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VanceHavner-Humility</image:title></image:image><lastmod>2025-01-26T13:32:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/27/stockrover-revisited-and-an-options-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_options-week3-expiredcontracts.jpg</image:loc><image:title>2025-01-27_Options-Week3-ExpiredContracts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_options-2025-summary.jpg</image:loc><image:title>2025-01-27_Options-2025-SUMMARY</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_options-incomebyweek-graph.jpg</image:loc><image:title>2025-01-27_Options-IncomeByWeek-Graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_options-week3-trades.jpg</image:loc><image:title>2025-01-27_Options-Week3-Trades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_stockrover-dividendforecasting.jpg</image:loc><image:title>2025-01-27_StockRover-DividendForecasting</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_stockrover-holdingsmap.jpg</image:loc><image:title>2025-01-27_StockRover-HoldingsMap</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-27_stockrover-cover.jpg</image:loc><image:title>2025-01-27_StockRover-COVER</image:title><image:caption>StockRover as an investing tool.</image:caption></image:image><lastmod>2025-01-27T13:16:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/24/favor-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-24-favor-fmf-cover.jpg</image:loc><image:title>2025-01-24 Favor-FMF-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-24_favor-proverbs.jpg</image:loc><image:title>2025-01-24_Favor-Proverbs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-24_favor-proverbs3_1-7.jpg</image:loc><image:title>2025-01-24_Favor-Proverbs3_1-7</image:title></image:image><lastmod>2025-01-29T01:34:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/23/why-not-just-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-quickoverview-1.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-QuickOverview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-quickoverview.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-QuickOverview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-dividendannouncements-2025-ytd.jpg</image:loc><image:title>2025-01-23_STX-DividendAnnouncements-2025-YTD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-transactions-green.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-Transactions-GREEN</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-transactions-red.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-Transactions-RED</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-waynesira-holdings-options.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-WaynesIRA-Holdings-Options</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-fidelity-atp-ourholdings.jpg</image:loc><image:title>2025-01-23_STX-Fidelity-ATP-OurHoldings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-seekingalpha-quant-explained.jpg</image:loc><image:title>2025-01-23_STX-SeekingAlpha-QUANT-Explained</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-optionsincome.jpg</image:loc><image:title>2025-01-23_STX-OptionsIncome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-23_stx-stockrover-dividendsgraph.jpg</image:loc><image:title>2025-01-23_STX-StockRover-DividendsGraph</image:title></image:image><lastmod>2025-01-23T13:22:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/22/seeking-alpha-is-my-favorite-tool/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_qr-code.jpg</image:loc><image:title>2025-01-21_QR-Code</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21-seekingalpha-subscription-480-x-600.jpg</image:loc><image:title>2025-01-21 SeekingAlpha-Subscription-480 x 600</image:title><image:caption>This offer is the standard discount.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/480-x-600.png</image:loc><image:title>480 x 600</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-07-seekingalphaaffiliate-cover.jpg</image:loc><image:title>2025-01-07 SeekingAlphaAffiliate-COVER</image:title></image:image><lastmod>2025-01-23T11:40:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/21/a-big-bdc-with-big-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_arcc-cover.jpg</image:loc><image:title>2025-01-21_ARCC-COVER</image:title><image:caption>ARCC is an excellent BDC</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_arcc-summary.jpg</image:loc><image:title>2025-01-21_ARCC-Summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_arcc-stockrover-totalreturns.jpg</image:loc><image:title>2025-01-21_ARCC-StockRover-TotalReturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_arcc-atp-holdings.jpg</image:loc><image:title>2025-01-21_ARCC-ATP-Holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-21_arcc-atp-roth-holdings.jpg</image:loc><image:title>2025-01-21_ARCC-ATP-ROTH-Holdings</image:title></image:image><lastmod>2025-01-21T15:51:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/20/decision-buy-or-put-or-call/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-20_nvda-seekingalpha-chart-5day-high.jpg</image:loc><image:title>2025-01-20_NVDA-SeekingAlpha-Chart-5Day-High</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-20_nvda-seekingalpha-chart-5day-low.jpg</image:loc><image:title>2025-01-20_NVDA-SeekingAlpha-Chart-5Day-Low</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-18_options-week-02-transactions-income.jpg</image:loc><image:title>2025-01-18_Options-Week-02-Transactions-Income</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-20_nvda-cover.jpg</image:loc><image:title>2025-01-20_NVDA-COVER</image:title><image:caption>Decide to buy shares, or use a put option instead?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-18_options-week-02-expiredcontracts.jpg</image:loc><image:title>2025-01-18_Options-Week-02-ExpiredContracts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-18_options-ytd-2025-summary.jpg</image:loc><image:title>2025-01-18_Options-YTD-2025-Summary</image:title></image:image><lastmod>2025-01-20T13:42:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/17/effort-five-minute-friday-what-effort-do-you-make/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-17_effort-cover.jpg</image:loc><image:title>2025-01-17_EFFORT-COVER</image:title><image:caption>Effort Plus Wisdom</image:caption></image:image><lastmod>2025-01-18T02:13:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/16/adding-to-the-grocery-cart/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-16_cag-cover.jpg</image:loc><image:title>2025-01-16_CAG-COVER</image:title><image:caption>Conagra Brands equals Easy Income</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-16_cag-totalshares-atp-2400.jpg</image:loc><image:title>2025-01-16_CAG-TotalShares-ATP-2400</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-16_cag-stockrover-dividendhistorygraph.jpg</image:loc><image:title>2025-01-16_CAG-StockRover-DividendHistoryGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_cag-clw-roth-buy-100shares.jpg</image:loc><image:title>2025-01-15_CAG-CLW-ROTH-Buy-100shares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_cag-roth-buy-100shares.jpg</image:loc><image:title>2025-01-15_CAG-ROTH-Buy-100shares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-16_wlw-ira-expiringoptions.jpg</image:loc><image:title>2025-01-16_WLW-IRA-ExpiringOptions</image:title></image:image><lastmod>2025-01-15T23:37:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/15/three-more-2025-dividend-announcements/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15-goals-dividends-announced-cover.jpg</image:loc><image:title>2025-01-15-Goals-Dividends-ANNOUNCED-COVER</image:title><image:caption>Three More Dividend Announcments</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_adc-dividenddeclared-email.jpg</image:loc><image:title>2025-01-15_ADC-DividendDeclared-Email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_nnn-dividenddeclared-email.jpg</image:loc><image:title>2025-01-15_NNN-DividendDeclared-Email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_gain-dividenddeclared-email.jpg</image:loc><image:title>2025-01-15_GAIN-DividendDeclared-Email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_nnn-stockrover-dividendhistorygraph.jpg</image:loc><image:title>2025-01-15_NNN-StockRover-DividendHistoryGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_adc-stockrover-dividendhistorygraph.jpg</image:loc><image:title>2025-01-15_ADC-StockRover-DividendHistoryGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15_gain-stockrover-dividendhistorygraph.jpg</image:loc><image:title>2025-01-15_GAIN-StockRover-DividendHistoryGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-15-dividends-adc-gain-nnn-estannualincome.jpg</image:loc><image:title>2025-01-15-Dividends-ADC-GAIN-NNN-EstAnnualIncome</image:title></image:image><lastmod>2025-01-15T14:47:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/14/seeking-alpha-coming-soon/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-14_seekingalphaconsultant-comingsoon-cover.jpg</image:loc><image:title>2025-01-14_SeekingAlphaConsultant-ComingSoon-COVER</image:title><image:caption>Coming Soon! Seeking Alpha</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-14_seekingalphaconsultant-appendix.jpg</image:loc><image:title>2025-01-14_SeekingAlphaConsultant-Appendix</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-14_seekingalphaconsultant-agreement.jpg</image:loc><image:title>2025-01-14_SeekingAlphaConsultant-Agreement</image:title></image:image><lastmod>2025-01-14T17:29:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/13/managing-and-reviewing-options-contract-trades-and-income/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-13_2025-optionscontracts-summary-q1.jpg</image:loc><image:title>2025-01-13_2025-OptionsContracts-Summary-Q1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-13_2025-optionscontractcodes.jpg</image:loc><image:title>2025-01-13_2025-OptionsContractCodes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-13_2025-optionscontracts-week-01.jpg</image:loc><image:title>2025-01-13_2025-OptionsContracts-WEEK-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-13_2025-managingoptionscontracts.jpg</image:loc><image:title>2025-01-13_2025-ManagingOptionsContracts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-13_2025-optionscontractscores-cover.jpg</image:loc><image:title>2025-01-13_2025-OptionsContractScores-COVER</image:title><image:caption>Managing Options Trades and Keeping Score</image:caption></image:image><lastmod>2025-01-14T10:56:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/11/the-nature-of-our-investments-and-2025-dividend-announcements/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_fidelity-cd-ladders-rates.jpg</image:loc><image:title>2025-01-11_Fidelity-CD-Ladders-Rates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-seekingalpha-ratings.jpg</image:loc><image:title>2025-01-11_STAG-SeekingAlpha-Ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-weissrating-c.jpg</image:loc><image:title>2025-01-11_STAG-WeissRating-C</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-seekingalpha-dividendscorecard.jpg</image:loc><image:title>2025-01-11_STAG-SeekingAlpha-DividendScorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-stockrover-dividend-graphs.jpg</image:loc><image:title>2025-01-11_STAG-StockRover-DIvidend-Graphs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-goals-dividends-stag-cover.jpg</image:loc><image:title>2025-Goals-Dividends-STAG-COVER</image:title><image:caption>STAG Industrial 0.7% dividend increase.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-dividendincrease-almost1percent.jpg</image:loc><image:title>2025-01-11_STAG-DividendIncrease-Almost1Percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-11_stag-atp-1550-shares.jpg</image:loc><image:title>2025-01-11_STAG-ATP-1550-Shares</image:title></image:image><lastmod>2025-01-11T15:29:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/10/satisfied-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10-satisfied.jpg</image:loc><image:title>2025-01-10 Satisfied</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10_satisfiedlyrics.jpg</image:loc><image:title>2025-01-10_SatisfiedLyrics</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10-satisfied-2.jpg</image:loc><image:title>2025-01-10 Satisfied-2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10-satisfied-cover.jpg</image:loc><image:title>2025-01-10 Satisfied-COVER</image:title><image:caption>Five-Minute Friday SATISFIED</image:caption></image:image><lastmod>2025-01-10T21:33:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/10/etfs-revisit-jepi-qyld-and-xyld/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10_jepi-qyld-xyld-cover.jpg</image:loc><image:title>2025-01-10_JEPI-QYLD-XYLD-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10-party-jepi-cover.jpg</image:loc><image:title>2025-01-10 Party-JEPI-COVER</image:title><image:caption>When the bear market arrives you can expect the "balloon" to pop.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10_jepi-seekingalpha-highlights.jpg</image:loc><image:title>2025-01-10_JEPI-SeekingAlpha-Highlights</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10_xyld-seekingalpha-highlights.jpg</image:loc><image:title>2025-01-10_XYLD-SeekingAlpha-Highlights</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-10_qyld-seekingalpha-highlights.jpg</image:loc><image:title>2025-01-10_QYLD-SeekingAlpha-Highlights</image:title></image:image><lastmod>2025-01-10T14:03:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/09/investors-and-debt/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-09-debt-cover.jpg</image:loc><image:title>2025-01-09 DEBT-COVER</image:title><image:caption>Investors and Debt - Bad Debt is Quicksand</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-09_abbv-seekingalpha-balancesheet.jpg</image:loc><image:title>2025-01-09_ABBV-SeekingAlpha-BalanceSheet</image:title></image:image><lastmod>2025-01-09T15:09:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/08/more-health-care-jnj/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-buy100-email.jpg</image:loc><image:title>2025-01-08_JNJ-Buy100-EMAIL</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-atp-details.jpg</image:loc><image:title>2025-01-08_JNJ-ATP-Details</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-atp-coveredcalls.jpg</image:loc><image:title>2025-01-08_JNJ-ATP-CoveredCalls</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-quant-ratings.jpg</image:loc><image:title>2025-01-08_JNJ-QUANT-Ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-stockrover-totalreturnsgraph.jpg</image:loc><image:title>2025-01-08_JNJ-StockRover-TotalReturnsGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-stockrover-dividendgrowthgraph.jpg</image:loc><image:title>2025-01-08_JNJ-StockRover-DividendGrowthGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-seekingalpha-summary.jpg</image:loc><image:title>2025-01-08_JNJ-SeekingAlpha-SUMMARY</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-08_jnj-cover.jpg</image:loc><image:title>2025-01-08_JNJ-COVER</image:title></image:image><lastmod>2025-01-08T16:27:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/07/sources-of-income-both-big-and-small/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-07-sourcesofincome-cover.jpg</image:loc><image:title>2025-01-07 SourcesofIncome-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-07_dividendhistory-1999-2024.jpg</image:loc><image:title>2025-01-07_DividendHistory-1999-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_fidelityfullypaidlending-graph-2024.jpg</image:loc><image:title>2025-01-06_FidelityFullyPaidLending-GRAPH-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_fidelityfullypaidlending-details-2024.jpg</image:loc><image:title>2025-01-06_FidelityFullyPaidLending-Details-2024</image:title></image:image><lastmod>2025-01-08T23:04:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/about/</loc><lastmod>2025-01-06T11:46:26+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://proverbs27flocks.com/2025/01/06/focus-on-percentages-dividend-growth-rate/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_cag-fidelity-dividends-overview-divgrowth5yr.jpg</image:loc><image:title>2025-01-06_CAG-Fidelity-Dividends-Overview-DivGrowth5yr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_cag-fidelity-dividends-details-divgrowth5yr.jpg</image:loc><image:title>2025-01-06_CAG-Fidelity-Dividends-Details-DivGrowth5yr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_cag-seekingalpha-summarysheet.jpg</image:loc><image:title>2025-01-06_CAG-SeekingAlpha-SummarySheet</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_cag-seekingalpha-divgrowth5yr.jpg</image:loc><image:title>2025-01-06_CAG-SeekingAlpha-DivGrowth5yr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_stockrover-dividendinfo-table.jpg</image:loc><image:title>2025-01-06_StockRover-DividendInfo-TABLE</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_stockrover-dividendinfo-graph.jpg</image:loc><image:title>2025-01-06_StockRover-DividendInfo-GRAPH</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_stockrover-dividendinfo-help.jpg</image:loc><image:title>2025-01-06_StockRover-DividendInfo-HELP</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-06_threepercentages-dividends-cover.jpg</image:loc><image:title>2025-01-06_ThreePercentages-Dividends-COVER</image:title></image:image><lastmod>2025-01-05T22:31:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/05/sunday-quote-justice/</loc><lastmod>2025-01-05T13:43:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/04/focus-on-hating-and-loving-percentages-not-dollars/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-04-suggestion-04.jpg</image:loc><image:title>2025-01-04 