:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-06/cfpg06-2007-3.htm</loc>
		<lastmod>2007-05-24T11:18:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-06/cfpg06-2007-4.htm</loc>
		<lastmod>2007-05-24T11:18:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-06/cfpg06-2007-5.htm</loc>
		<lastmod>2007-05-24T11:18:57Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-1.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-2.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-3.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-4.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-4i.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-07/cfpg07-2007-5.htm</loc>
		<lastmod>2007-06-25T11:37:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-08/cfpg08-2007-1.htm</loc>
		<lastmod>2007-07-28T20:13:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-08/cfpg08-2007-2.htm</loc>
		<lastmod>2007-07-28T20:13:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-08/cfpg08-2007-3.htm</loc>
		<lastmod>2007-07-28T20:13:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-08/cfpg08-2007-4.htm</loc>
		<lastmod>2007-07-28T20:13:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-08/cfpg08-2007-5.htm</loc>
		<lastmod>2007-07-28T20:13:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-09/cfpg09-2007-1.htm</loc>
		<lastmod>2007-08-22T14:21:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-09/cfpg09-2007-2.htm</loc>
		<lastmod>2007-08-22T14:21:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-09/cfpg09-2007-3.htm</loc>
		<lastmod>2007-08-22T14:21:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-09/cfpg09-2007-4.htm</loc>
		<lastmod>2007-08-22T14:21:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-09/cfpg09-2007-5.htm</loc>
		<lastmod>2007-08-22T14:21:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-1.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-2.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-2i.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-3.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-4.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-10/cfpg10-2007-5.htm</loc>
		<lastmod>2007-09-28T13:19:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-11/cfpg11-2007-2.htm</loc>
		<lastmod>2007-10-25T22:44:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-11/cfpg11-2007-3.htm</loc>
		<lastmod>2007-10-25T22:44:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-11/cfpg11-2007-4f.htm</loc>
		<lastmod>2007-10-25T22:44:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-11/cfpg11-2007-4i.htm</loc>
		<lastmod>2007-10-25T22:44:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/2007/2007-11/cfpg11-2007-5.htm</loc>
		<lastmod>2007-10-18T15:57:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/e-newsletter/sample/index.html</loc>
		<lastmod>2007-10-25T22:44:34Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/golf/index.html</loc>
		<lastmod>2007-05-24T13:16:17Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/about-fundex-header.htm</loc>
		<lastmod>2005-11-28T13:19:56Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/advisor-info-header.htm</loc>
		<lastmod>2005-09-08T11:12:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/contact-us-header.htm</loc>
		<lastmod>2005-05-23T11:23:48Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/e-newsletter-header.htm</loc>
		<lastmod>2005-09-09T16:43:42Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/our-services-header.htm</loc>
		<lastmod>2005-09-07T13:29:12Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/our-team-header.htm</loc>
		<lastmod>2005-05-23T11:20:32Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/portfolio-access-header.htm</loc>
		<lastmod>2005-05-23T10:52:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources-header.htm</loc>
		<lastmod>2005-05-23T11:47:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/start-header.htm</loc>
		<lastmod>2005-07-05T00:15:48Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/tax-talk-header.htm</loc>
		<lastmod>2005-10-27T11:30:38Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/borrowing/credit-cards-header.html</loc>
		<lastmod>2005-06-30T13:38:21Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/borrowing/leveraging-header.html</loc>
		<lastmod>2005-06-30T13:38:51Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/borrowing/mortgages-header.html</loc>
		<lastmod>2005-06-30T13:38:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/borrowing/rsp-loans-header.html</loc>
		<lastmod>2005-06-30T13:38:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/insurance/critical-illness-header.html</loc>
		<lastmod>2005-06-27T09:06:33Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/insurance/income-protection-header.html</loc>
		<lastmod>2005-06-27T09:06:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/insurance/long-term-care-header.html</loc>
		<lastmod>2005-06-27T09:06:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/insurance/term-insurance-header.html</loc>
		<lastmod>2005-06-27T09:06:48Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/insurance/universal-life-header.html</loc>
		<lastmod>2005-06-27T09:06:51Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/annuities-header.html</loc>
		<lastmod>2005-06-27T13:25:29Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/gic-header.html</loc>
		<lastmod>2005-06-27T13:26:12Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/lif-header.html</loc>
		<lastmod>2005-06-27T13:26:20Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/lira-header.html</loc>
		<lastmod>2005-06-27T13:26:25Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/mutual-funds-header.html</loc>
		<lastmod>2005-06-27T13:26:30Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/resp-header.html</loc>
		<lastmod>2005-06-27T13:26:37Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/rrif-header.html</loc>
		<lastmod>2005-06-27T13:26:41Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/rrsp-header.html</loc>
		<lastmod>2005-05-23T15:20:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/investments/seg-funds-header.html</loc>
		<lastmod>2005-05-23T13:33:38Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/careers-header.html</loc>
		<lastmod>2005-05-23T13:59:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/children-header.html</loc>
		<lastmod>2005-05-23T14:05:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/death-header.html</loc>
		<lastmod>2005-05-23T13:59:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/disability-header.html</loc>
		<lastmod>2005-05-23T14:00:04Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/divorce-header.html</loc>
		<lastmod>2005-05-23T14:00:16Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/education-header.html</loc>
		<lastmod>2005-05-23T14:00:31Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/eldercare-header.html</loc>
		<lastmod>2005-05-23T14:00:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/financialplan-header.html</loc>
		<lastmod>2005-05-23T14:01:47Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/healthy-living-header.html</loc>
		<lastmod>2005-07-28T12:12:48Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/home-ownership-header.html</loc>
		<lastmod>2005-05-23T14:02:14Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/leaving-home-header.html</loc>
