<?xml version="1.0" encoding="ISO-8859-1"?>
<!--  To subscribe to this Vanguard podcast, copy the URL for this page from your browser's address bar above and paste it into the subcription field in your podcasting software.  -->
<rss xmlns:itunes="http://www.itunes.com/DTDs/Podcast-1.0.dtd" version="2.0">
<channel>
<link>http://rss.vanguard.com/pod/plaintalk.xml</link>
<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>
<copyright>The Vanguard Group</copyright>
<ttl>15</ttl>
<itunes:author>Vanguard</itunes:author>
<author>Vanguard</author>
<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>
<itunes:owner>
<itunes:name>The Vanguard Group</itunes:name>
<itunes:email>plaintalk@vanguard.com</itunes:email>
</itunes:owner>
<language>en-us</language>
<itunes:block>no</itunes:block>
<itunes:category text="Business">
	<itunes:category text="Investing"/>
	<itunes:category text="Finance"/>
</itunes:category>
<image>
<link>http://personal.vanguard.com/us/home</link>
<title>The Vanguard Group</title>
<url>http://personal.vanguard.com/web/images/vanguard_plainTalk_300x300.jpg</url>
<height>300</height>
<width>300</width>
</image>
<item>
<title>Affording health care in retirement</title>
<link>https://personal.vanguard.com/web/audio/PodPTHealthCare09292008.mp3</link>
<pubDate>Mon, 08 Feb 2010 16:17:37 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>9:01</itunes:duration>
<itunes:keywords>health,healthcare,medicare,medicaid,social security,retirement</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Vanguard&#039;s John Ameriks talks about what&#039;s covered by Medicare, what isn&#039;t, and how you can meet those unexpected expenses that are bound to occur. (9:01)</itunes:summary>
<description>Vanguard&#039;s John Ameriks talks about what&#039;s covered by Medicare, what isn&#039;t, and how you can meet those unexpected expenses that are bound to occur. (9:01)</description>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTHealthCare09292008.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTHealthCare09292008.mp3</guid>
</item>
<item>
<title>Outpace inflation at any stage in your life</title>
<link>https://personal.vanguard.com/web/audio/PodPTInflation12142009.mp3</link>
<pubDate>Mon, 14 Dec 2009 12:47:28 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:50</itunes:duration>
<itunes:keywords>gordon, inflation, investing, saving</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Vanguard principal Catherine Gordon explains what inflation is and how it can affect investors at all stages in their lives. (7:50)</itunes:summary>
<description>Vanguard principal Catherine Gordon explains what inflation is and how it can affect investors at all stages in their lives. (7:50)</description>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTInflation12142009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTInflation12142009.mp3</guid>
</item>
<item>
<title>529 college savings plans can help with tuition and taxes</title>
<link>https://personal.vanguard.com/web/audio/Pod529TaxContrib_12022009.mp3</link>
<pubDate>Mon, 14 Dec 2009 11:59:53 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:36</itunes:duration>
<itunes:keywords>college,529, education,martinez, savings, taxes</itunes:keywords>
<itunes:subtitle>An episode from our podcast series on saving for college</itunes:subtitle>
<itunes:summary>Alba Martinez of the Vanguard Education Markets Group explains why contributing to your child&#039;s 529 plan by the end of this year could mean a tax break for you in April. (7:36)</itunes:summary>
<description>Alba Martinez of the Vanguard Education Markets Group explains why contributing to your child&#039;s 529 plan by the end of this year could mean a tax break for you in April. (7:36)</description>
<enclosure url="https://personal.vanguard.com/web/audio/Pod529TaxContrib_12022009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/Pod529TaxContrib_12022009.mp3</guid>
</item>
<item>
<title>3 ways to help work toward financial independence</title>
<link>https://personal.vanguard.com/web/audio/PodPTFinIndepend11162009.mp3</link>
<pubDate>Mon, 30 Nov 2009 17:45:40 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>9:19</itunes:duration>
<itunes:keywords>financial independence, retirees, retirement</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 explains 3 things that you can do in order to better prepare for financial independence in your retirement years.</itunes:summary>
<description>Vanguard principal Ellen Rinaldi explains 3 things that you can do in order to better prepare for financial independence in your retirement years.</description>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTFinIndepend11162009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTFinIndepend11162009.mp3</guid>
</item>
<item>
<title>5 myths of 529s</title>
<link>https://personal.vanguard.com/web/audio/Pod529Myths112009.mp3</link>
<pubDate>Mon, 16 Nov 2009 17:17:08 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>6:07</itunes:duration>
<itunes:keywords>college,529, education,martinez,,automatic,automated,dollar cost averaging</itunes:keywords>