Suggestion-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-03_dividendhistory-1999-2024.jpg</image:loc><image:title>2025-01-03_DividendHistory-1999-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-03_waynes-2024-dividends-by-month.jpg</image:loc><image:title>2025-01-03_Waynes-2024-Dividends-by-Month</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-03_waynes-tira-roth-2024-dividends-by-month.jpg</image:loc><image:title>2025-01-03_Waynes-TIRA-ROTH-2024-Dividends-by-Month</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-03_fidelitystatement-dec2024-mainpage.jpg</image:loc><image:title>2025-01-03_FidelityStatement-Dec2024-MainPage</image:title></image:image><lastmod>2025-01-04T19:14:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/02/2024-top-20-15-6-review/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_top-2024-cover.jpg</image:loc><image:title>2025-01-02_Top-2024-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_top-20-dividend-eai-ye-2024.jpg</image:loc><image:title>2025-01-02_Top-20-Dividend-EAI-YE-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_etf-investments-ye-2024.jpg</image:loc><image:title>2025-01-02_ETF-Investments-YE-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_top-15-investments-ye-2024.jpg</image:loc><image:title>2025-01-02_Top-15-Investments-YE-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_2024-rmd-wayne.jpg</image:loc><image:title>2025-01-02_2024-RMD-Wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-02_2025-rmd-wayne.jpg</image:loc><image:title>2025-01-02_2025-RMD-Wayne</image:title></image:image><lastmod>2025-01-02T14:26:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2025/01/01/significant-dates-by-age-reminders-for-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-01-age-cover.jpg</image:loc><image:title>2025-01-01 Age-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2025/01/2025-01-01_forbes-ira-for-children.jpg</image:loc><image:title>2025-01-01_Forbes-IRA-for-Children</image:title></image:image><lastmod>2025-01-01T21:55:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/31/consolidation-and-simplification/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-31-juggling-checking-cover.jpg</image:loc><image:title>2024-12-31 Juggling-Checking-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-31_wbt.jpg</image:loc><image:title>2024-12-31_WBT</image:title></image:image><lastmod>2024-12-31T19:40:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/29/sunday-quote-troubled-hearts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-29-sundayquote-troubledhearts-cover.jpg</image:loc><image:title>2024-12-29 SundayQuote-TroubledHearts-COVER</image:title><image:caption>Sunday Quote for Troubled Hearts from John 14:1-3</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-29-sundayquote-troubledhearts-lookup.jpg</image:loc><image:title>2024-12-29 SundayQuote-TroubledHearts-LookUp</image:title></image:image><lastmod>2024-12-29T13:35:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/28/2025-goals-the-top-priority/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-28_irs-2025-qcd-limit.jpg</image:loc><image:title>2024-12-28_IRS-2025-QCD-Limit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-28-qcd-hearse.jpg</image:loc><image:title>2024-12-28 QCD-Hearse</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-28-qcd-cover.jpg</image:loc><image:title>2024-12-28 QCD-COVER</image:title><image:caption>2025 QCD Goal is higher partially due to IRS increase in the QCD limit.</image:caption></image:image><lastmod>2025-01-02T01:08:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/27/irs-identity-protection-pin/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-27_irs-pin-screen-04.jpg</image:loc><image:title>2024-12-27_IRS-PIN-Screen-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-27_irs-pin-screen-03.jpg</image:loc><image:title>2024-12-27_IRS-PIN-Screen-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-27_irs-pin-screen-02.jpg</image:loc><image:title>2024-12-27_IRS-PIN-Screen-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-27_irs-pin-screen-01.jpg</image:loc><image:title>2024-12-27_IRS-PIN-Screen-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-27-id-protect-pin-cover.jpg</image:loc><image:title>2024-12-27 ID-PROTECT-PIN-COVER</image:title><image:caption>IRS Identity Protection PIN</image:caption></image:image><lastmod>2024-12-27T13:34:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/24/roth-conversion-reminder-do-not-procrastinate/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-24_wayne-roth-conversion-ytd-distributiondetails.jpg</image:loc><image:title>2024-12-24_Wayne-ROTH-Conversion-YTD-DistributionDetails</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-24_wayne-roth-conversion-ytd-after-cgbd.jpg</image:loc><image:title>2024-12-24_Wayne-ROTH-Conversion-YTD-after-CGBD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-24_wayne-roth-conversion-fcpt.jpg</image:loc><image:title>2024-12-24_Wayne-ROTH-Conversion-FCPT</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-24_wayne-roth-conversion-cgbd.jpg</image:loc><image:title>2024-12-24_Wayne-ROTH-Conversion-CGBD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-24-roth-conversion-cover.jpg</image:loc><image:title>2024-12-24 ROTH-Conversion-COVER</image:title><image:caption>ROTH Conversion Reminder</image:caption></image:image><lastmod>2024-12-24T23:15:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/23/investment-updates-from-a-to-v/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23_vym-topten.jpg</image:loc><image:title>2024-12-23_VYM-TopTen</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23-a-v-cover.jpg</image:loc><image:title>2024-12-23 A-V-COVER</image:title><image:caption>Investment Updates from A to V: AMLP, UTF, and VYM</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23_utf-dividend-email-monthly.jpg</image:loc><image:title>2024-12-23_UTF-Dividend-Email-Monthly</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23_vym-dividend-email-q4.jpg</image:loc><image:title>2024-12-23_VYM-Dividend-Email-Q4</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23_vym-stockroverdividendsgraph.jpg</image:loc><image:title>2024-12-23_VYM-StockRoverDividendsGraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-23-amlp_utf_vym.jpg</image:loc><image:title>2024-12-23 AMLP_UTF_VYM</image:title></image:image><lastmod>2024-12-23T13:05:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/22/retirement-objective-blessing-not-a-burden/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-22-retirementgoal-cover.jpg</image:loc><image:title>2024-12-22 RetirementGoal-COVER</image:title><image:caption>Retirement Objective: Blessing, not a Burden.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/john-piper.jpg</image:loc><image:title>John-Piper</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/davidmartynlloyd-jones.jpg</image:loc><image:title>DavidMartynLloyd-Jones</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/matthewhenry.jpg</image:loc><image:title>MatthewHenry</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/henry_ward_beecher.jpg</image:loc><image:title>Henry_Ward_Beecher</image:title></image:image><lastmod>2024-12-22T13:26:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/19/synthetic-dividends-for-2020-2024/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-19-options-results-cover.jpg</image:loc><image:title>2024-12-19 Options-Results-COVER</image:title><image:caption>Easy Income Strategy: Options income for 2020-2024</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-19_optionscontracts-2020-2024.jpg</image:loc><image:title>2024-12-19_OptionsContracts-2020-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-19_optionscontracts-2020-2024-bar-graph.jpg</image:loc><image:title>2024-12-19_OptionsContracts-2020-2024-BAR-GRAPH</image:title></image:image><lastmod>2024-12-19T15:27:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/18/more-buys-for-income-at-a-lower-cost/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-18-utf-costs-cover.jpg</image:loc><image:title>2024-12-18 UTF-Costs-COVER</image:title><image:caption>Cost Basis and Dividend Investing: Buy Shares over Time.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-18_utf-atp-cost.jpg</image:loc><image:title>2024-12-18_UTF-ATP-Cost</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-18_utf-yieldoncost.jpg</image:loc><image:title>2024-12-18_UTF-YieldOnCost</image:title></image:image><lastmod>2024-12-20T20:08:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/16/cohen-steers-infrastructure-fund-inc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-16_utf-stockrover-returns.jpg</image:loc><image:title>2024-12-16_UTF-StockRover-RETURNS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-16_utf-stockrover-dividends.jpg</image:loc><image:title>2024-12-16_UTF-StockRover-DIVIDENDS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-16_utf-sectordiversification-geographic.jpg</image:loc><image:title>2024-12-16_UTF-SectorDiversification-Geographic</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-16_utf-funddetails-toptenholdings.jpg</image:loc><image:title>2024-12-16_UTF-FundDetails-TopTenHoldings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-1-utf-cash-cover.jpg</image:loc><image:title>2024-12-1 UTF-CASH-COVER</image:title><image:caption>What should I do with cash now that CD rates are falling?</image:caption></image:image><lastmod>2024-12-16T13:46:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/14/picking-up-cash-from-the-top-ten-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-12_toptenpositions.jpg</image:loc><image:title>2024-12-12_TopTenPositions</image:title></image:image><lastmod>2024-12-14T15:59:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/13/investors-should-go-to-dinkytown-net/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-13_dinkytown-calculations.jpg</image:loc><image:title>2024-12-13_Dinkytown-Calculations</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-13_dinkytown-cover.jpg</image:loc><image:title>2024-12-13_Dinkytown-COVER</image:title><image:caption>If you don't already use dinkytown.net you might want to try it.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-13_dinkytown-webpage.jpg</image:loc><image:title>2024-12-13_Dinkytown-WebPage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-13_dinkytown-report.jpg</image:loc><image:title>2024-12-13_Dinkytown-REPORT</image:title></image:image><lastmod>2025-11-17T11:41:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/12/loading-up-more-schd/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-12_schd-stockrover-dividends.jpg</image:loc><image:title>2024-12-12_SCHD-StockRover-Dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-12_schd-seekingalpha-dividendgrades.jpg</image:loc><image:title>2024-12-12_SCHD-SeekingAlpha-DividendGrades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-12-schd-cover-02.jpg</image:loc><image:title>2024-12-12 SCHD-Cover-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-12-schd-cover-01.jpg</image:loc><image:title>2024-12-12 SCHD-Cover-01</image:title><image:caption>Loading up on more ETF SCHD for the Easy Income Strategy.</image:caption></image:image><lastmod>2024-12-12T15:56:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/10/easy-income-strategy-december-2024/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-10_dividendhistory-2019-2024ytd.jpg</image:loc><image:title>2024-12-10_DividendHistory-2019-2024YTD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-10_december-estimated-dividends.jpg</image:loc><image:title>2024-12-10_December-Estimated-Dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-10_dividends-cover.jpg</image:loc><image:title>2024-12-10_Dividends-COVER</image:title><image:caption>Easy Income December 2024 Forecast</image:caption></image:image><lastmod>2024-12-10T14:47:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/09/looking-back-to-last-week-and-forward-too/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-09_spreadsheet-single.jpg</image:loc><image:title>2024-12-09_Spreadsheet-single</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-09_spreadsheet.jpg</image:loc><image:title>2024-12-09_Spreadsheet</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-09-activity-taxes-buy-sells-cover.jpg</image:loc><image:title>2024-12-09 ACTIVITY-Taxes-Buy-Sells-COVER</image:title><image:caption>Thinking about planning for income taxes, giving, buying and selling before the end of the year.</image:caption></image:image><lastmod>2024-12-09T13:49:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/08/sunday-quote-talk/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-08_language-verse-talk.jpg</image:loc><image:title>2024-12-08_Language-Verse-TALK</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-08-talk-cover.jpg</image:loc><image:title>2024-12-08 TALK-COVER</image:title><image:caption>1 John 3:18</image:caption></image:image><lastmod>2024-12-08T13:06:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/04/reit-holdings-update-adc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-04_adc-stockrover-warnings.jpg</image:loc><image:title>2024-12-04_ADC-StockRover-WARNINGS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-04_adc-properties-cover.jpg</image:loc><image:title>2024-12-04_ADC-Properties-COVER</image:title><image:caption>ADC Agree Realty - A monthly dividend REIT</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-04_adc-properties-snapshot.jpg</image:loc><image:title>2024-12-04_ADC-Properties-Snapshot</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-04_adc-properties-investmentgrades.jpg</image:loc><image:title>2024-12-04_ADC-Properties-InvestmentGrades</image:title></image:image><lastmod>2024-12-04T14:39:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/12/02/thanksgiving-and-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-02-thanksgiving-grandchildren.jpg</image:loc><image:title>2024-12-02 Thanksgiving-Grandchildren</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/12/2024-12-02-thanksgiving-cover.jpg</image:loc><image:title>2024-12-02 Thanksgiving-COVER</image:title><image:caption>Thanksgiving for Investors</image:caption></image:image><lastmod>2024-12-02T13:25:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/24/fight-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-24-understandtheenemy.jpg</image:loc><image:title>2024-11-24 UnderstandTheEnemy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-24-fight-fmf-cover.jpg</image:loc><image:title>2024-11-24 Fight-FMF-COVER</image:title><image:caption>Five-Minute Friday FIGHT</image:caption></image:image><lastmod>2024-11-27T14:43:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/20/dividends-and-income-taxes/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_brokerage-1099-dividends.jpg</image:loc><image:title>2024-11-20_Brokerage-1099-Dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_brokerage-1099-dividends-details.jpg</image:loc><image:title>2024-11-20_Brokerage-1099-Dividends-DETAILS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_brokerage-1099-dividends-2023-ytd.jpg</image:loc><image:title>2024-11-20_Brokerage-1099-Dividends-2023-YTD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_brokerage-1099-dividends-2024-ytd.jpg</image:loc><image:title>2024-11-20_Brokerage-1099-Dividends-2024-YTD</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_utma-1099-dividends-2023-totals.jpg</image:loc><image:title>2024-11-20_UTMA-1099-Dividends-2023-TOTALS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-20_utma-1099-dividends-2023-details.jpg</image:loc><image:title>2024-11-20_UTMA-1099-Dividends-2023-DETAILS</image:title></image:image><lastmod>2024-11-20T17:10:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/18/the-right-tools-for-monitoring-your-positions/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18_fidelitypositions-wayne-roth-l-ne.jpg</image:loc><image:title>2024-11-18_FidelityPositions-Wayne-ROTH-L-NE</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18_fidelitypositionsuserguide-wayne-eog.jpg</image:loc><image:title>2024-11-18_FidelityPositionsUserGuide-Wayne-EOG</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18-cabinets-unfinished.jpg</image:loc><image:title>2024-11-18 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Cabinets-Step-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18_biscuits-example.jpg</image:loc><image:title>2024-11-18_Biscuits-Example</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18_biscuits-bits.jpg</image:loc><image:title>2024-11-18_Biscuits-Bits</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-18-tools-portfolio-cover.jpg</image:loc><image:title>2024-11-18 Tools-Portfolio-COVER</image:title><image:caption>The Right Tools for Monitoring Your Positions</image:caption></image:image><lastmod>2024-11-18T21:22:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/16/recipe-zuppa-toscana-in-the-crockpot/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-16-zuppatoscana.jpg</image:loc><image:title>2024-11-16 ZuppaToscana</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-16-zuppatoscana-done.jpg</image:loc><image:title>2024-11-16 ZuppaToscana-DONE</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-16-zuppatoscana-spices.jpg</image:loc><image:title>2024-11-16 ZuppaToscana-Spices</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-16-zuppatoscana-directions.jpg</image:loc><image:title>2024-11-16 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Recipe</image:caption></image:image><lastmod>2024-11-16T18:53:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/15/void-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15_poor-01.jpg</image:loc><image:title>2024-11-15_Poor-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15_poor-02.jpg</image:loc><image:title>2024-11-15_Poor-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15_fnf-void-cover.jpg</image:loc><image:title>2024-11-15_FNF-VOID-COVER</image:title><image:caption>Five-Minute Friday - VOID</image:caption></image:image><lastmod>2024-11-17T12:13:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/15/the-most-important-thing-is-understanding-risk/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15_abbv-buy-100-shares-coveredcalltoo.jpg</image:loc><image:title>2024-11-15_ABBV-BUY-100-SHARES-CoveredCallToo</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15_immp-buy-500-shares.jpg</image:loc><image:title>2024-11-15_IMMP-BUY-500-SHARES</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-15-themostimportant-understandrisk.jpg</image:loc><image:title>2024-11-15 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Thing."