		<lastmod>2005-05-23T14:02:32Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/marriage-header.html</loc>
		<lastmod>2005-05-23T14:02:50Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/poa-header.html</loc>
		<lastmod>2005-05-23T14:03:35Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/retirement-header.html</loc>
		<lastmod>2005-05-23T14:03:49Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/self-employment-header.html</loc>
		<lastmod>2005-05-23T14:04:06Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/travel-header.html</loc>
		<lastmod>2005-05-23T14:04:18Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/unemployment-header.html</loc>
		<lastmod>2005-05-23T14:04:34Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/using-credit-header.html</loc>
		<lastmod>2005-05-23T14:07:54Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/life-planning/wills-header.html</loc>
		<lastmod>2005-05-23T14:05:04Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/commentrary-header.htm</loc>
		<lastmod>2005-05-23T11:32:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/education-planning-header.htm</loc>
		<lastmod>2005-05-23T14:57:09Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/estate-planning-header.htm</loc>
		<lastmod>2005-05-23T14:57:22Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/investment-planning-header.htm</loc>
		<lastmod>2005-05-23T15:09:46Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/money-tools-header.html</loc>
		<lastmod>2005-05-23T11:03:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/resources-header.htm</loc>
		<lastmod>2005-05-23T11:28:36Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/retirement-planning-header.htm</loc>
		<lastmod>2005-06-30T13:38:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/headers/resources/tax-planning-header.htm</loc>
		<lastmod>2005-05-23T15:11:08Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/annuities.htm</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/critical-illness.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/income-protection.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/long-term-care.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/seg-funds.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/term-insurance.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/insurance/universal-life.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/gic.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/insured_annuities.htm</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/lif.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/lira.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/mutual-funds.html</loc>
		<lastmod>2007-11-02T14:21:00Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/resp.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/rrif.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/investments/rrsp.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/business-planning.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/database-search.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/estate-planning.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/financial-planning.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/index.html</loc>
		<lastmod>2007-11-02T14:19:32Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/investing.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/life-insurance.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/mortgages.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/mutual-funds.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/retirement.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/rrsp-rrif.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/library/taxation.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/careers.html</loc>
		<lastmod>2005-06-09T14:34:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/children.html</loc>
		<lastmod>2005-06-09T14:34:33Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/death.html</loc>
		<lastmod>2005-06-09T14:34:27Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/disability.html</loc>
		<lastmod>2005-06-09T14:34:21Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/divorce.html</loc>
		<lastmod>2005-06-09T14:34:15Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/education.html</loc>
		<lastmod>2005-06-09T14:34:07Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/eldercare.html</loc>
		<lastmod>2005-06-09T14:34:01Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/financialplan.htm</loc>
		<lastmod>2005-06-09T14:33:53Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/healthy_living.html</loc>
		<lastmod>2005-07-29T08:48:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/home-ownership.html</loc>
		<lastmod>2005-06-09T14:33:45Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/leaving-home.html</loc>
		<lastmod>2005-06-09T14:33:39Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/marriage.html</loc>
		<lastmod>2005-06-09T14:33:33Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/poa.html</loc>
		<lastmod>2005-06-09T14:33:26Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/retirement.html</loc>
		<lastmod>2005-06-09T14:33:19Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/self-employment.html</loc>
		<lastmod>2005-06-09T14:33:12Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/travel.html</loc>
		<lastmod>2005-06-09T14:33:05Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/unemployment.html</loc>
		<lastmod>2005-06-09T14:32:44Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/using-credit.html</loc>
		<lastmod>2005-06-09T14:32:38Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/life-planning/wills.html</loc>
		<lastmod>2005-06-09T14:32:31Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/money-tools/index.html</loc>
		<lastmod>2007-11-02T14:19:51Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/money-tools/money-tools-main.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/myportfolio/index.html</loc>
		<lastmod>2007-11-02T14:19:57Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/myportfolio/portfolio-access-info.html</loc>
		<lastmod>2007-11-02T14:20:59Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/education-planning-info.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/education-planning.html</loc>
		<lastmod>2007-11-02T14:20:10Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/estate-planning-info.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/estate-planning.html</loc>
		<lastmod>2007-11-02T14:20:12Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/index.html</loc>
		<lastmod>2007-11-02T14:20:14Z</lastmod>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/investment-planning-info.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/investment-planning.html</loc>
		<lastmod>2007-11-02T14:20:16Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/questions.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/resources.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/resources_content.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/tax-planning-info.html</loc>
		<lastmod>2007-11-02T14:20:58Z</lastmod>
		<priority>0.5</priority>
	</url>
	<url>
		<loc>http://www.carefulmoney.com/resources/tax-planning.html</loc>
		<lastmod>2007-11-02T14:20:18Z</lastmod>
		<priority>0.5</priority>
	</url>
</urlset>
