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    <title><![CDATA[Terry Savage - ArcaMax Publishing]]></title>
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	<copyright>Copyright 2026 ArcaMax Publishing</copyright>
	
	
	
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		<title><![CDATA[Terry Savage: Help navigating Medicare open enrollment]]></title>
		<description><![CDATA[Every senior MUST review Medicare coverage during open enrollment, which runs from October 15 and December 7. There are no exceptions — even if you were perfectly happy with your coverage in 2026. For sure there will be changes for 2027. In a ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4309842</link>
 
    <pubDate>Sep/30/2026</pubDate>
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		<title><![CDATA[Terry Savage: What to know for Medicare open enrollment]]></title>
		<description><![CDATA[Medicare open enrollment starts October 15 and continues through December 7. Everyone who has Medicare, in whatever form, should pay close attention to their coverage for the year ahead. You may be surprised at how much is about to change — in ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4304950</link>
 
    <pubDate>Sep/23/2026</pubDate>
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		<title><![CDATA[Terry Savage: Why the national debt should concern us]]></title>
		<description><![CDATA[The U.S. national debt now exceeds $40 trillion — a MEGO number, which stands for "my eyes glaze over." Why should you care? No one else seems worried. Not Congress, for sure. They just keep spending and borrowing more. There’s always been ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4300103</link>
 
    <pubDate>Sep/16/2026</pubDate>
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		<title><![CDATA[Terry Savage: Login process changing at TreasuryDirect]]></title>
		<description><![CDATA[Nearly 3 million people opened accounts at TreasuryDirect.gov to buy Series I U.S. savings bonds when the rates — based on inflation — made headlines in 2022. Millions more savers have created TreasuryDirect accounts to purchase Treasury bills...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4295028</link>
 
    <pubDate>Sep/09/2026</pubDate>
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		<title><![CDATA[Terry Savage: The housing crunch is getting critical]]></title>
		<description><![CDATA[The housing industry is tied in a knot. Sales are dropping, but prices remain high. First time buyers can’t gather the down payment, much less afford the monthly mortgage, because of 30-year rates that remain around 6.7%. Homeowners who locked ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4290369</link>
 
    <pubDate>Sep/02/2026</pubDate>
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		<title><![CDATA[Terry Savage: Dealing with fear in retirement]]></title>
		<description><![CDATA[Once upon a time, a retirement free of fear was defined as “having enough money.” In fact, about 20 years ago I even wrote a book called “The Savage Number: How Much Money Do You Really Need to Retire?” But now that the huge baby boomer ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4285030</link>
 
    <pubDate>Aug/26/2026</pubDate>
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		<title><![CDATA[Terry Savage: Collecting Social Security on your ex]]></title>
		<description><![CDATA[Many people are surprised to find out that other people can legally collect benefits on their Social Security work records. And it doesn’t diminish their own benefits. For example, if you’re an ex-spouse, you can legally collect on your former...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4279896</link>
 
    <pubDate>Aug/19/2026</pubDate>
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		<title><![CDATA[Terry Savage: Increasingly clever scams can trap even the sharpest people]]></title>
		<description><![CDATA[Most people think it could never happen to them — until it does! Scam artists are becoming far more sophisticated these days, and victims are often people who believe they would never fall for a con. But the Federal Trade Commission says people ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4274704</link>
 
    <pubDate>Aug/12/2026</pubDate>
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		<title><![CDATA[Taking control of your retirement funds]]></title>
		<description><![CDATA[My recent column about stress-testing your retirement funds brought an interesting response from many of my readers. I learned something: While many are delighted to have large balances in their retirement accounts, they have no idea how to reduce...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4267916</link>
 
    <pubDate>Aug/03/2026</pubDate>
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		<title><![CDATA[Terry Savage: Waiting for an IRS refund? You're not alone]]></title>
		<description><![CDATA[A combination of factors have created a “perfect storm” at the Internal Revenue Service, causing many tax refunds to be delayed. As the agency switches to more sophisticated programs, it has kicked out returns with unexpectedly high refunds. ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4264612</link>
 
    <pubDate>Jul/29/2026</pubDate>
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		<title><![CDATA[Terry Savage: Stress test your money]]></title>
		<description><![CDATA[With everything going so well, maybe it’s time for a stress test for your money. The time for a stress test is when things are running smoothly. Every big bank undergoes an annual stress test by federal regulators, even though they are not ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4259240</link>
 
    <pubDate>Jul/22/2026</pubDate>
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		<title><![CDATA[Credit card breathing room]]></title>
		<description><![CDATA[Americans hold roughly $1.25 trillion in credit card debt, with the average consumer carrying $6,595 in balances. Delinquency rates are at their highest level in 15 years. Much of that debt is incurred by people just trying to manage everyday ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4254052</link>
 
    <pubDate>Jul/15/2026</pubDate>
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		<title><![CDATA[Terry Savage: New student loan rules]]></title>
		<description><![CDATA[New student loan rules have just gone into effect — an ever-changing and complicated array of repayment options have been replaced by a new set of repayment rules and limits on future loans. For families now considering how they will pay for ...<br /><br /><hr size="1" />]]></description>
		<link>https://www.arcamax.com/terrysavage/s-4248368</link>
 
    <pubDate>Jul/08/2026</pubDate>
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	  <title><![CDATA[More from Terry Savage on ArcaMax »]]></title>
	  <link>https://www.arcamax.com/terrysavage</link>
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