</image:caption></image:image><lastmod>2024-11-15T01:32:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/11/14/im-not-the-landlord-send-me-the-rent/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-14_atp-fcpt_adc-holdings.jpg</image:loc><image:title>2024-11-14_ATP-FCPT_ADC-Holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-14_atp-fcpt_adc-ess.jpg</image:loc><image:title>2024-11-14_ATP-FCPT_ADC-ESS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-14_adc-dividend-monthly-email.jpg</image:loc><image:title>2024-11-14_ADC-Dividend-Monthly-EMAIL</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-14_fcpt-dividendincreased3percent-email.jpg</image:loc><image:title>2024-11-14_FCPT-DividendIncreased3Percent-EMAIL</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/11/2024-11-14-reitrent-cover.jpg</image:loc><image:title>2024-11-14 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alerted.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-percent-decreasebypercent-sava-reactivate-website.jpg</image:loc><image:title>2024-09-23_ALERT-Percent-DecreaseByPercent-SAVA-Reactivate-Website</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-percent-decreasebypercent-sava-reactivate-email.jpg</image:loc><image:title>2024-09-23_ALERT-Percent-DecreaseByPercent-SAVA-Reactivate-Email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-percent-increasebypercent-dnmr.jpg</image:loc><image:title>2024-09-23_ALERT-Percent-IncreaseByPercent-DNMR</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-pricealert-wentabove-ibm.jpg</image:loc><image:title>2024-09-23_ALERT-PriceAlert-WentAbove-IBM</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-52-weekhigh-pltr.jpg</image:loc><image:title>2024-09-23_ALERT-52-WeekHigh-PLTR</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-atp-abbv.jpg</image:loc><image:title>2024-09-23_ALERT-ATP-ABBV</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_alert-percent-decreasebypercent-sava.jpg</image:loc><image:title>2024-09-23_ALERT-Percent-DecreaseByPercent-SAVA</image:title></image:image><lastmod>2024-09-26T12:02:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/25/why-we-have-a-revocable-trust/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-25_trust-assets.jpg</image:loc><image:title>2024-09-25_Trust-ASSETS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-25_fordescape.jpg</image:loc><image:title>2024-09-25_FordEscape</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-25_brokerage.jpg</image:loc><image:title>2024-09-25_Brokerage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-25_home.jpg</image:loc><image:title>2024-09-25_Home</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-25_trust-cover.jpg</image:loc><image:title>2024-09-25_Trust-COVER</image:title><image:caption>Why we have a trust.</image:caption></image:image><lastmod>2024-09-25T11:49:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/24/history-of-our-revocable-living-trust/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_willsandtrust.jpg</image:loc><image:title>2024-09-24_WillsAndTrust</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_2015-attorneycoverletter-trust.jpg</image:loc><image:title>2024-09-24_2015-AttorneyCoverLetter-Trust</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_2014-revised-trust.jpg</image:loc><image:title>2024-09-24_2014-REVISED-Trust</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_2005-revised-trust.jpg</image:loc><image:title>2024-09-24_2005-REVISED-Trust</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_1988-wlw-trust.jpg</image:loc><image:title>2024-09-24_1988-WLW-Trust</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-24_trust-cover.jpg</image:loc><image:title>2024-09-24_Trust-COVER</image:title><image:caption>Do you need a will? Yes. Do you need a trust? Perhaps.</image:caption></image:image><lastmod>2024-09-24T11:30:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/23/investing-plan-philosophy-and-practices/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_investingphilosopy-baseball-cover-2.jpg</image:loc><image:title>2024-09-23_InvestingPhilosopy-Baseball-COVER-2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-23_investingphilosopy-baseball-cover.jpg</image:loc><image:title>2024-09-23_InvestingPhilosopy-Baseball-COVER</image:title><image:caption>Do you have any wisdom regarding an investing plan, your investing philosophy, or your investing practices, Wayne?</image:caption></image:image><lastmod>2024-09-23T13:06:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/22/looking-back-and-looking-forward/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-22-lookingback-cover.jpg</image:loc><image:title>2024-09-22 LookingBack-COVER</image:title><image:caption>“Children are the living messages we send to a time we will not see.” John W. Whitehead</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-22-countingyourblessings-mia-violet.jpg</image:loc><image:title>2024-09-22 CountingYourBlessings-Mia-Violet</image:title></image:image><lastmod>2024-09-22T11:56:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/21/the-sequence-of-investment-withdrawals/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_qcd_rmd_ira-taxes.jpg</image:loc><image:title>2024-09-20_QCD_RMD_IRA-TAXES</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-21-sequencewithdrawals-cover.jpg</image:loc><image:title>2024-09-21 SequenceWithdrawals-COVER</image:title><image:caption>The sequence of withdrawals from retirement accounts should be planned for taxes and estate planning purposes.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-21-sequencewithdrawals-question.jpg</image:loc><image:title>2024-09-21 SequenceWithdrawals-Question</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_goal-thetreasureprinciple.jpg</image:loc><image:title>2024-09-20_GOAL-TheTreasurePrinciple</image:title></image:image><lastmod>2024-09-22T13:16:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/20/big-supplemental-dividend-from-gain/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_gain-investments.jpg</image:loc><image:title>2024-09-20_GAIN-Investments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-19_vym-dividend-q3.jpg</image:loc><image:title>2024-09-19_VYM-Dividend-Q3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-19_seekingalpha-gain-factors.jpg</image:loc><image:title>2024-09-19_SeekingAlpha-GAIN-Factors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-19_seekingalpha-gain-dividends.jpg</image:loc><image:title>2024-09-19_SeekingAlpha-GAIN-Dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-19_seekingalpha-announcement.jpg</image:loc><image:title>2024-09-19_SeekingAlpha-Announcement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_gain-supplementaldividend-70cents.jpg</image:loc><image:title>2024-09-20_GAIN-SupplementalDividend-70cents</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_gain-atp-sharesowned4700.jpg</image:loc><image:title>2024-09-20_GAIN-ATP-SharesOwned4700</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-20_gain-cover.jpg</image:loc><image:title>2024-09-20_GAIN-COVER</image:title><image:caption>GAIN is a diversified BDC that is paying a supplemental dividend.</image:caption></image:image><lastmod>2024-09-22T15:34:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/19/is-your-insurance-company-sensible-and-solvent/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-18_insurancecostcomparison-rural-safeco.jpg</image:loc><image:title>2024-09-18_InsuranceCostComparison-Rural-Safeco</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-19_insurance-company-cover.jpg</image:loc><image:title>2024-09-19_INSURANCE-COMPANY-COVER</image:title><image:caption>What do you expect of your insurance company?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-18_ruralmutual-insurance-weiss.jpg</image:loc><image:title>2024-09-18_RuralMutual-Insurance-WEISS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-18_ruralmutualinsurancecompany-weissratings-search-b-.jpg</image:loc><image:title>2024-09-18_RuralMutualInsuranceCompany-WeissRatings-Search-B-</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-18_libertymutual-insurance-weiss.jpg</image:loc><image:title>2024-09-18_LibertyMutual-Insurance-WEISS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-18_ruralmutualinsurancecompany-overview.jpg</image:loc><image:title>2024-09-18_RuralMutualInsuranceCompany-Overview</image:title></image:image><lastmod>2024-09-18T15:42:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/18/sold-self/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_stockrover-dividends-graph-2008-2024.jpg</image:loc><image:title>2024-09-17_StockRover-Dividends-Graph-2008-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-wallmine-insiders.jpg</image:loc><image:title>2024-09-17_SELF-Wallmine-Insiders</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-seekingalpha-summary-1.jpg</image:loc><image:title>2024-09-17_SELF-SeekingAlpha-SUMMARY</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-cover-1.jpg</image:loc><image:title>2024-09-17_SELF-COVER</image:title><image:caption>Sold all shares of REIT SELF</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-cover.jpg</image:loc><image:title>2024-09-17_SELF-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-seekingalpha-no-quant-1.jpg</image:loc><image:title>2024-09-17_SELF-SeekingAlpha-no-QUANT</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_self-seekingalpha-summary.jpg</image:loc><image:title>2024-09-17_SELF-SeekingAlpha-SUMMARY</image:title></image:image><lastmod>2024-09-17T20:45:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/17/when-is-payday-it-is-any-day/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_payday-anyday-cover.jpg</image:loc><image:title>2024-09-17_Payday-AnyDay-COVER</image:title><image:caption>Payday can be any day you want to work.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_optionalpays-2024-ytd-options.jpg</image:loc><image:title>2024-09-17_OptionalPays-2024-YTD-Options</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-17_princecorporation.jpg</image:loc><image:title>2024-09-17_PrinceCorporation</image:title></image:image><lastmod>2024-09-17T12:01:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/16/when-is-payday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-16_dividendpaydays-1.jpg</image:loc><image:title>2024-09-16_DividendPaydays</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-16_dividendpaydays.jpg</image:loc><image:title>2024-09-16_DividendPaydays</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-16_paydayserrolflynn.jpg</image:loc><image:title>2024-09-16_PaydaysErrolFlynn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-16_payday-cover.jpg</image:loc><image:title>2024-09-16_Payday-COVER</image:title><image:caption>Payday can be very frequent and it may be FINAL</image:caption></image:image><lastmod>2024-09-16T14:13:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/13/an-investing-strategy-misconception/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-13_september-dividends-by-paydate.jpg</image:loc><image:title>2024-09-13_September-Dividends-By-PayDate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-13_september-dividends-by-paydate-byticker-chart.jpg</image:loc><image:title>2024-09-13_September-Dividends-By-PayDate-ByTicker-CHART</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-13_annualdividends-2003-2024.jpg</image:loc><image:title>2024-09-13_AnnualDividends-2003-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-13_dividendsdummies-cover.jpg</image:loc><image:title>2024-09-13_DividendsDummies-COVER</image:title><image:caption>Dividend Stocks are for Dummies. I am one of the dummies.</image:caption></image:image><lastmod>2024-09-13T11:52:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/11/inflation-social-security-cola-and-jesus/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-11_yourplans-2025-worry-cover.jpg</image:loc><image:title>2024-09-11_YourPlans-2025-WORRY-COVER</image:title><image:caption>Inflation, Social Security, COLA, and Jesus</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-11_socialsecurityincrease-estimate-2025.jpg</image:loc><image:title>2024-09-11_SocialSecurityIncrease-Estimate-2025</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-11_socialsecurityincrease-medicarecola-2025.jpg</image:loc><image:title>2024-09-11_SocialSecurityIncrease-MedicareCOLA-2025</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-11_yourplans-2025.jpg</image:loc><image:title>2024-09-11_YourPlans-2025</image:title></image:image><lastmod>2024-09-11T14:02:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/10/fully-paid-lending-program-another-puzzle-piece/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-10_august-2024-fplp-puzzle-cover.jpg</image:loc><image:title>2024-09-10_August-2024-FPLP-Puzzle-COVER</image:title><image:caption>Fidelity Fully Paid Lending Program Statements</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-10_august-2024-fplp-roth-irastmt.jpg</image:loc><image:title>2024-09-10_August-2024-FPLP-ROTH-IRAStmt</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-10_august-2024-fplp-traditionalirastmt.jpg</image:loc><image:title>2024-09-10_August-2024-FPLP-TraditionalIRAStmt</image:title></image:image><lastmod>2024-09-10T15:25:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/09/up-roll-up-roll-and-resistance-as-a-guide/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-seekingalphadividends.jpg</image:loc><image:title>2024-09-09_IBM-SeekingAlphaDividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-roll-cover.jpg</image:loc><image:title>2024-09-09_IBM-ROLL-COVER</image:title><image:caption>IBM Covered Call Option Rolls - A Wise Manuever</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-optionstrades.jpg</image:loc><image:title>2024-09-09_IBM-OptionsTrades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-52-weekhigh.jpg</image:loc><image:title>2024-09-09_IBM-52-WeekHigh</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-support.jpg</image:loc><image:title>2024-09-09_IBM-Support</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-resistance.jpg</image:loc><image:title>2024-09-09_IBM-Resistance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-09_ibm-support-alerts.jpg</image:loc><image:title>2024-09-09_IBM-Support-ALERTS</image:title></image:image><lastmod>2024-09-09T12:27:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/06/youth-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-06-fmf-youth-cover.jpg</image:loc><image:title>2024-09-06-FMF-YOUTH-COVER</image:title><image:caption>Five-Minute Friday: YOUTH can be a source of wisdom when they take advice and put that wisdom into practice.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-06_victorhugo.jpg</image:loc><image:title>2024-09-06_VictorHugo</image:title></image:image><lastmod>2024-09-07T12:03:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/09/07/fully-paid-lending-program-status-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-07_fidelityactivityview-fullypaid-abr_sava.jpg</image:loc><image:title>2024-09-07_FidelityActivityView-FullyPaid-ABR_SAVA</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-07_fidelityactivityview-fullypaid-abr_sava-details.jpg</image:loc><image:title>2024-09-07_FidelityActivityView-FullyPaid-ABR_SAVA-Details</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-07_loanedsecurities-status-acct2345.jpg</image:loc><image:title>2024-09-07_LoanedSecurities-Status-Acct2345</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-07_loanedsecurities-status-acct1806.jpg</image:loc><image:title>2024-09-07_LoanedSecurities-Status-Acct1806</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/09/2024-09-07_interestpaid-flplp-cover.jpg</image:loc><image:title>2024-09-07_InterestPaid-FLPLP-COVER</image:title><image:caption>Fully Paid Lending Program as an Easy Income Opportunity: It 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Fully Paid Lending Program Setup SUCCESS!