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	<title>The Southside Times - News Covering Beech Grove, Greenwood, Southport, Center Grove and Franklin &#38; White River Townships of Indiana &#187; Personal Finance</title>
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	<description>Serving Beech Grove, Greenwood, Southport, Center Grove and Franklin &#38; Whiteriver Townships</description>
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		<title>A Christmas gift for employers</title>
		<link>http://www.ss-times.com/2012/12/12/a-christmas-gift-for-employers/</link>
		<comments>http://www.ss-times.com/2012/12/12/a-christmas-gift-for-employers/#comments</comments>
		<pubDate>Wed, 12 Dec 2012 22:09:07 +0000</pubDate>
		<dc:creator>Carey Germana</dc:creator>
				<category><![CDATA[Business Announcements]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=14004</guid>
		<description><![CDATA[A Christmas gift for employers By Chuck Roach, Roach Law This time of year it is common for employers to reward employees for their hard work through the year. It is also a good time for employers to conduct year-end reviews. With those themes in mind, I put together the following year-end checklist as a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Home Ownership</title>
		<link>http://www.ss-times.com/2012/11/28/home-ownership/</link>
		<comments>http://www.ss-times.com/2012/11/28/home-ownership/#comments</comments>
		<pubDate>Wed, 28 Nov 2012 21:42:34 +0000</pubDate>
		<dc:creator>Carey Germana</dc:creator>
				<category><![CDATA[Business Announcements]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13885</guid>
		<description><![CDATA[Home Ownership – Understanding the Paths to the American Dream By Chuck Roach, Roach Law Office A large part of my practice deals with real estate &#8211; saving property, buying property, renting property, etc. Often there is confusion about the ways one can accomplish home ownership. Here’s a primer: 1. Traditional Purchase: For most purchasers, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Now Open</title>
		<link>http://www.ss-times.com/2012/11/20/13837/</link>
		<comments>http://www.ss-times.com/2012/11/20/13837/#comments</comments>
		<pubDate>Tue, 20 Nov 2012 20:36:15 +0000</pubDate>
		<dc:creator>ndavis</dc:creator>
				<category><![CDATA[Business Announcements]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13837</guid>
		<description><![CDATA[His Place Kyle Adamson opens ice cream and coffee shop catering to Christian values Samantha Okey and Kyle Adamson stand in His Place, LLC. The ice cream and coffee shop will feature live Christian music and values. By Nicole Davis Kyle Adamson said he noticed a hole in the community when he was helping a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Contract Law</title>
		<link>http://www.ss-times.com/2012/10/23/contract-law/</link>
		<comments>http://www.ss-times.com/2012/10/23/contract-law/#comments</comments>
		<pubDate>Tue, 23 Oct 2012 17:55:25 +0000</pubDate>
		<dc:creator>Carey Germana</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13565</guid>
		<description><![CDATA[The ‘Handshake Test’ still means something  By Chuck Roach I have  practiced law since 1992.  I&#8217;ve started two firms, worked for two large firms, and was in-house counsel for a public company.  In that time I have reviewed or drafted countless contracts.  So it may be surprising when I tell you the most important aspect of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Business Check-Up</title>
		<link>http://www.ss-times.com/2012/10/03/business-check-up/</link>
		<comments>http://www.ss-times.com/2012/10/03/business-check-up/#comments</comments>
		<pubDate>Wed, 03 Oct 2012 22:29:41 +0000</pubDate>
		<dc:creator>Carey Germana</dc:creator>
				<category><![CDATA[Business Announcements]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13453</guid>
		<description><![CDATA[Business Check-Ups – Is It Time for Your Company to “See the Doctor” By Chuck Roach, Roach Law Firm Like most people, I put off going to the doctor.  If I’m feeling good it seems unnecessary, and if I’m not feeling good they carry the potential for bad news – and expenses.  The same holds [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Reading Coupons</title>
		<link>http://www.ss-times.com/2012/10/03/reading-coupons/</link>
		<comments>http://www.ss-times.com/2012/10/03/reading-coupons/#comments</comments>
		<pubDate>Wed, 03 Oct 2012 21:59:07 +0000</pubDate>
		<dc:creator>Amber Yowler</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13411</guid>
		<description><![CDATA[Reading the Coupons  By Amber Yowler The thought of using a single coupon to several coupons in a transaction, can be a daunting task, when it comes time to enter the check-out lane. With the looming thoughts of; is the coupon being used properly or will the coupon scan, may make the whole process a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Coupon fraud causing change in coupon policies</title>
		<link>http://www.ss-times.com/2012/09/19/coupon-fraud-causing-change-in-coupon-policies/</link>
		<comments>http://www.ss-times.com/2012/09/19/coupon-fraud-causing-change-in-coupon-policies/#comments</comments>
		<pubDate>Wed, 19 Sep 2012 22:35:24 +0000</pubDate>
		<dc:creator>Amber Yowler</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13327</guid>
