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<title>Vanguard: Plain Talk on Investing&#8482;</title>
<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>
<pubDate>Wed, 14 Jun 2006 09:00:00 EST</pubDate>
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<itunes:subtitle>Plain Talk on Investing&#8482; is a podcast series from Vanguard</itunes:subtitle>
<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>
<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>
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<title>Debt doesn&#039;t have to be a four-letter word</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTDebt11072011.mp3</link>
<pubDate>Mon, 07 Nov 2011 08:54:37 EDT</pubDate>
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<itunes:duration>10:42</itunes:duration>
<itunes:keywords>debt,credit,loan,mortgage,rinaldi,ashinhurst</itunes:keywords>
<itunes:subtitle>A conversation with Vanguard&#039;s Ellen Rinaldi</itunes:subtitle>
<itunes:summary>Debt is a fact of life, but it needn&#039;t become an overwhelming burden. In this interview, Vanguard&#039;s Ellen Rinaldi explains how to manage personal debt effectively. After you&#039;ve heard the conversation, visit our Facebook page and tell us what you think.</itunes:summary>
<description>Debt is a fact of life, but it needn&#039;t become an overwhelming burden. In this interview, Vanguard&#039;s Ellen Rinaldi explains how to manage personal debt effectively. After you&#039;ve heard the conversation, visit our Facebook page and tell us what you think.</description>
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<title>Is a single-fund investment right for you?</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTSinglefund_08082011.mp3</link>
<pubDate>Thu, 18 Aug 2011 10:19:28 EDT</pubDate>
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<itunes:duration>7:19</itunes:duration>
<itunes:keywords>bruno, single fund options, retirement, target date funds, </itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Maria Bruno, a senior analyst with Vanguard Investment Counseling and Research, discusses single-fund options and how they can help you save for retirement.</itunes:summary>
<description>Maria Bruno, a senior analyst with Vanguard Investment Counseling and Research, discusses single-fund options and how they can help you save for retirement.</description>
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<title>What women need to know about retirement</title>
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<pubDate>Tue, 31 May 2011 09:13:03 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>6:59</itunes:duration>
<itunes:keywords>houston,retirement,saving,investing</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Sarah Houston, a principal in Vanguard Retail Investor Group, discusses the reasons saving for retirement is so important, especially for women. She also explains that creating a well-balanced investment portfolio doesn&#039;t have to be complicated. (6:59)</itunes:summary>
<description>Sarah Houston, a principal in Vanguard Retail Investor Group, discusses the reasons saving for retirement is so important, especially for women. She also explains that creating a well-balanced investment portfolio doesn&#039;t have to be complicated. (6:59)</description>
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<title>What you need to know about long-term care</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTLTCare_12062010.mp3</link>
<pubDate>Mon, 06 Dec 2010 09:16:41 EDT</pubDate>
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<itunes:duration>8:45</itunes:duration>
<itunes:keywords>long term care insurance, health, healthcare, medicare, medicaid, rose d&#8217;alisa</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Rose D&#039;Alisa, a trust investment manager with Vanguard Asset Management Services, discusses the psychological and financial impact of long-term care. (8:45)</itunes:summary>
<description>Rose D&#039;Alisa, a trust investment manager with Vanguard Asset Management Services, discusses the psychological and financial impact of long-term care. (8:45)</description>
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<title>Saving for college: Unique challenges require a unique approach</title>
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<pubDate>Wed, 17 Nov 2010 07:12:22 EDT</pubDate>
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<itunes:duration>10:15</itunes:duration>
<itunes:keywords>college,529,education,bruno,o&#8217;grady,tuition,financial aid,saving,education</itunes:keywords>
<itunes:subtitle>An episode from our podcast series on saving for college</itunes:subtitle>
<itunes:summary>Maria Bruno of Vanguard Investment Strategy and Tom O&#039;Grady with Vanguard&#039;s Education Markets Group discuss ways to save for college while juggling other investing objectives. (10:15)  </itunes:summary>
<description>Maria Bruno of Vanguard Investment Strategy and Tom O&#039;Grady with Vanguard&#039;s Education Markets Group discuss ways to save for college while juggling other investing objectives. (10:15)  </description>
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<title>Is an income annuity right for you?</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTIncomeAnnuities10182010.mp3</link>
<pubDate>Mon, 18 Oct 2010 06:13:11 EDT</pubDate>
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<itunes:block>no</itunes:block>
<itunes:duration>7:00</itunes:duration>
<itunes:keywords>annuity, Utkus, </itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Learn about  the potential benefits (and drawbacks) of an income annuity, to help decide whether one is right for you. (7:00)</itunes:summary>
<description>Learn about  the potential benefits (and drawbacks) of an income annuity, to help decide whether one is right for you. (7:00)</description>
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<item>
<title>Don&#39;t overlook your asset allocation as life changes </title>
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<pubDate>Mon, 16 Aug 2010 08:15:59 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>8:53</itunes:duration>
<itunes:keywords>Rinaldi, asset allocation, life events, </itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Vanguard principal Ellen Rinaldi describes how certain life events can represent opportunities to make sure that your investment portfolio is in line with your goals, risk tolerance, and time horizon. (8:53)</itunes:summary>
<description>Vanguard principal Ellen Rinaldi describes how certain life events can represent opportunities to make sure that your investment portfolio is in line with your goals, risk tolerance, and time horizon. (8:53)</description>