</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-21_loanedsecurities-sava-positions-l.jpg</image:loc><image:title>2024-08-21_LoanedSecurities-SAVA-Positions-L</image:title></image:image><lastmod>2024-08-21T18:16:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/20/fully-paid-lending-program-setting-it-up-fplp/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_fidelityfullypaidlending-cover-2.jpg</image:loc><image:title>2024-08-20_FidelityFullyPaidLending-COVER-2</image:title><image:caption>Fidelity Investments Paid Lending Program Setup</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-step-4-confirmation.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-STEP-4-Confirmation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-step-3b-agreetermsconds.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-STEP-3b-AgreeTermsConds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-step-3-agreetermsconds.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-STEP-3-AgreeTermsConds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-step-2-eligibleaccounts.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-STEP-2-EligibleAccounts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-step-1-portfolioanalysis.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-STEP-1-PortfolioAnalysis</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-positions-clw-ira-abr-main-sava.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-POSITIONS-CLW-IRA-ABR-MAIN-SAVA</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-positions-roth-ira-abr-main.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-POSITIONS-ROTH-IRA-ABR-MAIN</image:title></image:image><lastmod>2024-08-20T00:26:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/20/three-types-of-inflation-and-the-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_inflationtypeone.jpg</image:loc><image:title>2024-08-20_InflationTypeOne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_inflation-toiletpaperroll.jpg</image:loc><image:title>2024-08-20_Inflation-ToiletPaperRoll</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_governmentquotes-02.jpg</image:loc><image:title>2024-08-20_GovernmentQuotes-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_governmentquotes-bookcover.jpg</image:loc><image:title>2024-08-20_GovernmentQuotes-BookCover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_governmentquotes-01.jpg</image:loc><image:title>2024-08-20_GovernmentQuotes-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-20_inflation-sneaky-cover.jpg</image:loc><image:title>2024-08-20_Inflation-Sneaky-COVER</image:title><image:caption>Sneaky Inflation and Investing</image:caption></image:image><lastmod>2024-08-20T13:45:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/19/monthly-income-in-retirement-fplp/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-dividendsonlendedshares.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-DividendsOnLendedShares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-faqs.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-FAQs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-positions-alert-didyouknow.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-POSITIONS-Alert-DidYouKnow</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-19_fidelityfullypaidlending-cover.jpg</image:loc><image:title>2024-08-19_FidelityFullyPaidLending-COVER</image:title><image:caption>Fidelity Fully Paid Lending Program</image:caption></image:image><lastmod>2024-08-19T11:23:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/17/expired-covered-call-option-contracts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-17_expiredcoveredcalloptioncontracts-abbv-notes.jpg</image:loc><image:title>2024-08-17_ExpiredCoveredCallOptionContracts-ABBV-Notes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-17_expiredcoveredcalloptioncontracts.jpg</image:loc><image:title>2024-08-17_ExpiredCoveredCallOptionContracts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-17-expiredoptions-cover.jpg</image:loc><image:title>2024-08-17 ExpiredOptions-COVER</image:title><image:caption>Expired Covered Call Options Contracts</image:caption></image:image><lastmod>2024-08-17T17:38:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/16/defeat-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-16_defeat-quotes.jpg</image:loc><image:title>2024-08-16_DEFEAT-QUOTES</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-16_defeat-quotes-bookcover.jpg</image:loc><image:title>2024-08-16_DEFEAT-QUOTES-BookCover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-16_cross-defeat-victory-cover.jpg</image:loc><image:title>2024-08-16_Cross-DEFEAT-VICTORY-COVER</image:title><image:caption>Five-Minute Friday: DEFEAT</image:caption></image:image><lastmod>2024-08-18T11:23:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/13/is-your-investment-portfolio-sick/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_smci-seekingalpha-quant-buy.jpg</image:loc><image:title>2024-08-13_SMCI-SeekingAlpha-QUANT-BUY</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_smci-ess-bearish.jpg</image:loc><image:title>2024-08-13_SMCI-ESS-Bearish</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_equitysummaryscore-fidelity.jpg</image:loc><image:title>2024-08-13_EquitySummaryScore-Fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_howhealthyisyourportfolio-strengths.jpg</image:loc><image:title>2024-08-13_HowHealthyIsYourPortfolio-Strengths</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_howhealthyisyourportfolio-comparedtoothers.jpg</image:loc><image:title>2024-08-13_HowHealthyIsYourPortfolio-ComparedToOthers</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_howhealthyisyourportfolio.jpg</image:loc><image:title>2024-08-13_HowHealthyIsYourPortfolio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_wayne-traditional-ira.jpg</image:loc><image:title>2024-08-13_Wayne-Traditional-IRA</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13_violet-utma.jpg</image:loc><image:title>2024-08-13_Violet-UTMA</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-13-sick-portfolio-cover.jpg</image:loc><image:title>2024-08-13 SICK-PORTFOLIO-COVER</image:title><image:caption>Is Your Investment Portfolio Sick? Seeking Alpha can help.</image:caption></image:image><lastmod>2024-08-13T12:27:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/12/do-you-know-your-cd-cash-flow/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_cd-paymentschedule.jpg</image:loc><image:title>2024-08-12_CD-PaymentSchedule</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_fdic-concentration-cds.jpg</image:loc><image:title>2024-08-12_FDIC-Concentration-CDs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_fixedincomeinvestments-analytics.jpg</image:loc><image:title>2024-08-12_FixedIncomeInvestments-Analytics</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_cd-cashflow.jpg</image:loc><image:title>2024-08-12_CD-CashFlow</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_cd-cashflow-graph.jpg</image:loc><image:title>2024-08-12_CD-CashFlow-GRAPH</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-12_cd-cover.jpg</image:loc><image:title>2024-08-12_CD-COVER</image:title><image:caption>CD Income Cash Flow Tool</image:caption></image:image><lastmod>2024-08-11T20:36:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/10/where-in-the-world-are-your-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-10-world-cover.jpg</image:loc><image:title>2024-08-10 World-COVER</image:title><image:caption>Where in the World Are Your Investments?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-10_fidelityanalysis-geographicregion-unitedkingdom.jpg</image:loc><image:title>2024-08-10_FidelityAnalysis-GeographicRegion-UNITEDKINGDOM</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-10_fidelityanalysis-geographicregion-main.jpg</image:loc><image:title>2024-08-10_FidelityAnalysis-GeographicRegion-MAIN</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-10_fidelityanalysis-geographicregion-europe-developed.jpg</image:loc><image:title>2024-08-10_FidelityAnalysis-GeographicRegion-EUROPE-DEVELOPED</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-10_fidelityanalysis-geographicregion-northamerica.jpg</image:loc><image:title>2024-08-10_FidelityAnalysis-GeographicRegion-NORTHAMERICA</image:title></image:image><lastmod>2024-08-10T15:37:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/09/scene-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-09-miraclemax.jpg</image:loc><image:title>2024-08-09 MiracleMax</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-09-scene-cover.jpg</image:loc><image:title>2024-08-09 Scene-COVER</image:title><image:caption>Five-Minute Friday SCENE.</image:caption></image:image><lastmod>2024-08-10T14:39:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/09/options-trades-for-easy-income/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-08_coveredcalloption-cm-10contracts.jpg</image:loc><image:title>2024-08-08_CoveredCallOption-CM-10Contracts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-08_roll-o.jpg</image:loc><image:title>2024-08-08_ROLL-O</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-08_optionstrade-email.jpg</image:loc><image:title>2024-08-08_OptionsTrade-Email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-08-optionstradesfor-easyincome-cover.jpg</image:loc><image:title>2024-08-08 OptionsTradesFor-EasyIncome-COVER</image:title><image:caption>Options Trading is the chocolate Easy Income Dessert</image:caption></image:image><lastmod>2024-08-08T22:47:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/07/easy-income-strategy-dividend-announcements/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-07-28-cindiewayne-mtrushmore.jpg</image:loc><image:title>2024-07-28 CindieWayne-MtRushmore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07-dividends-easyincome-cover.jpg</image:loc><image:title>2024-08-07 Dividends-EasyIncome-COVER</image:title><image:caption>Easy Income Strategy is both Monthly and Quarterly. It can also be high yield.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_tslx-dividend-supplementaldividend.jpg</image:loc><image:title>2024-08-07_TSLX-Dividend-SupplementalDividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_cgbd-dividend-supplementaldividend.jpg</image:loc><image:title>2024-08-07_CGBD-Dividend-SupplementalDividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_cswc-nii-announced.jpg</image:loc><image:title>2024-08-07_CSWC-NII-Announced</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_pnnt-monthly-dividend.jpg</image:loc><image:title>2024-08-07_PNNT-MONTHLY-Dividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_cswc-dividendincrease-supplementaldividend.jpg</image:loc><image:title>2024-08-07_CSWC-DividendIncrease-SupplementalDividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_main-monthly-dividend-supplementaldividend.jpg</image:loc><image:title>2024-08-07_MAIN-MONTHLY-Dividend-SupplementalDividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_main-companyannouncement.jpg</image:loc><image:title>2024-08-07_MAIN-CompanyAnnouncement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-07_fivefinancialinvestments-dividends.jpg</image:loc><image:title>2024-08-07_FiveFinancialInvestments-Dividends</image:title></image:image><lastmod>2024-08-07T02:04:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/08/03/tolerate-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-03-tolerate-cover.jpg</image:loc><image:title>2024-08-03 TOLERATE-COVER</image:title><image:caption>Five-Minute Friday - TOLERATE</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/08/2024-08-04-sermon-proverbs3_5-8.jpg</image:loc><image:title>2024-08-04 Sermon-Proverbs3_5-8</image:title></image:image><lastmod>2024-08-11T22:24:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/07/26/rewind-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/07/2024-07-26-fools-words.jpg</image:loc><image:title>2024-07-26 FOOLS-WORDS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/07/2024-07-26-buttons.jpg</image:loc><image:title>2024-07-26 BUTTONS</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/07/2024-07-26-rewind-cover.jpg</image:loc><image:title>2024-07-26 REWIND-COVER</image:title><image:caption>REWIND: Five-Minute 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Costs-Investing-COVER</image:title><image:caption>Are your investments efficient? Are they costly? What are your total fees?</image:caption></image:image><lastmod>2024-05-13T01:54:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/12/someday-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-12-money.jpg</image:loc><image:title>Money,-,Not,A,Very,Reliable,Construction,Or,Holes,In</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-12-someday-fmf-cover.jpg</image:loc><image:title>2024-05-12 Someday-FMF-Cover</image:title><image:caption>Five-Minute Friday: Someday</image:caption></image:image><lastmod>2024-05-12T12:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/07/self-news-sell-alert/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_self-seekingalpha.jpg</image:loc><image:title>2024-05-07_self-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07-alert-cover.jpg</image:loc><image:title>2024-05-07 ALERT-COVER</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_self-email.jpg</image:loc><image:title>2024-05-07_self-email</image:title></image:image><lastmod>2024-05-07T16:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/07/the-wise-and-the-fools-need-to-prepare-for-retirement/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_retirement-fidelityinvestorcommunity.jpg</image:loc><image:title>2024-05-07_retirement-fidelityinvestorcommunity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_barronssocialsecurity.jpg</image:loc><image:title>2024-05-07_barronssocialsecurity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_barronsstocksvsbonds.jpg</image:loc><image:title>2024-05-07_barronsstocksvsbonds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-07_retirement-cover.jpg</image:loc><image:title>2024-05-07_Retirement-COVER</image:title><image:caption>"What the wise do in the beginning, the fools do in the end." Warren Buffett</image:caption></image:image><lastmod>2024-05-07T17:01:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/05/some-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-05-some-cover.jpg</image:loc><image:title>2024-05-05 SOME-COVER</image:title></image:image><lastmod>2024-05-07T18:23:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/02/smci-entry-point-cash-covered-put-option/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-stockrover.jpg</image:loc><image:title>2024-05-02_smci-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-seekingalpha-summary.jpg</image:loc><image:title>2024-05-02_smci-seekingalpha-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-fidelity-atp-research.jpg</image:loc><image:title>2024-05-02_smci-fidelity-atp-research</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-putroll-725-to-700.jpg</image:loc><image:title>2024-05-02_smci-putroll-725-to-700</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-fidelity-atp-positions.jpg</image:loc><image:title>2024-05-02_smci-fidelity-atp-positions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-02_smci-cover.jpg</image:loc><image:title>2024-05-02_SMCI-COVER</image:title><image:caption>SMCI has potential so I am selling cash covered put options</image:caption></image:image><lastmod>2024-05-02T14:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/05/01/easy-income-strategy-ibm/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-01_ibm-sa-ratings.jpg</image:loc><image:title>2024-05-01_ibm-sa-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-01_ibm-fidelityatp.jpg</image:loc><image:title>2024-05-01_ibm-fidelityatp</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-01_ibm-sa-ratingupgrade.jpg</image:loc><image:title>2024-05-01_ibm-sa-ratingupgrade</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/05/2024-05-01_ibm-cover.jpg</image:loc><image:title>2024-05-01_IBM-Cover</image:title><image:caption>IBM offers a tiny dividend increase 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income</image:caption></image:image><lastmod>2024-03-06T20:03:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/03/06/six-steps-for-a-covered-call-option-trade/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-07_option-pltr-avgo-qcom.jpg</image:loc><image:title>2024-03-07_option-pltr-avgo-qcom</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-07_option-pltr-covcall-07-orderfilled.jpg</image:loc><image:title>2024-03-07_option-pltr-covcall-07-orderfilled</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-06-orderreceived-confirmation.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-06-orderreceived-confirmation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-05-tradepreview.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-05-tradepreview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-04-orderentrylimitbid-ask.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-04-orderentrylimitbid-ask</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-03-orderdetails-probability.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-03-orderdetails-probability</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-02-ess-earnings-dividends.