		<description><![CDATA[Coupon fraud causing change in coupon policies There are many changes going on in the couponing world. With the rise in coupon use and coupon fraud we are not really surprised. According to the CIC coupon fraud costs consumer product manufacturer’s hundreds of millions of dollars every year. (http://www.couponinformationcenter.com/faq.php) As of Sept. 1, 2012 one [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quick Primer Buy-Sell Agreement</title>
		<link>http://www.ss-times.com/2012/09/06/quick-primer-buy-sell-agreement/</link>
		<comments>http://www.ss-times.com/2012/09/06/quick-primer-buy-sell-agreement/#comments</comments>
		<pubDate>Thu, 06 Sep 2012 20:59:59 +0000</pubDate>
		<dc:creator>Carey Germana</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13060</guid>
		<description><![CDATA[By Chuck Roach -Roach Law Office A buy-sell agreement is an important part of properly protecting your business and the interests of the owners. Sound business planning dictates that a buy-sell agreement be used in any business structures (corporation, LLC, partnership, etc.). The buy-sell agreement is a form of “prenuptial agreement” among owners of a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Couponing at the Dollar Tree</title>
		<link>http://www.ss-times.com/2012/09/06/couponing-at-the-dollar-tree/</link>
		<comments>http://www.ss-times.com/2012/09/06/couponing-at-the-dollar-tree/#comments</comments>
		<pubDate>Thu, 06 Sep 2012 20:58:14 +0000</pubDate>
		<dc:creator>Amber Yowler</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=13057</guid>
		<description><![CDATA[By Amber Yowler Many Dollar Tree stores in Indiana were pilot stores in accepting manufacturer coupons and as of Aug. 26 all Dollar Tree Stores are accepting manufacturer coupons. This is super exciting news. Sophia and I visited one of the Dollar Tree’s pilot stores on several occasions and our shopping experiences were all wonderful. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Making a will easier</title>
		<link>http://www.ss-times.com/2012/08/09/making-a-will-easier/</link>
		<comments>http://www.ss-times.com/2012/08/09/making-a-will-easier/#comments</comments>
		<pubDate>Thu, 09 Aug 2012 18:07:25 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Living]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12728</guid>
		<description><![CDATA[By: Chuck Roach As you are probably aware, the making of a will is an extremely important procedure to ensure that your estate is distributed in the manner you desire, and/or that your children are provided for in the event of your death. A complete estate plan will usually include one or more additional documents [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why spend money when you can make it?</title>
		<link>http://www.ss-times.com/2012/07/26/why-spend-money-when-you-can-make-it/</link>
		<comments>http://www.ss-times.com/2012/07/26/why-spend-money-when-you-can-make-it/#comments</comments>
		<pubDate>Thu, 26 Jul 2012 18:53:18 +0000</pubDate>
		<dc:creator>Amber Yowler</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12656</guid>
		<description><![CDATA[My daughter Sophia and I are extreme couponers. Often times we leave the store with either the store owing us money or extra products because of coupon overage. Many of our local stores will not allow a transaction to be in the negative but will allow the consumer to use that overage on other items. [...]]]></description>
		<wfw:commentRss>http://www.ss-times.com/2012/07/26/why-spend-money-when-you-can-make-it/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Legal concerns when starting a business</title>
		<link>http://www.ss-times.com/2012/07/26/legal-concerns-when-starting-a-business/</link>
		<comments>http://www.ss-times.com/2012/07/26/legal-concerns-when-starting-a-business/#comments</comments>
		<pubDate>Thu, 26 Jul 2012 18:52:24 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12654</guid>
		<description><![CDATA[By Chuck Roach Starting a business can seem overwhelming. The legal organization of the business alone will have a major impact on its long-term success. Among the first decisions that the business owner will make is its structure. The decision has long-term implications, so the advice of an attorney or accountant is strongly encouraged. Organization [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>Saving with online shopping</title>
		<link>http://www.ss-times.com/2012/06/28/saving-with-online-shopping/</link>
		<comments>http://www.ss-times.com/2012/06/28/saving-with-online-shopping/#comments</comments>
		<pubDate>Thu, 28 Jun 2012 18:02:48 +0000</pubDate>
		<dc:creator>Amber Yowler</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12503</guid>
		<description><![CDATA[With the rise in gas prices and our time seeming to be limited, it is no surprise that numerous consumers are turning to online shopping. According to a Nielsen Global online survey, online shopping has seen an increase of 40% in the past two years. (marketingcharts.com) I recently spoke to the owner and operator of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Business Briefs &#8211; June 28, 2012</title>
		<link>http://www.ss-times.com/2012/06/28/business-briefs-june-28-2012/</link>
		<comments>http://www.ss-times.com/2012/06/28/business-briefs-june-28-2012/#comments</comments>