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<item>
<title>Mutual fund ratings: What you need to know</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTMFRatings07062010.mp3</link>
<pubDate>Wed, 07 Jul 2010 12:46:18 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:06</itunes:duration>
<itunes:keywords>philips, morningstar, ratings, star, asset allocation, select, choose</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Chris Philips, a senior analyst in Vanguard&#039;s Investment Strategy Group, takes a closer look at mutual fund ratings and explains why other factors should also be considered when choosing funds. (7:06)</itunes:summary>
<description>Chris Philips, a senior analyst in Vanguard&#039;s Investment Strategy Group, takes a closer look at mutual fund ratings and explains why other factors should also be considered when choosing funds. (7:06)</description>
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<item>
<title>An introduction to ETFs</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTETFS06112010.mp3</link>
<pubDate>Thu, 10 Jun 2010 09:57:00 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:43</itunes:duration>
<itunes:keywords>etf, exchange traded funds, mutual funds, kinniry</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Fran Kinniry, principal, Vanguard Investment Strategy Group, gives an introduction to ETFs and talks about what you should consider when choosing between an ETF and a mutual fund. (7:43)</itunes:summary>
<description>Fran Kinniry, principal, Vanguard Investment Strategy Group, gives an introduction to ETFs and talks about what you should consider when choosing between an ETF and a mutual fund. (7:43)</description>
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<item>
<title>Learn the basics of 529 plans</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/Insights/CS/Pod529LearnBasics052010_Van.mp3</link>
<pubDate>Wed, 02 Jun 2010 16:11:00 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>10:13</itunes:duration>
<itunes:keywords>college,529, education,martinez,williams,tuition, financial aid, saving, education</itunes:keywords>
<itunes:subtitle>An episode from our podcast series on saving for college</itunes:subtitle>
<itunes:summary>Find out what 529 plans are and get answers to many of the questions you may have about using these college savings tools. (10:33)</itunes:summary>
<description>Find out what 529 plans are and get answers to many of the questions you may have about using these college savings tools. (10:33)</description>
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<item>
<title>Tax-efficient withdrawals in retirement</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTTEwithdrawals05032010.mp3</link>
<pubDate>Mon, 10 May 2010 08:51:40 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>5:44</itunes:duration>
<itunes:keywords>retirement, withdrawals, taxes, Jaconetti,59 1 2 Withdrawal,59.5 Withdrawal,59.5,59 1 2 ,59 1/2</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Colleen Jaconetti, an investment analyst in Vanguard&#039;s Investment Strategy Group, talks about setting up a tax-efficient withdrawal strategy. (5:44)</itunes:summary>
<description>Colleen Jaconetti, an investment analyst in Vanguard&#039;s Investment Strategy Group, talks about setting up a tax-efficient withdrawal strategy. (5:44)</description>
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<item>
<title>Bring order to your financial future</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTPersonalfin04052010.mp3</link>
<pubDate>Mon, 05 Apr 2010 13:39:27 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:50</itunes:duration>
<itunes:keywords>personal finance, benz, morningstar, finances</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Christine Benz, director of personal finance for Morningstar, explains how to get your financial house in order. (7:50)</itunes:summary>
<description>Christine Benz, director of personal finance for Morningstar, explains how to get your financial house in order. (7:50)</description>
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<item>
<title>Tools to help you take on the rising cost of tuition</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/Insights/CS/Pod529FinancingCollege022010.mp3</link>
<pubDate>Mon, 08 Mar 2010 13:35:41 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>13.13</itunes:duration>
<itunes:keywords>college,529, education,martinez,williams,tuition, financial aid, saving, education</itunes:keywords>
<itunes:subtitle>An episode from our podcast series on saving for college</itunes:subtitle>
<itunes:summary>Vanguard&#39;s Alba Martinez talks with Jackie Williams, director of the College Savings Initiative at the New America Foundation, about managing college costs. (13:13)  </itunes:summary>
<description>Vanguard&#39;s Alba Martinez talks with Jackie Williams, director of the College Savings Initiative at the New America Foundation, about managing college costs. (13:13)  </description>
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<item>
<title>Emerging markets: What you need to know</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTEmergMkts032010.mp3</link>
<pubDate>Mon, 01 Mar 2010 13:38:27 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:52</itunes:duration>
<itunes:keywords>emerging,international,overseas,foreign,</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Vanguard&#039;s Catherine Gordon discusses recent performance in emerging markets and explains what you should know before investing. (7:52)</itunes:summary>
<description>Vanguard&#039;s Catherine Gordon discusses recent performance in emerging markets and explains what you should know before investing. (7:52)</description>
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<item>
<title>Simple rules for sound investing</title>
<link>http://vanguard.vo.llnwd.net/o1/EXT/RIG/PT/PodPTSimplerules07132009.mp3</link>
<pubDate>Mon, 13 Jul 2009 13:33:29 EDT</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>9:09</itunes:duration>
<itunes:keywords>roth, start, initial investment, new investors, personal finance, second grader</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Allan Roth, author and founder of Wealth Logic, LLC, explains how everything we need to know about investing, we&#039;ve learned by second grade. (9:09)</itunes:summary>
<description>Allan Roth, author and founder of Wealth Logic, LLC, explains how everything we need to know about investing, we&#039;ve learned by second grade. (9:09)</description>
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