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-02-ess-earnings-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-06_option-pltr-covcall-01-closedposition.jpg</image:loc><image:title>2024-03-06_option-pltr-covcall-01-closedposition</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-07_option-pltr-cover-1.jpg</image:loc><image:title>2024-03-07_Option-PLTR-COVER</image:title><image:caption>Six Simple Steps for a Low Cost Covered Call Option Trade</image:caption></image:image><lastmod>2024-03-14T01:17:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/03/05/preparing-for-retirement-health-care-costs-part-two/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_physiciansmutual-premiumtypes-04.jpg</image:loc><image:title>2024-03-02_physiciansmutual-premiumtypes-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_physiciansmutual-premiumhistory-03.jpg</image:loc><image:title>2024-03-02_physiciansmutual-premiumhistory-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_physiciansmutual-premiumhistory-02.jpg</image:loc><image:title>2024-03-02_physiciansmutual-premiumhistory-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_physiciansmutual-coverletter-01.jpg</image:loc><image:title>2024-03-02_physiciansmutual-coverletter-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-05_weissratingsmedigap.jpg</image:loc><image:title>2024-03-05_weissratingsmedigap</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-05_physiciansmutual-medigap-byage.jpg</image:loc><image:title>2024-03-05_physiciansmutual-medigap-byage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_retirementhealthinsurance-2-of-2-cover.jpg</image:loc><image:title>2024-03-02_RetirementHealthInsurance-2-of-2-COVER</image:title><image:caption>Preparing for the costs of health insurance part 2</image:caption></image:image><lastmod>2024-03-05T12:47:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/03/04/preparing-for-retirement-health-care-costs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_retirementhealthinsurance-somanychoices.jpg</image:loc><image:title>2024-03-02_retirementhealthinsurance-somanychoices</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_retirementhealthinsurance-cover.jpg</image:loc><image:title>2024-03-02_RetirementHealthInsurance-COVER</image:title><image:caption>Preparing for the costs of health care in retirement</image:caption></image:image><lastmod>2024-03-03T22:38:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/03/02/suffer-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02-job-lying-on-the-heap-of-refuse.jpg</image:loc><image:title>2024-03-02-job-lying-on-the-heap-of-refuse</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_suffer-job-23_10-11.jpg</image:loc><image:title>2024-03-02_suffer-job-23_10-11</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-02_suffer-cover.jpg</image:loc><image:title>2024-03-02_Suffer-COVER</image:title><image:caption>Suffering Times 100</image:caption></image:image><lastmod>2024-03-08T19:22:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/03/01/february-2024-dividend-bumps-and-specials-summarized/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_february-2024-eis-dividendreview-table-04.jpg</image:loc><image:title>2024-03-01_february-2024-eis-dividendreview-table-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_february-2024-eis-dividendreview-table-03.jpg</image:loc><image:title>2024-03-01_february-2024-eis-dividendreview-table-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_february-2024-eis-dividendreview-table-02.jpg</image:loc><image:title>2024-03-01_february-2024-eis-dividendreview-table-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_february-2024-eis-dividendreview-table-01.jpg</image:loc><image:title>2024-03-01_february-2024-eis-dividendreview-table-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_investing-cover.jpg</image:loc><image:title>2024-03-01_Investing-COVER</image:title><image:caption>February 2024 Easy Income</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_cgbd-email-dividends.jpg</image:loc><image:title>2024-03-01_cgbd-email-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_cgbd-sa-5-year-total-return-105percent.jpg</image:loc><image:title>2024-03-01_cgbd-sa-5-year-total-return-105percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_cgbd-stockrover-dividendchart.jpg</image:loc><image:title>2024-03-01_cgbd-stockrover-dividendchart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/03/2024-03-01_cgbd-sa-5-year-quant-ranking.jpg</image:loc><image:title>2024-03-01_cgbd-sa-5-year-quant-ranking</image:title></image:image><lastmod>2024-03-01T12:02:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/22/more-supplemental-dividends-are-helpful-for-income-obdc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-seekingalpha-3yeartotalreturns.jpg</image:loc><image:title>2024-02-22_obdc-seekingalpha-3yeartotalreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-stockrover-scores.jpg</image:loc><image:title>2024-02-22_obdc-stockrover-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-winquistholdings-5300shares.jpg</image:loc><image:title>2024-02-22_obdc-winquistholdings-5300shares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-stockrover-dividendchart.jpg</image:loc><image:title>2024-02-22_obdc-stockrover-dividendchart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-seekingalphasummaryratings.jpg</image:loc><image:title>2024-02-22_obdc-seekingalphasummaryratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-blueowlcapital-dividendincrease-supplemental-email.jpg</image:loc><image:title>2024-02-22_obdc-blueowlcapital-dividendincrease-supplemental-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-22_obdc-cover.jpg</image:loc><image:title>2024-02-22_OBDC-COVER</image:title><image:caption>OBDC declared a dividend increase and a supplemental dividend.</image:caption></image:image><lastmod>2024-02-22T12:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/21/supplemental-dividends-are-helpful-for-income-main/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-top17-arcc_hrzn_main_obdc-seekingalpha.jpg</image:loc><image:title>2024-02-21_main-top17-arcc_hrzn_main_obdc-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-totalreturns-stockrover.jpg</image:loc><image:title>2024-02-21_main-totalreturns-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-totaltenyearreturn-seekingalpha.jpg</image:loc><image:title>2024-02-21_main-totaltenyearreturn-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-pricetenyearreturn-seekingalpha-1.jpg</image:loc><image:title>2024-02-21_main-pricetenyearreturn-seekingalpha-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-pricetenyearreturn-seekingalpha.jpg</image:loc><image:title>2024-02-21_main-pricetenyearreturn-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-monthly-supplemental-dividends-email.jpg</image:loc><image:title>2024-02-21_main-monthly-supplemental-dividends-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-cover.jpg</image:loc><image:title>2024-02-21_MAIN-COVER</image:title><image:caption>MAIN is a BDC that pays a monthly dividend. BDC - Business Development Company</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-holdings-eai-1.jpg</image:loc><image:title>2024-02-21_main-holdings-eai-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-21_main-holdings-eai.jpg</image:loc><image:title>2024-02-21_main-holdings-eai</image:title></image:image><lastmod>2024-02-22T01:27:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/20/special-dividends-are-special-for-tslx/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-dividendannouncementemail.jpg</image:loc><image:title>2024-02-20_tslx-dividendannouncementemail</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-eps-graph-2021-2023-stockrover-dividends-special.jpg</image:loc><image:title>2024-02-20_tslx-eps-graph-2021-2023-stockrover-dividends-special</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-totaltenyearreturns.jpg</image:loc><image:title>2024-02-20_tslx-totaltenyearreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-eps-graph-2019-2023.jpg</image:loc><image:title>2024-02-20_tslx-eps-graph-2019-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-revenue-graph-2019-2023.jpg</image:loc><image:title>2024-02-20_tslx-revenue-graph-2019-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-eps-graph-2014-2023-stockrover-dividends.jpg</image:loc><image:title>2024-02-20_tslx-eps-graph-2014-2023-stockrover-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-investments-companies.jpg</image:loc><image:title>2024-02-20_tslx-investments-companies</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-20_tslx-investments-cover.jpg</image:loc><image:title>2024-02-20_TSLX-Investments-COVER</image:title><image:caption>Investing in Sixth Street Specialty Lending. TSLX is a BDC.</image:caption></image:image><lastmod>2024-02-21T15:56:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/19/is-a-financial-advisor-needed/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-19_advisor-shoes-cover.jpg</image:loc><image:title>2024-02-19_Advisor-Shoes-COVER</image:title><image:caption>Is a Financial Advisor Needed? Can I do it myself?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-19_roof.jpg</image:loc><image:title>The,Top,Of,The,House,With,A,Nice,Window.</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-19_garagedoor.jpg</image:loc><image:title>Close,Up,On,Garage,Door,Repair.</image:title></image:image><lastmod>2024-02-19T15:32:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/16/spoil-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-16_fmf-spoil-cover.jpg</image:loc><image:title>2024-02-16_FMF-Spoil-COVER</image:title><image:caption>Five-Minute Friday: SPOIL</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-16_psalm-76-esv.jpg</image:loc><image:title>2024-02-16_psalm-76-esv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-16_proverbs2-esv.jpg</image:loc><image:title>2024-02-16_proverbs2-esv</image:title></image:image><lastmod>2024-02-17T12:49:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/16/why-i-am-buying-dtd/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-etf-grades.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-dividends.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-liquidity.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-liquidity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-performance.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-performance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-sector-comparisons.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-sector-comparisons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-top-10-comparisons.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-top-10-comparisons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-12_dtd-wisdomtreeetfs-dtd_don_des.jpg</image:loc><image:title>2024-02-12_dtd-wisdomtreeetfs-dtd_don_des</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-14_dtd_dgro_vym-schd-profiles.jpg</image:loc><image:title>2024-02-14_dtd_dgro_vym-schd-profiles</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-16_dtd-cover.jpg</image:loc><image:title>2024-02-16_DTD-Cover</image:title><image:caption>Why I am buying ETF "DTD"</image:caption></image:image><lastmod>2024-02-18T12:02:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/15/investing-ignoring-inflation/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-15_inflation-2000-2023.jpg</image:loc><image:title>2024-02-15_inflation-2000-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-15_inflation-2013-2023.jpg</image:loc><image:title>2024-02-15_inflation-2013-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-15_inflation-1969-2023.jpg</image:loc><image:title>2024-02-15_inflation-1969-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-15_inflation-cover.jpg</image:loc><image:title>2024-02-15_Inflation-COVER</image:title><image:caption>Don't ignore inflation when you invest</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-15_returns.jpg</image:loc><image:title>2024-02-15_returns</image:title></image:image><lastmod>2024-02-15T13:49:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/09/consume-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-09_fire.jpg</image:loc><image:title>Fire,In,Its,Most,Common,Form,Can,Lead,To,A</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-09_consume-cover.jpg</image:loc><image:title>2024-02-09_Consume-COVER</image:title><image:caption>Do your words consume you and others? Do my words do that too?</image:caption></image:image><lastmod>2024-02-10T02:25:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/08/four-easy-income-dividend-announcements-this-week/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_atp-allfour-dividends.jpg</image:loc><image:title>2024-02-08_atp-allfour-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_arescapital-dividend-email-exdate-mar14.jpg</image:loc><image:title>2024-02-08_arescapital-dividend-email-exdate-mar14</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_pennantpark-dividend-email-exdate-feb14.jpg</image:loc><image:title>2024-02-08_pennantpark-dividend-email-exdate-feb14</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_chevron-dividend-email-exdate-feb15.jpg</image:loc><image:title>2024-02-08_chevron-dividend-email-exdate-feb15</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_ford-dividend-email-exdate-feb15.jpg</image:loc><image:title>2024-02-08_ford-dividend-email-exdate-feb15</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_fourannouncements-f_cvx_pnnt_arcc-cover.jpg</image:loc><image:title>2024-02-08_FourAnnouncements-F_CVX_PNNT_ARCC-COVER</image:title><image:caption>Four Dividend Announcements for my Birthday</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-08_fourannouncements-f_cvx_pnnt_arcc-table.jpg</image:loc><image:title>2024-02-08_fourannouncements-f_cvx_pnnt_arcc-table</image:title></image:image><lastmod>2024-02-08T12:55:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/05/sanity-check-regarding-asset-classes-2014-2023/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-05_aaii-journal-cover.jpg</image:loc><image:title>2024-02-05_aaii-journal-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_ourtruckofinvestments.jpg</image:loc><image:title>2024-02-03_ourtruckofinvestments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-05_aaii-history-2014-2023-investments.jpg</image:loc><image:title>2024-02-05_aaii-history-2014-2023-investments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-05_jamesbond-rogermoore.jpg</image:loc><image:title>2024-02-05_jamesbond-rogermoore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-05_truck-cover.jpg</image:loc><image:title>2024-02-05_TRUCK-COVER</image:title><image:caption>What investments are in your portfolio container for the long haul? Which ones might be better than others?</image:caption></image:image><lastmod>2024-02-07T12:39:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/07/quick-profit-from-pltr-call-option-buy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-2205-screen-08.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-2205-screen-08</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-2205-screen-07.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-2205-screen-07</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-22-screen-06.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-22-screen-06</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-22-screen-05.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-22-screen-05</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-20-screen-04.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-20-screen-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-20-screen-03.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-20-screen-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-20-screen-02.