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	<title>Comments on: Money 2.0 &#8211; Aspirin or Vitamins?</title>
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		<title>By: Anonymous</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-56780</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Sun, 24 Jan 2010 22:25:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-56780</guid>
		<description>I like all the other changes and I would like to appreciate the improvements. I impressed by the innovation, without gimmicks. I will think about this site&#039;s offers. nWell it is nice to post here. n&lt;a href=&quot;http://www.gunceldurum.com&quot; title=&quot;gu00fczel su00f6zler, gu00fczel mesajlar&quot;&gt;gu00fczel su00f6zler&lt;/a&gt; I like this site.</description>
		<content:encoded><![CDATA[<p>I like all the other changes and I would like to appreciate the improvements. I impressed by the innovation, without gimmicks. I will think about this site&#8217;s offers. nWell it is nice to post here. n<a href="http://www.gunceldurum.com" title="gu00fczel su00f6zler, gu00fczel mesajlar">gu00fczel su00f6zler</a> I like this site.</p>
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		<title>By: gunceldurum</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-55233</link>
		<dc:creator>gunceldurum</dc:creator>
		<pubDate>Sun, 24 Jan 2010 19:25:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-55233</guid>
		<description>I like all the other changes and I would like to appreciate the improvements. I impressed by the innovation, without gimmicks. I will think about this site&#039;s offers. &lt;br&gt;Well it is nice to post here. &lt;br&gt;&lt;a href=&quot;http://www.gunceldurum.com&quot; title=&quot;güzel sözler, güzel mesajlar&quot; rel=&quot;nofollow&quot;&gt;güzel sözler&lt;/a&gt; I like this site.</description>
		<content:encoded><![CDATA[<p>I like all the other changes and I would like to appreciate the improvements. I impressed by the innovation, without gimmicks. I will think about this site&#39;s offers. <br />Well it is nice to post here. <br /><a href="http://www.gunceldurum.com" title="güzel sözler, güzel mesajlar" rel="nofollow">güzel sözler</a> I like this site.</p>
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		<title>By: yardley285022</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-54972</link>
		<dc:creator>yardley285022</dc:creator>
		<pubDate>Sun, 19 Jul 2009 10:08:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-54972</guid>
		<description>which retails at $9.95. It certainly opens your eyes about the practicality of the envelope budgeting system and how retiring &lt;a href=&quot;http://www.providianinfo.com&quot; rel=&quot;nofollow&quot;&gt;providian.com&lt;/a&gt; comfortably and controlling debt is possible. It has a storybook approach rather than how-to-this how-to-that or motivational Robert Kiyosaki “I promise you riches” sort of book.</description>
		<content:encoded><![CDATA[<p>which retails at $9.95. It certainly opens your eyes about the practicality of the envelope budgeting system and how retiring <a href="http://www.providianinfo.com" rel="nofollow">providian.com</a> comfortably and controlling debt is possible. It has a storybook approach rather than how-to-this how-to-that or motivational Robert Kiyosaki “I promise you riches” sort of book.</p>
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		<title>By: Sebbi</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34620</link>
		<dc:creator>Sebbi</dc:creator>
		<pubDate>Tue, 25 Mar 2008 23:17:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34620</guid>
		<description>thanks for the post. i hope to listen some more.