		<pubDate>Thu, 28 Jun 2012 18:01:53 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Business Announcements]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12501</guid>
		<description><![CDATA[Cardinal Insurance Services Inc. earns Senior Partner and new Inner Circle designation Cardinal Insurance Services Inc. of Indianapolis has earned both Senior Partner and Inner Circle status from Grange Insurance, the company’s highest designations. These honors recognize the best independent agencies that sell Grange products based on their experience, professionalism and superior performance. Located at [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When foreclosure makes sense</title>
		<link>http://www.ss-times.com/2012/06/28/when-foreclosure-makes-sense/</link>
		<comments>http://www.ss-times.com/2012/06/28/when-foreclosure-makes-sense/#comments</comments>
		<pubDate>Thu, 28 Jun 2012 18:00:42 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12499</guid>
		<description><![CDATA[By Paula Hundley When I was growing up, we moved frequently. At the age of 20, I calculated I had averaged a move every two years of my life. I think because of our frequent moves and my father’s frequent job changes, we were renters until I was a freshman in high school. I’m sure [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>In Business &#8211; June 21, 2012</title>
		<link>http://www.ss-times.com/2012/06/21/in-business-june-21-2012/</link>
		<comments>http://www.ss-times.com/2012/06/21/in-business-june-21-2012/#comments</comments>
		<pubDate>Thu, 21 Jun 2012 21:34:18 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Business Announcements]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12457</guid>
		<description><![CDATA[Business process guru speaks to St. Francis Health audience Maasaki Imai, an internationally acclaimed management consultant, spoke to Franciscan St. Francis Health employees and representatives from other hospitals during his visit to the hospital on S. Emerson Ave. on June 13. Imai’s visit was part of his five-city U.S. tour. He is the author of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How much can you save?</title>
		<link>http://www.ss-times.com/2012/06/14/how-much-can-you-save/</link>
		<comments>http://www.ss-times.com/2012/06/14/how-much-can-you-save/#comments</comments>
		<pubDate>Thu, 14 Jun 2012 19:30:06 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12415</guid>
		<description><![CDATA[By Paula Hundley We’ve all heard that everyone needs a rainy day fund (even local school corporations have them, although it seems quite difficult for a lot of them to use any of these funds). But did you know that nearly 25% of Americans have nothing set aside for the unexpected? The following question was [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>In Business &#8211; June 14, 2012</title>
		<link>http://www.ss-times.com/2012/06/14/in-business-june-14-2012/</link>
		<comments>http://www.ss-times.com/2012/06/14/in-business-june-14-2012/#comments</comments>
		<pubDate>Thu, 14 Jun 2012 19:28:26 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Business Announcements]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12413</guid>
		<description><![CDATA[Musical therapy strikes soothing chord for hospitalized patients For more than 13 years, Tami Briggs has used music to help alleviate hospital patients’ pain and enhance their healing and restoration. She has also written books about her chosen field and has recorded 13 CDs focused on relaxation, comfort, healing and sleep. Briggs will demonstrate her [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>In Business &#8211; June 7, 2012</title>
		<link>http://www.ss-times.com/2012/06/07/in-business-june-7-2012/</link>
		<comments>http://www.ss-times.com/2012/06/07/in-business-june-7-2012/#comments</comments>
		<pubDate>Thu, 07 Jun 2012 17:10:34 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Business Announcements]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=12361</guid>
		<description><![CDATA[Johnson County considers more fees for revenue boost • Johnson County officials are considering charging a $20 fee whenever the Sheriff’s Department calls tow trucks for vehicles involved in crashes, abandoned or seized as evidence. A $100 fee would be charged when the county dive team pulls a vehicle from a drainage pond. Towing fees [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankruptcy in “real people words”</title>
		<link>http://www.ss-times.com/2012/05/31/bankruptcy-in-%e2%80%9creal-people-words%e2%80%9d/</link>
		<comments>http://www.ss-times.com/2012/05/31/bankruptcy-in-%e2%80%9creal-people-words%e2%80%9d/#comments</comments>
		<pubDate>Thu, 31 May 2012 16:57:54 +0000</pubDate>
		<dc:creator>Submission For The Southside Times</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ss-times.com/?p=11457</guid>
		<description><![CDATA[By Paula Hundley and Lynn Smith Much too often, clients who are filing bankruptcy tend to go into panic mode when the threat of their wages being garnished occurs. They tend to think there is some legal way to stop this wage garnishment other than filing their bankruptcy petition. There have been signs all pointing [...]]]></description>
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