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-20-screen-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-seekingalpha-summary.jpg</image:loc><image:title>2024-02-06_pltr-seekingalpha-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-premarket-selllimit-20-screen-01.jpg</image:loc><image:title>2024-02-06_pltr-premarket-selllimit-20-screen-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-06_pltr-ai-technologies.jpg</image:loc><image:title>2024-02-06_pltr-ai-technologies</image:title></image:image><lastmod>2024-02-07T11:26:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/03/illustrating-the-power-of-sector-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_sector-utma-graph-dgro_vym_ftec_fhlc-mpw.jpg</image:loc><image:title>2024-02-03_sector-utma-graph-dgro_vym_ftec_fhlc-mpw</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_sector-utma-graph-dgro_vym_ftec_fhlc.jpg</image:loc><image:title>2024-02-03_sector-utma-graph-dgro_vym_ftec_fhlc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_fhlc-topten-sa.jpg</image:loc><image:title>2024-02-03_fhlc-topten-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_fhlc-1.jpg</image:loc><image:title>2024-02-03_fhlc-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_ftec-topten-sa.jpg</image:loc><image:title>2024-02-03_ftec-topten-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_fhlc.jpg</image:loc><image:title>2024-02-03_fhlc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_utma-returns.jpg</image:loc><image:title>2024-02-03_utma-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-03_sector-utma-cover.jpg</image:loc><image:title>2024-02-03_SECTOR-UTMA-COVER</image:title><image:caption>Investing in Sector ETFs - Reviewing the UTMA Holdings</image:caption></image:image><lastmod>2024-02-03T16:28:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/02/waste-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-02-waste-proverbs23_9.jpg</image:loc><image:title>2024-02-02-waste-proverbs23_9</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-02-waste-fmf-cover.jpg</image:loc><image:title>2024-02-02 WASTE-FMF-COVER</image:title><image:caption>Five-Minute Friday: Wasting WORDS and TIME</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_powell-words.jpg</image:loc><image:title>2024-02-01_powell-words</image:title></image:image><lastmod>2024-02-12T16:39:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/02/01/dividend-cut-opportunity-or-disaster/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-seekingalpha-dividendsgraph.jpg</image:loc><image:title>2024-02-01_nycb-seekingalpha-dividendsgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-seekingalpha-5dayreturns.jpg</image:loc><image:title>2024-02-01_nycb-seekingalpha-5dayreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-seekingalpha-1yearreturns.jpg</image:loc><image:title>2024-02-01_nycb-seekingalpha-1yearreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-stockrover-dividends-totalreturns.jpg</image:loc><image:title>2024-02-01_nycb-stockrover-dividends-totalreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-weissratings-c.jpg</image:loc><image:title>2024-02-01_nycb-weissratings-c</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/02/2024-02-01_nycb-cover.jpg</image:loc><image:title>2024-02-01_NYCB-COVER</image:title><image:caption>What should investors who like Easy Income do about NYCB?</image:caption></image:image><lastmod>2024-02-01T16:38:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/30/option-trade-for-less-than-two-thousand-dollars/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-wentabove-17-email.jpg</image:loc><image:title>2024-01-30_pltr-wentabove-17-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-email-filled.jpg</image:loc><image:title>2024-01-30_pltr-email-filled</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-09-ess-earningsdate.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-09-ess-earningsdate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-08-done.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-08-done</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-07-probability.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-07-probability</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-06-cancelreplaceorder.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-06-cancelreplaceorder</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-05-changeofferprice.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-05-changeofferprice</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-04-tradepreview.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-04-tradepreview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-03-3options.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-03-3options</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-30_pltr-atp-buycall-screen-02-probability.jpg</image:loc><image:title>2024-01-30_pltr-atp-buycall-screen-02-probability</image:title></image:image><lastmod>2024-01-30T15:55:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/29/ibm-is-moving-up-into-my-top-ten/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-29_dividendgrowthinvesting-toc.jpg</image:loc><image:title>2024-01-29_dividendgrowthinvesting-toc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-29_dividendgrowthinvesting-cover.jpg</image:loc><image:title>2024-01-29_dividendgrowthinvesting-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-29_ibm-quant-rating-history.jpg</image:loc><image:title>2024-01-29_ibm-quant-rating-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_ibm-sa-1-year-return.jpg</image:loc><image:title>2024-01-27_ibm-sa-1-year-return</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_ibm-sa-6-month-return.jpg</image:loc><image:title>2024-01-27_ibm-sa-6-month-return</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_ibm-sa-1-month-return.jpg</image:loc><image:title>2024-01-27_ibm-sa-1-month-return</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_ibm-sa-5-day-return.jpg</image:loc><image:title>2024-01-27_ibm-sa-5-day-return</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-29_ibm-cover.jpg</image:loc><image:title>2024-01-29_IBM-COVER</image:title><image:caption>IBM is not a Hardware company. It is an Easy Income investment.</image:caption></image:image><lastmod>2024-01-29T12:43:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/27/some-insurance-in-our-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_mfc-sa-dividendscorecard.jpg</image:loc><image:title>2024-01-27_mfc-sa-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_mfc-sa-summary-ratings.jpg</image:loc><image:title>2024-01-27_mfc-sa-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_top-20-investments.jpg</image:loc><image:title>2024-01-27_top-20-investments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_stockanalysis-fidelity-sectors.jpg</image:loc><image:title>2024-01-27_stockanalysis-fidelity-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_mfc-sa-eps-graph.jpg</image:loc><image:title>2024-01-27_mfc-sa-eps-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_mfc-stockrover-dividend-graph.jpg</image:loc><image:title>2024-01-27_mfc-stockrover-dividend-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-27_mfc-cover.jpg</image:loc><image:title>2024-01-27_MFC-COVER</image:title><image:caption>Easy Income is best when it grows. MFC is easy to miss and pigeon-hole.</image:caption></image:image><lastmod>2024-01-27T15:28:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/26/far-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-26_fmf-notetoself-part2.jpg</image:loc><image:title>2024-01-26_fmf-notetoself-part2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-26_fmf-notetoself-part3.jpg</image:loc><image:title>2024-01-26_fmf-notetoself-part3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-26_fmf-notetoself-part1.jpg</image:loc><image:title>2024-01-26_fmf-notetoself-part1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-26_fmf-notetoself-cover.jpg</image:loc><image:title>2024-01-26_fmf-notetoself-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-26_fmf-cover.jpg</image:loc><image:title>2024-01-26_FMF-COVER</image:title><image:caption>Five-Minute Friday FAR and Note to Self by Joe Thorn and Sam Storms</image:caption></image:image><lastmod>2024-01-27T11:13:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/21/never-doubt-god-uses-you-remembering-keith-martin/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/1976-keithmartincard.jpg</image:loc><image:title>1976-keithmartincard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/1961-august-christening-rowboat-dinkey.jpg</image:loc><image:title>1961-august-christening-rowboat-dinkey</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/moms-bible-grandparents-closeup.jpg</image:loc><image:title>moms-bible-grandparents-closeup</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/moms-bible-grandparents.jpg</image:loc><image:title>moms-bible-grandparents</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/moms-bible-family-registry-marriage-nossnumber.jpg</image:loc><image:title>moms-bible-family-registry-marriage-nossnumber</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/1960-bible-keithmartin.jpg</image:loc><image:title>1960 Bible-KeithMartin</image:title><image:caption>The reminders in an old Bible. They remind me of my Sunday School teacher Keith Martin.</image:caption></image:image><lastmod>2024-01-21T13:16:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/19/say-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-19_say-cover.jpg</image:loc><image:title>2024-01-19_Say-COVER</image:title><image:caption>Five-Minute Friday. Just sayin' it doesn't make it true.</image:caption></image:image><lastmod>2024-01-24T14:56:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/16/setting-up-retirement-accounts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-16_retirementplancontributions-2023-2024.jpg</image:loc><image:title>2024-01-16_retirementplancontributions-2023-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-16_roth-growth-illustrated.jpg</image:loc><image:title>2024-01-16_roth-growth-illustrated</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-16-tax-quickcalculation-2023.jpg</image:loc><image:title>2024-01-16-tax-quickcalculation-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-16-settingup-cover.jpg</image:loc><image:title>2024-01-16 SettingUp-COVER</image:title><image:caption>Setting Up Accounts for Retirement</image:caption></image:image><lastmod>2024-01-16T11:58:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/15/investing-tunnel-vision-and-stag-industrial/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_stag-seekingalphadividends.jpg</image:loc><image:title>2024-01-15_stag-seekingalphadividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_stag-seekingalphasummary.jpg</image:loc><image:title>2024-01-15_stag-seekingalphasummary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_stag-wisconsinproperties.jpg</image:loc><image:title>2024-01-15_stag-wisconsinproperties</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_stag-cover.jpg</image:loc><image:title>2024-01-15_stag-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_amd-pricechart.jpg</image:loc><image:title>2024-01-15_amd-pricechart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_tunnelvision-cover.jpg</image:loc><image:title>2024-01-15_TunnelVision-COVER</image:title><image:caption>Do you practice tunnel vision investing?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-15_stag-dividends.jpg</image:loc><image:title>2024-01-15_stag-dividends</image:title></image:image><lastmod>2024-01-15T13:51:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/12/pattern-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-12_fmf-pattern-cover.jpg</image:loc><image:title>2024-01-12_FMF-Pattern-COVER</image:title><image:caption>Five-Minute Friday: PATTERN</image:caption></image:image><lastmod>2024-01-12T17:51:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/12/top-ten-investments-update-january-2024/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-12_topsectors.jpg</image:loc><image:title>2024-01-12_topsectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-12_top-ten-positions-seekingalpha.jpg</image:loc><image:title>2024-01-12_top-ten-positions-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-12_top-ten-positions-jan-2024.jpg</image:loc><image:title>2024-01-12_top-ten-positions-jan-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-12_top-ten-positions-cover.jpg</image:loc><image:title>2024-01-12_TOP-TEN-POSITIONS-COVER</image:title><image:caption>Top Ten Investments January 2024</image:caption></image:image><lastmod>2024-01-12T12:09:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/09/dividend-growth-additions-bmy-and-vz/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_vz-stockrover-scores.jpg</image:loc><image:title>2024-01-09_vz-stockrover-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_bmy-stockrover-scores.jpg</image:loc><image:title>2024-01-09_bmy-stockrover-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_vz-stockroverwarnings.jpg</image:loc><image:title>2024-01-09_vz-stockroverwarnings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_vz-stockrover-dividendgraph.jpg</image:loc><image:title>2024-01-09_vz-stockrover-dividendgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_bmy-stockrover-dividendgraph.jpg</image:loc><image:title>2024-01-09_bmy-stockrover-dividendgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_vz-dividendscorecard.jpg</image:loc><image:title>2024-01-09_vz-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_bmy-dividendscorecard.jpg</image:loc><image:title>2024-01-09_bmy-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-09_bmy-vz-cover.jpg</image:loc><image:title>2024-01-09_BMY-VZ-Cover</image:title><image:caption>Easy Income Strategy - Two New Investments in VZ and BMY</image:caption></image:image><lastmod>2024-01-09T13:36:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/06/2024-goals-2-3-giving-and-dividend-growth/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-06-2024-planning-givingdividends-cover.jpg</image:loc><image:title>2024-01-06 2024 Planning-GivingDividends-COVER</image:title><image:caption>2024 Giving and Dividend Growth Goals</image:caption></image:image><lastmod>2024-01-06T18:16:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/05/2023-goal-number-3-report-card-giving/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-05_2023-irs-form-1040.jpg</image:loc><image:title>2024-01-05_2023-irs-form-1040</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-05_2023-charitablegiving-goal-3-cover.jpg</image:loc><image:title>2024-01-05_2023-CharitableGiving-Goal-3-COVER</image:title><image:caption>2023 Goal was related to charitable giving.</image:caption></image:image><lastmod>2024-01-05T16:24:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/03/my-favorite-investments-are-not-on-wall-street/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2023-12-31-slide2.jpg</image:loc><image:title>2023-12-31-slide2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2023-12-31-slide3.jpg</image:loc><image:title>2023-12-31-slide3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2023-12-31-slide1.jpg</image:loc><image:title>2023-12-31-Slide1</image:title><image:caption>Glory Be to God - Christmas Carol Theology</image:caption></image:image><lastmod>2024-01-03T16:59:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2024/01/02/2023-goal-number-2-report-card/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-02_dividendhistory-2011-2023-graph.jpg</image:loc><image:title>2024-01-02_dividendhistory-2011-2023-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-02-2023-goal-number-02-details.jpg</image:loc><image:title>2024-01-02-2023-goal-number-02-details</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-02-2023-goals-number-02-cover.jpg</image:loc><image:title>2024-01-02 2023-Goals-Number-02-COVER</image:title><image:caption>2023 Dividend Growth Goal - How Did I Do?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2024/01/2024-01-02_dividendhistory-2011-2023-chart.jpg</image:loc><image:title>2024-01-02_dividendhistory-2011-2023-chart</image:title></image:image><lastmod>2024-01-02T13:39:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/31/walking-in-truth-prosperity/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-31_itiswellwithmysoul-02.jpg</image:loc><image:title>2023-12-31_itiswellwithmysoul-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-31_itiswellwithmysoul-01.jpg</image:loc><image:title>2023-12-31_itiswellwithmysoul-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-31_bodysoulmindspirit.jpg</image:loc><image:title>2023-12-31_bodysoulmindspirit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-31_truth-cover.jpg</image:loc><image:title>2023-12-31_Truth-COVER</image:title><image:caption>Evaluating 2023 and Thinking About 2024</image:caption></image:image><lastmod>2023-12-31T13:33:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/22/retirement-in-a-recession-or-bear-market/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-22_aaii-article-page7-nov2023.jpg</image:loc><image:title>2023-12-22_aaii-article-page7-nov2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-22_aaii-cover-nov2023.jpg</image:loc><image:title>2023-12-22_aaii-cover-nov2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-22_retirerecession-cover.jpg</image:loc><image:title>2023-12-22_RetireRecession-COVER</image:title><image:caption>Can I retire in a bear market or during a recession?</image:caption></image:image><lastmod>2023-12-22T15:00:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/19/can-i-retire-in-a-recession/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_pension.jpg</image:loc><image:title>Pension,Word,Written,In,Wooden,Cube</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_retirerecession-cover.jpg</image:loc><image:title>2023-12-19_RetireRecession-COVER</image:title><image:caption>Can I retire in a recession? How do I know?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_budget-2024.jpg</image:loc><image:title>2024,Budget,,Businessman,Selects,File,On,Virtual,Screen,,Annual,Financial</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_budget-ss-anuity-pension.jpg</image:loc><image:title>2023-12-19_budget-ss-anuity-pension</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_annuity.jpg</image:loc><image:title>Businessman,Holding,A,Tablet,Pc,With,"annuity",Text,On,Virtual</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-19_annuity-estimator-schwab.jpg</image:loc><image:title>2023-12-19_annuity-estimator-schwab</image:title></image:image><lastmod>2023-12-18T22:22:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/18/vym-is-number-one-in-our-top-ten/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-16_vym-eis-cover.jpg</image:loc><image:title>2023-12-16_VYM-EIS-COVER</image:title><image:caption>Why VYM is still our number one investment.