Best regards from Sebbi</description>
		<content:encoded><![CDATA[<p>thanks for the post. i hope to listen some more.<br />
Best regards from Sebbi</p>
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		<title>By: Nathan D</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34573</link>
		<dc:creator>Nathan D</dc:creator>
		<pubDate>Mon, 24 Mar 2008 06:31:01 +0000</pubDate>
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		<description>One thing that always comes to my mind when I hear the &quot;vitamin vs. pain killer&quot; line is that in the literal markets this analogy addresses, the total market for vitamins is at least as big as the total market for pain killers -- and it&#039;s growing much faster.</description>
		<content:encoded><![CDATA[<p>One thing that always comes to my mind when I hear the &#8220;vitamin vs. pain killer&#8221; line is that in the literal markets this analogy addresses, the total market for vitamins is at least as big as the total market for pain killers &#8212; and it&#8217;s growing much faster.</p>
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		<title>By: How much money do I need &#187; Blog Archive &#187; Money 2.0 - Aspirin or Vitamins?</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34460</link>
		<dc:creator>How much money do I need &#187; Blog Archive &#187; Money 2.0 - Aspirin or Vitamins?</dc:creator>
		<pubDate>Thu, 20 Mar 2008 16:37:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34460</guid>
		<description>[...] admin wrote an interesting post today onHere&#8217;s a quick excerptI had been thinking a lot about personal finance this past few weeks and then I saw a TechCrunch post on how Mint raised more money and has been growing nicely. So I posted a tweet over the weekend with the following comment: &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] admin wrote an interesting post today onHere&#8217;s a quick excerptI had been thinking a lot about personal finance this past few weeks and then I saw a TechCrunch post on how Mint raised more money and has been growing nicely. So I posted a tweet over the weekend with the following comment: &#8230; [...]</p>
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		<title>By: Bay Partners Seed Investments &#187; Blog Archive &#187; Money 2.0: Aspirin or Vitamins? (Charles Hudson)</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34432</link>
		<dc:creator>Bay Partners Seed Investments &#187; Blog Archive &#187; Money 2.0: Aspirin or Vitamins? (Charles Hudson)</dc:creator>
		<pubDate>Wed, 19 Mar 2008 17:22:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34432</guid>
		<description>[...] &#8211; Charles Hudson [...]</description>
		<content:encoded><![CDATA[<p>[...] &#8211; Charles Hudson [...]</p>
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		<title>By: charles</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34242</link>
		<dc:creator>charles</dc:creator>
		<pubDate>Fri, 14 Mar 2008 18:14:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34242</guid>
		<description>Ben,

Very insightful comment. I think what it takes to innovate in the world of consumer-facing financial service products is still not well understood by many start-ups. It will be interesting to see if any of these companies can crack the code.</description>
		<content:encoded><![CDATA[<p>Ben,</p>
<p>Very insightful comment. I think what it takes to innovate in the world of consumer-facing financial service products is still not well understood by many start-ups. It will be interesting to see if any of these companies can crack the code.</p>
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	<item>
		<title>By: Ben</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34230</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Fri, 14 Mar 2008 15:52:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34230</guid>
		<description>Charles, 
Vitamins indeed. In the investment world, a better service usually means better returns. There is no way that any of the mentioned above companies will be able to provide that. That is why Mint is better , as they &quot;SAVE&quot; you money (they don&#039;t, but that&#039;s a different story).
Assuming no start-up can provide better investment returns, I think people use to think that innovation in the field of investment can occur only if you provide:
1. Cheaper means (Zecco) to invest, yet as Zecco is experiencing the cost is not the main factor of people migrating to new brokerage firm, so innovation here won&#039;t get you that far. 
2. Easier means to invest - it means more user-centric approach of presenting investment data. I there&#039;s opportunity here, as most people are lost when trying to figure out when and what to invest in. 
3. Target non-users. This is a hard one, as most U.S. households are involved in investing in one way or another. However, if you will present them with new investment vehicles, that might change things. 
Hope it makes sense.</description>
		<content:encoded><![CDATA[<p>Charles,<br />
Vitamins indeed. In the investment world, a better service usually means better returns. There is no way that any of the mentioned above companies will be able to provide that. That is why Mint is better , as they &#8220;SAVE&#8221; you money (they don&#8217;t, but that&#8217;s a different story).<br />
Assuming no start-up can provide better investment returns, I think people use to think that innovation in the field of investment can occur only if you provide:<br />
1. Cheaper means (Zecco) to invest, yet as Zecco is experiencing the cost is not the main factor of people migrating to new brokerage firm, so innovation here won&#8217;t get you that far.<br />
2. Easier means to invest &#8211; it means more user-centric approach of presenting investment data. I there&#8217;s opportunity here, as most people are lost when trying to figure out when and what to invest in.<br />
3. Target non-users. This is a hard one, as most U.S. households are involved in investing in one way or another. However, if you will present them with new investment vehicles, that might change things.<br />
Hope it makes sense.</p>
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		<title>By: &#160; Money 2.0 - Aspirin or Vitamins?&#160;&#8212;&#160;IRA 401k</title>
		<link>http://www.charleshudson.net/money-20-aspirin-or-vitamins/comment-page-1#comment-34187</link>
		<dc:creator>&#160; Money 2.0 - Aspirin or Vitamins?&#160;&#8212;&#160;IRA 401k</dc:creator>
		<pubDate>Fri, 14 Mar 2008 05:56:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.charleshudson.net/?p=445#comment-34187</guid>
		<description>[...] Read the rest of this great post here [...]</description>
		<content:encoded><![CDATA[<p>[...] Read the rest of this great post here [...]</p>
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