<itunes:subtitle>An episode from our podcast series on saving for college</itunes:subtitle>
<itunes:summary>Vanguard&#39;s Alba Martinez dispels 5 myths about 529 college savings plans to help you tell fact from fluff. (6:07)</itunes:summary>
<description>Vanguard&#39;s Alba Martinez dispels 5 myths about 529 college savings plans to help you tell fact from fluff. (6:07)</description>
<enclosure url="https://personal.vanguard.com/web/audio/Pod529Myths112009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/Pod529Myths112009.mp3</guid>
</item>
<item>
<title>Target-date funds and the financial crisis</title>
<link>https://personal.vanguard.com/web/audio/PodPTTargetdatefunds09142009.mp3</link>
<pubDate>Tue, 27 Oct 2009 10:05:57 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>11:34</itunes:duration>
<itunes:keywords>target, date, retirement, ameriks</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</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>
<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>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTTargetdatefunds09142009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTTargetdatefunds09142009.mp3</guid>
</item>
<item>
<title>You can afford college</title>
<link>https://personal.vanguard.com/web/audio/PodPTCollegeSavings09082008.mp3</link>
<pubDate>Mon, 28 Sep 2009 16:00:37 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>8:41</itunes:duration>
<itunes:keywords>o&#8217;shaughnessy,college,education savings</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Lynn O&#039;Shaughnessy, a financial journalist and author, details how you can afford college for your children. (8:41)</itunes:summary>
<description>Lynn O&#039;Shaughnessy, a financial journalist and author, details how you can afford college for your children. (8:41)</description>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTCollegeSavings09082008.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTCollegeSavings09082008.mp3</guid>
</item>
<item>
<title>Is buy-and-hold still the way to go?</title>
<link>https://personal.vanguard.com/web/audio/PodPTBuyandhold08242009.mp3</link>
<pubDate>Mon, 24 Aug 2009 18:40:38 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>8:19</itunes:duration>
<itunes:keywords>investing, buy and hold, stay the course, investment planning, kinniry, </itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</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>
<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>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTBuyandhold08242009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTBuyandhold08242009.mp3</guid>
</item>
<item>
<title>Managing withdrawals in retirement</title>
<link>https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3</link>
<pubDate>Mon, 27 Jul 2009 16:35:48 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>7:38</itunes:duration>
<itunes:keywords>retirement,withdrawal,ameriks,income</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</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>
<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>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTManageWithdrawals08032009.mp3</guid>
</item>
<item>
<title>Simple rules for sound investing</title>
<link>https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3</link>
<pubDate>Mon, 13 Jul 2009 16:23:16 EST</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>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTSimplerules07132009.mp3</guid>
</item>
<item>
<title>Prepare for your future with a trust</title>
<link>https://personal.vanguard.com/web/audio/PodPTTrusts05112009.mp3</link>
<pubDate>Mon, 11 May 2009 10:49:19 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>10:29</itunes:duration>
<itunes:keywords>smith,trust,asset management,estate planning</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</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>
<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>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTTrusts05112009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTTrusts05112009.mp3</guid>
</item>
<item>
<title>In a tough market, indexing passes the test</title>
<link>https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3</link>
<pubDate>Mon, 27 Apr 2009 16:23:48 EST</pubDate>
<itunes:author>Vanguard</itunes:author>
<itunes:block>no</itunes:block>
<itunes:duration>11:11</itunes:duration>
<itunes:keywords>index,indexing,sauter</itunes:keywords>
<itunes:subtitle>An episode from Vanguard&#8217;s Plain Talk on Investing&#8482; podcast series</itunes:subtitle>
<itunes:summary>Vanguard&#039;s chief investment officer, Gus Sauter, says our faith in indexing hasn&#039;t been shaken by the market downturn.</itunes:summary>
<description>Vanguard&#039;s chief investment officer, Gus Sauter, says our faith in indexing hasn&#039;t been shaken by the market downturn.</description>
<enclosure url="https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3" length="" type="audio/mp3" />
<guid>https://personal.vanguard.com/web/audio/PodPTIndexing04202009.mp3</guid>
</item>
</channel>
</rss>