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-16_vym-seekingalpha-dividendscorecard.jpg</image:loc><image:title>2023-12-16_vym-seekingalpha-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-18_vym-seekingalpha-analyst-ratings.jpg</image:loc><image:title>2023-12-18_vym-seekingalpha-analyst-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-16_vym-stockrover-dividends-returns.jpg</image:loc><image:title>2023-12-16_vym-stockrover-dividends-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-16_vym-2021-2023-dividendgrowth.jpg</image:loc><image:title>2023-12-16_vym-2021-2023-dividendgrowth</image:title></image:image><lastmod>2023-12-18T08:47:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/14/pfizers-shares-dropped-and-i-added-900-shares/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-14_pfe-cover.jpg</image:loc><image:title>2023-12-14_PFE-COVER</image:title><image:caption>Pfizer share price dropped eight percent yesterday and then recovered a bit.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_pfe-buy-500-shares-ira.jpg</image:loc><image:title>2023-12-13_pfe-buy-500-shares-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_pfe-buy-400-shares-roth.jpg</image:loc><image:title>2023-12-13_pfe-buy-400-shares-roth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-14_pfe-stockrover-insights.jpg</image:loc><image:title>2023-12-14_pfe-stockrover-insights</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_pfe-seekingalpha.jpg</image:loc><image:title>2023-12-13_pfe-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_pfe-stockrover-dividends-2007-2023.jpg</image:loc><image:title>2023-12-13_pfe-stockrover-dividends-2007-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_pfe-activetraderproshares.jpg</image:loc><image:title>2023-12-13_pfe-activetraderproshares</image:title></image:image><lastmod>2023-12-14T14:32:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/13/buying-cds/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_cds-cover.jpg</image:loc><image:title>2023-12-13_CDs-COVER</image:title><image:caption>Buying CDs - A Review and Some Suggestions</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_3-month-cds.jpg</image:loc><image:title>2023-12-13_3-month-cds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_cd-choices.jpg</image:loc><image:title>2023-12-13_cd-choices</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-13_cd-values.jpg</image:loc><image:title>2023-12-13_cd-values</image:title></image:image><lastmod>2023-12-13T13:58:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/12/reducing-taxes-and-increasing-charitable-giving/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-12_qcd-scenarios-fidelity.jpg</image:loc><image:title>2023-12-12_qcd-scenarios-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-12_qcd-checks-wlw-ira.jpg</image:loc><image:title>2023-12-12_qcd-checks-wlw-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-12_qcd-coverletter.jpg</image:loc><image:title>2023-12-12_qcd-coverletter</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-12_qcd-charity-cover.jpg</image:loc><image:title>2023-12-12_QCD-Charity-COVER</image:title><image:caption>Reducing Taxeds and Increasing Charitable Giving using QCDs</image:caption></image:image><lastmod>2023-12-12T12:38:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/10/robinhood-and-blog-images/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-10_robinhood-screen-03.jpg</image:loc><image:title>2023-12-10_robinhood-screen-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-10_robinhood-screen-02.jpg</image:loc><image:title>2023-12-10_robinhood-screen-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-10_robinhood-screen-01.jpg</image:loc><image:title>2023-12-10_robinhood-screen-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-10_robinhood-statement.jpg</image:loc><image:title>2023-12-10_robinhood-statement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-10_robinhood-cover.jpg</image:loc><image:title>2023-12-10_RobinHood-COVER</image:title><image:caption>Robinhood Evaluation and My Blog Images</image:caption></image:image><lastmod>2023-12-10T13:28:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/11/broadcoms-14-percent-dividend-increase/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-page-14-growingdividend.jpg</image:loc><image:title>2023-12-11_avgo-page-14-growingdividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-page-10-industrialautomation.jpg</image:loc><image:title>2023-12-11_avgo-page-10-industrialautomation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-page-9-wirelessconnectivity.jpg</image:loc><image:title>2023-12-11_avgo-page-9-wirelessconnectivity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-page-6-networking.jpg</image:loc><image:title>2023-12-11_avgo-page-6-networking</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-page-3-broadcomataglance.jpg</image:loc><image:title>2023-12-11_avgo-page-3-broadcomataglance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-dividends-stockrover.jpg</image:loc><image:title>2023-12-11_avgo-dividends-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-dividends-seekingalpha.jpg</image:loc><image:title>2023-12-11_avgo-dividends-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-dividends-fidelity.jpg</image:loc><image:title>2023-12-11_avgo-dividends-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_avgo-dividendincreased.jpg</image:loc><image:title>2023-12-07_avgo-dividendincreased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-11_avgo-dividends-cover.jpg</image:loc><image:title>2023-12-11_AVGO-Dividends-COVER</image:title><image:caption>Broadcom's 14% Dividend Increase is Sweet for Easy Income</image:caption></image:image><lastmod>2023-12-09T22:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/08/turn-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/turn-turn-turn.jpg</image:loc><image:title>turn-turn-turn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-08-turn-cover.jpg</image:loc><image:title>2023-12-08 Turn-COVER</image:title><image:caption>TURN Five-Minute Friday - Turn, Turn, Turn - Turn to Jesus</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-08-turn-katy-nichole-turn-to-jesus.jpg</image:loc><image:title>2023-12-08-turn-katy-nichole-turn-to-jesus</image:title></image:image><lastmod>2023-12-10T13:06:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/07/aim-for-a-retirement-goal-for-income-2m/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_retirementbalances-inflationadjusted.jpg</image:loc><image:title>2023-12-07_retirementbalances-inflationadjusted</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_valueof1hundreddollars-bystate.jpg</image:loc><image:title>2023-12-07_valueof1hundreddollars-bystate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_meanincome-avgmorent-bystate.jpg</image:loc><image:title>2023-12-07_meanincome-avgmorent-bystate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_aimhigh-cover.jpg</image:loc><image:title>2023-12-07_AimHigh-COVER</image:title><image:caption>What is Your Aim for your Retirement Account? Is it $2,000,000?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_costoflivingbystate.jpg</image:loc><image:title>2023-12-07_costoflivingbystate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_topten-tira-investments-dividends.jpg</image:loc><image:title>2023-12-07_topten-tira-investments-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-07_topten-tira-investments-value.jpg</image:loc><image:title>2023-12-07_topten-tira-investments-value</image:title></image:image><lastmod>2023-12-07T13:34:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/05/how-and-why-i-read-my-monthly-80-page-fidelity-statement/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-05_readingfidelitystatement-page4-checking.jpg</image:loc><image:title>2023-12-05_readingfidelitystatement-page4-checking</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-05_readingfidelitystatement-page3-tira.jpg</image:loc><image:title>2023-12-05_readingfidelitystatement-page3-tira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-05_readingfidelitystatement-page2-roth.jpg</image:loc><image:title>2023-12-05_readingfidelitystatement-page2-roth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-05_readingfidelitystatement-page1-income-topholdings.jpg</image:loc><image:title>2023-12-05_readingfidelitystatement-page1-income-topholdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-11-05_statementreview-2023-2024.jpg</image:loc><image:title>2023-11-05_statementreview-2023-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-11-05_statementreview-2023-2024-stack.jpg</image:loc><image:title>2023-11-05_StatementReview-2023-2024-Stack</image:title><image:caption>How and Why I read my monthly Fidelity Investments statement.</image:caption></image:image><lastmod>2025-01-17T20:16:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/04/balance-to-rebalance-or-not-or-what/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-04_assetallocation-9accounts.jpg</image:loc><image:title>2023-12-04_assetallocation-9accounts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-04_dividendhistory-growth-2011-2022.jpg</image:loc><image:title>2023-12-04_dividendhistory-growth-2011-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-04_avgo-300-shares-options.jpg</image:loc><image:title>2023-12-04_avgo-300-shares-options</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-04_portfolio-returns-10-years.jpg</image:loc><image:title>2023-12-04_portfolio-returns-10-years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-04_balance-cover.jpg</image:loc><image:title>2023-12-04_Balance-COVER</image:title><image:caption>Rebalancing Investments: Yes, No, or What? Five Practices for Success that do not include rebalancing.</image:caption></image:image><lastmod>2023-12-06T19:04:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/02/loving-abbv-for-many-reasons/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-02_abbv-stockrover-cover.jpg</image:loc><image:title>2023-12-02_ABBV-StockRover-COVER</image:title><image:caption>ABBV can be easily evaluated as a dividend growth investments with StockRover.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-02_stockrover-subscription.jpg</image:loc><image:title>2023-12-02_stockrover-subscription</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-02_stockrover-subscription-renewed.jpg</image:loc><image:title>2023-12-02_stockrover-subscription-renewed</image:title></image:image><lastmod>2023-12-02T15:38:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/12/02/left-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-01-fmf-monk.jpg</image:loc><image:title>2023-12-01-fmf-monk</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/12/2023-12-01-left-cover.jpg</image:loc><image:title>2023-12-01 LEFT-COVER</image:title><image:caption>LEFT: Five-Minute Friday and the Book of Jonah</image:caption></image:image><lastmod>2023-12-10T14:41:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/30/facebook-memories-from-mainframe-history/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/ibm-360-cpu-keyboardprinter.jpg</image:loc><image:title>ibm-360-cpu-keyboardprinter</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/bankvault.jpg</image:loc><image:title>bankvault</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/mainframetapedrives-3480.jpg</image:loc><image:title>MainFrameTapeDrives-3480</image:title><image:caption>This is just a small portion of one mainframe computer room with IBM tape drives.</image:caption></image:image><lastmod>2023-12-01T00:10:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/30/balance-is-a-good-thing-sometimes/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-30_balancingto-60-40.jpg</image:loc><image:title>2023-11-30_balancingto-60-40</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-30_rebalancingfoolishness-vanguard.jpg</image:loc><image:title>2023-11-30_rebalancingfoolishness-vanguard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-30_balancingtheearparts.jpg</image:loc><image:title>2023-11-30_balancingtheearparts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-30-rebalance-cover.jpg</image:loc><image:title>2023-11-30 Rebalance-COVER</image:title><image:caption>Balance and Rebalance - is it a good idea for investors?</image:caption></image:image><lastmod>2023-11-30T16:24:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/27/income-taxes-saving-more-the-qcd-and-rmd-way/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-27-tax-relief-qcd_rmd.jpg</image:loc><image:title>2023-11-27-tax-relief-qcd_rmd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-27-tithe.jpg</image:loc><image:title>2023-11-27-tithe</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-27_charitablegiving-goal-3-cover.jpg</image:loc><image:title>2023-11-27_charitablegiving-goal-3-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-27-toptencharities-cover.jpg</image:loc><image:title>2023-11-27 TopTenCharities-COVER</image:title><image:caption>Income Taxes - Saving More and Giving More the QCD Way</image:caption></image:image><lastmod>2023-11-27T21:20:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/25/income-taxes-dividends-and-the-roth-conversion-strategy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_all-accounts-dividend-history.jpg</image:loc><image:title>2023-11-25_all-accounts-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_checking-income-history-taxable.jpg</image:loc><image:title>2023-11-25_checking-income-history-taxable</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_clw_roth-ira-dividend-history-tax-free.jpg</image:loc><image:title>2023-11-25_clw_roth-ira-dividend-history-tax-free</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_wlw_roth-ira-dividend-history-tax-free.jpg</image:loc><image:title>2023-11-25_wlw_roth-ira-dividend-history-tax-free</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_wlw_ira-dividend-history-taxable.jpg</image:loc><image:title>2023-11-25_wlw_ira-dividend-history-taxable</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_biggestrothconversionmistake.jpg</image:loc><image:title>2023-11-25_biggestrothconversionmistake</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_all-accounts-dividend-taxation.jpg</image:loc><image:title>2023-11-25_all-accounts-dividend-taxation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_roth-conversion-cover-1040.jpg</image:loc><image:title>2023-11-25_roth-conversion-cover-1040</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-25_roth-conversion-cover.jpg</image:loc><image:title>2023-11-25_ROTH-Conversion-COVER</image:title><image:caption>Income Taxes: Dividends and the ROTH Conversion Strategy</image:caption></image:image><lastmod>2023-11-26T21:59:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2017/03/13/first-blog-post/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2017/03/2023-11-24-wayne-cindie-with-grandkids-cropped.jpg</image:loc><image:title>2023-11-24 Wayne-Cindie-with-Grandkids-Cropped</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2017/03/2017-03-13_blogpost-01.png</image:loc><image:title>2017-03-13_BlogPost-01</image:title></image:image><lastmod>2023-11-25T16:18:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/24/taxes-reevaluating-my-roth-conversion-strategy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_abbv-dividends.jpg</image:loc><image:title>2023-11-24_abbv-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_hightaxes-cover.jpg</image:loc><image:title>2023-11-24_HighTaxes-COVER</image:title><image:caption>Taxes: Reevaluating My ROTH Conversion Strategy
High Taxes Gobble Up Income</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_medicarepremiums.jpg</image:loc><image:title>2023-11-24_medicarepremiums</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_payingthepiper-craigwear.jpg</image:loc><image:title>2023-11-24_payingthepiper-craigwear</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_roth-conversion-secrets-craigwear.jpg</image:loc><image:title>2023-11-24_roth-conversion-secrets-craigwear</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_schwab-seeyourfuturermd.jpg</image:loc><image:title>2023-11-24_schwab-seeyourfuturermd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-24_schwab-calculateyourrmd.jpg</image:loc><image:title>2023-11-24_schwab-calculateyourrmd</image:title></image:image><lastmod>2023-11-24T16:43:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/17/eis-review-of-current-bdc-holdings/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bdcs-by-income-graph.jpg</image:loc><image:title>2023-11-17_bdcs-by-income-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bdcs-cover.jpg</image:loc><image:title>2023-11-17_BDCs-COVER</image:title><image:caption>Easy Income Strategy - Review of our current BDC investments</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2011-2022-dividendgrowthhistory-retirementaccounts.jpg</image:loc><image:title>2011-2022-dividendgrowthhistory-retirementaccounts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bdcs-by-sa-quant-score.jpg</image:loc><image:title>2023-11-17_bdcs-by-sa-quant-score</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bdcs-by-sa-dividends.jpg</image:loc><image:title>2023-11-17_bdcs-by-sa-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bdcs-by-sa-returns.jpg</image:loc><image:title>2023-11-17_bdcs-by-sa-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-17_bad-bdcs.jpg</image:loc><image:title>2023-11-17_bad-bdcs</image:title></image:image><lastmod>2023-11-17T13:02:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/14/yesterdays-buy-was-energy-company-eog/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-14_eog-sa-dividend-special.jpg</image:loc><image:title>2023-11-14_eog-sa-dividend-special</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-14_eog-sa-dividendsummary-etc.jpg</image:loc><image:title>2023-11-14_eog-sa-dividendsummary-etc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-14_eog-cover.jpg</image:loc><image:title>2023-11-14_EOG-COVER</image:title><image:caption>Easy Income from EOG Resources, Inc. I like the dividend, the dividend payout ratio, and the dividend growth. </image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-14_eog-b200-roth-traditional-ira.jpg</image:loc><image:title>2023-11-14_eog-b200-roth-traditional-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-14_eog-sa-summary.jpg</image:loc><image:title>2023-11-14_eog-sa-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_barronsspecialdividends-eog.jpg</image:loc><image:title>2023-11-13_barronsspecialdividends-eog</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_barronsdividendincreases-obdc_emr_eog_fnf_hpq.jpg</image:loc><image:title>2023-11-13_barronsdividendincreases-obdc_emr_eog_fnf_hpq</image:title></image:image><lastmod>2023-11-14T13:36:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/13/owning-up-to-mistakes/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_positionssold-targetmissed.jpg</image:loc><image:title>2023-11-13_positionssold-targetmissed</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_mlb-2023-rbi-top10.jpg</image:loc><image:title>2023-11-13_mlb-2023-rbi-top10</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_mlb-2023-homeruns-top10.jpg</image:loc><image:title>2023-11-13_mlb-2023-homeruns-top10</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_mlb-2023-battingaverage-top10.jpg</image:loc><image:title>2023-11-13_mlb-2023-battingaverage-top10</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_positionssold-actualproceeds.jpg</image:loc><image:title>2023-11-10_positionssold-actualproceeds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_positionssold.jpg</image:loc><image:title>2023-11-10_positionssold</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_positionssold-seekingalphaview.jpg</image:loc><image:title>2023-11-10_positionssold-seekingalphaview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-13_positionssuccessrate-cover.jpg</image:loc><image:title>2023-11-13_PositionsSuccessRate-COVER</image:title><image:caption>What is your investment batting average? What is your advisor's average?</image:caption></image:image><lastmod>2023-11-13T18:11:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/11/eis-using-options-for-easy-income/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-11_avgo-seekingalpha.jpg</image:loc><image:title>2023-11-11_avgo-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-11_optionstrade-rollingcalls-cover.jpg</image:loc><image:title>2023-11-11_OptionsTrade-RollingCalls-COVER</image:title><image:caption>Easy Income Strategy includes using Options Trading for weekly income</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_avgo-sellcall-roll.jpg</image:loc><image:title>2023-11-10_avgo-sellcall-roll</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_avgo-buy-call-roll.jpg</image:loc><image:title>2023-11-10_avgo-buy-call-roll</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-11_vym-topten.jpg</image:loc><image:title>2023-11-11_vym-topten</image:title></image:image><lastmod>2023-11-11T15:26:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/10/maintain-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10-romans-lesson-02-sin-2023-11-08.jpg</image:loc><image:title>2023-11-10-romans-lesson-02-sin-2023-11-08</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10-fmf-maintain-cover.jpg</image:loc><image:title>2023-11-10 FMF-MAINTAIN-COVER</image:title><image:caption>To maintain is a positive action. When you fail to maintain something, it is likely going to result in something undesirable.</image:caption></image:image><lastmod>2023-11-11T17:29:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/10/eis-blue-owl-capital-flying-higher/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_obdc_nii-announcement.jpg</image:loc><image:title>2023-11-10_obdc_nii-announcement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_obdc_dividends-announcement.jpg</image:loc><image:title>2023-11-10_obdc_dividends-announcement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_obdc_o_ccap_mfc-dividendsannounced.jpg</image:loc><image:title>2023-11-10_obdc_o_ccap_mfc-dividendsannounced</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-10_blueowl-cover.jpg</image:loc><image:title>2023-11-10_BlueOwl-COVER</image:title><image:caption>Blue Owl Capital (OBDC) is a leading Business Development Company (BDC) that pays a great dividend</image:caption></image:image><lastmod>2023-11-09T21:54:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/09/eis-a-marathon-without-ankle-weights/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_holdings-dividends.jpg</image:loc><image:title>2023-11-09_holdings-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_fnf_hpq_cgbd-sa-dividendmetrics.jpg</image:loc><image:title>2023-11-09_fnf_hpq_cgbd-sa-dividendmetrics</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_fnf_hpq_cgbd-sa-ratings-ranks.jpg</image:loc><image:title>2023-11-09_fnf_hpq_cgbd-sa-ratings-ranks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_hpq-dividend-increased.jpg</image:loc><image:title>2023-11-09_hpq-dividend-increased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_cgbd-dividendannounced-supplementaldividend.jpg</image:loc><image:title>2023-11-09_cgbd-dividendannounced-supplementaldividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_fnf-dividend-increased.jpg</image:loc><image:title>2023-11-09_fnf-dividend-increased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-09_fnf_hpq_cgbd-cover.jpg</image:loc><image:title>2023-11-09_FNF_HPQ_CGBD-COVER</image:title><image:caption>Easy Income Strategy and Racking Up More Dividends</image:caption></image:image><lastmod>2023-11-09T11:40:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/07/easy-income-strategy-electrifying-dividend-history/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-q4-earningsnews.jpg</image:loc><image:title>2023-11-07_emr-q4-earningsnews</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-atp-ess-dividends.jpg</image:loc><image:title>2023-11-07_emr-atp-ess-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-seekingalpha-earnings.jpg</image:loc><image:title>2023-11-07_emr-seekingalpha-earnings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-stockrover-dividends.jpg</image:loc><image:title>2023-11-07_emr-stockrover-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-seekingalphasummary-rankings.jpg</image:loc><image:title>2023-11-07_emr-seekingalphasummary-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-email-bought100shares.jpg</image:loc><image:title>2023-11-07_emr-email-bought100shares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-email-pricefell-8percent.jpg</image:loc><image:title>2023-11-07_emr-email-pricefell-8percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-easyincome-cover.jpg</image:loc><image:title>2023-11-07_EMR-EasyIncome-COVER</image:title><image:caption>Emerson Electric is a BUY in my opinion</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-07_emr-innovation-dividendincreasehistory.jpg</image:loc><image:title>2023-11-07_emr-innovation-dividendincreasehistory</image:title></image:image><lastmod>2023-11-07T16:36:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/06/easy-income-strategy-sailing-rough-seas/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-06_dividendannouncements-cover.jpg</image:loc><image:title>2023-11-06_dividendannouncements-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-06_dividendannouncements-02.jpg</image:loc><image:title>2023-11-06_dividendannouncements-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-06_dividendannouncements-01.jpg</image:loc><image:title>2023-11-06_dividendannouncements-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-06_1971-navybootcamp-co939-graduation.jpg</image:loc><image:title>2023-11-06_1971 NavyBootCamp-Co939-Graduation</image:title><image:caption>Easy Income Strategy - Here Comes the Mail. US Naval Training Center, Great Lakes, IL 1971 Company 939</image:caption></image:image><lastmod>2023-12-31T15:19:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/04/season-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03-zinnia-pulled.jpg</image:loc><image:title>2023-11-03-zinnia-pulled</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-04-zinnia-alive.jpg</image:loc><image:title>2023-11-04-zinnia-alive</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-04-cashflow.jpg</image:loc><image:title>Cash,Flow,For,2023,,Businessman,Selects,Financial,Report,On,Virtual</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-04-football.jpg</image:loc><image:title>Close,Up,Of,Carrot,Chips,-,Football,Season,Party,Vegetarian</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-04-baseball.jpg</image:loc><image:title>Baseball,Equipment,And,Gear.,Ball,Laying,In,A,Catcher,Glove,</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03-season-fmf-ambulance-cover.jpg</image:loc><image:title>2023-11-03 SEASON-FMF-Ambulance-COVER</image:title><image:caption>Five-Minute Friday - SEASON</image:caption></image:image><lastmod>2023-11-08T19:01:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/03/easy-income-strategy-eog-energizes-my-income/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-seekingalpha-dividend-increased.jpg</image:loc><image:title>2023-11-03_eog-seekingalpha-dividend-increased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-seekingalpha-dividend-scorecard.jpg</image:loc><image:title>2023-11-03_eog-seekingalpha-dividend-scorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-stockrover-dividends.jpg</image:loc><image:title>2023-11-03_eog-stockrover-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-coveredcalloptionstrades-activity.jpg</image:loc><image:title>2023-11-03_eog-coveredcalloptionstrades-activity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-sharepurchases-dividendsrecd-activity.jpg</image:loc><image:title>2023-11-03_eog-sharepurchases-dividendsrecd-activity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-03_eog-easyincomestrategy-cover.jpg</image:loc><image:title>2023-11-03_EOG-EasyIncomeStrategy-COVER</image:title><image:caption>Easy Income Strategy - eog resources</image:caption></image:image><lastmod>2023-11-03T01:55:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/11/02/easy-income-strategy-cswc-and-main/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_cswc-seekingalpha-dividendincrease-supplemental2.jpg</image:loc><image:title>2023-11-02_cswc-seekingalpha-dividendincrease-supplemental2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_cswc-seekingalpha-dividendincrease-supplemental.jpg</image:loc><image:title>2023-11-02_cswc-seekingalpha-dividendincrease-supplemental</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_main-seekingalpha-dividendincrease-supplemental.jpg</image:loc><image:title>2023-11-02_main-seekingalpha-dividendincrease-supplemental</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02-easymoney-cswc-main-cover.jpg</image:loc><image:title>2023-11-02 EasyMoney-CSWC-MAIN-COVER</image:title><image:caption>EASY INCOME STRATEGY: More income from CSWC and MAIN</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_main-stockrover-dividendhistory.jpg</image:loc><image:title>2023-11-02_main-stockrover-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_cswc-stockrover-dividendhistory.jpg</image:loc><image:title>2023-11-02_cswc-stockrover-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/11/2023-11-02_puts-lthm_nvts.jpg</image:loc><image:title>2023-11-02_puts-lthm_nvts</image:title></image:image><lastmod>2023-11-02T12:20:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/28/strive-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-28_fmf-strive-pharo-01.jpg</image:loc><image:title>2023-10-28_fmf-strive-pharo-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-28_fmf-strive-pharo-02.jpg</image:loc><image:title>2023-10-28_fmf-strive-pharo-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-28_fmf-strive-cover.jpg</image:loc><image:title>2023-10-28_FMF-STRIVE-COVER</image:title><image:caption>Five-Minute Friday: STRIVE</image:caption></image:image><lastmod>2023-11-06T22:25:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/27/easy-income-strategy-waynes-roth-ira-and-abbv/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-atp-taxfreeincome.jpg</image:loc><image:title>2023-10-27_abbv-atp-taxfreeincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-sa-dividend-history.jpg</image:loc><image:title>2023-10-27_abbv-sa-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-sa-summary.jpg</image:loc><image:title>2023-10-27_abbv-sa-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-sa-dividend-summarypage.jpg</image:loc><image:title>2023-10-27_abbv-sa-dividend-summarypage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-sa-dividend-increase-announced.jpg</image:loc><image:title>2023-10-27_abbv-sa-dividend-increase-announced</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-27_abbv-easyincome-cover.jpg</image:loc><image:title>2023-10-27_ABBV-EasyIncome-COVER</image:title><image:caption>Easy Income Strategy - ABBV Increased the dividend 4.7%</image:caption></image:image><lastmod>2023-10-27T15:25:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/24/capital-gain-for-gain-fuels-special-dividend-gain/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-totalspecialdividend.jpg</image:loc><image:title>2023-10-24_gain-totalspecialdividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-sa-dividendhistory-2023.jpg</image:loc><image:title>2023-10-24_gain-sa-dividendhistory-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-sa-summary.jpg</image:loc><image:title>2023-10-24_gain-sa-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-stockrover-dividends-2007-2023.jpg</image:loc><image:title>2023-10-24_gain-stockrover-dividends-2007-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-sa-capitalgain-sale.jpg</image:loc><image:title>2023-10-24_gain-sa-capitalgain-sale</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-capitalgain-total-special-1dollar.jpg</image:loc><image:title>2023-10-24_gain-capitalgain-total-special-1dollar</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-24_gain-cover.jpg</image:loc><image:title>2023-10-24_GAIN-COVER</image:title><image:caption>GAIN Gladstone Investment sells Counsel Press for a gain.</image:caption></image:image><lastmod>2023-10-24T15:25:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/20/clarify-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-20-fmf-clarify-cover.jpg</image:loc><image:title>2023-10-20 FMF-CLARIFY-COVER</image:title><image:caption>Five-Minute Friday. Do you see the forest or are you a tree person?</image:caption></image:image><lastmod>2023-10-22T20:21:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/19/when-to-take-social-security-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-19_medicare.jpg</image:loc><image:title>Closeup,Medicare,With,Stethoscope,Concept,Inspiration,On,Yellow,Background</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-19_socialsecurity-age-to-take-ss.jpg</image:loc><image:title>2023-10-19_socialsecurity-age-to-take-ss</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-19_socialsecurity-cover.jpg</image:loc><image:title>2023-10-19_SocialSecurity-COVER</image:title><image:caption>When to take Social Security requires some math and some thinking.</image:caption></image:image><lastmod>2023-10-19T20:31:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/18/lopsided-diversification-enemy-enemy-no-9/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-18-dilution.jpg</image:loc><image:title>2023-10-18-dilution</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-18-generic-cans.jpg</image:loc><image:title>2023-10-18-generic-cans</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-18-scrawnychicken.jpg</image:loc><image:title>Cock,Breed,Maran,On,A,Grass,Backgroun</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-18-lopsideddiversification-cover.jpg</image:loc><image:title>2023-10-18 LopsidedDiversification-COVER</image:title><image:caption>The Investor's Enemy Number 9 - Lopsided Diversification</image:caption></image:image><lastmod>2023-10-18T12:56:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/17/your-2024-social-security-cola-inflation-adjustment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_cms-medicaremonthlypremiums.jpg</image:loc><image:title>2023-10-16_cms-medicaremonthlypremiums</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_spreadsheet-socialsecurity-medicare-2024.jpg</image:loc><image:title>2023-10-16_spreadsheet-socialsecurity-medicare-2024</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_epochtimes-ss-inflationreality.jpg</image:loc><image:title>2023-10-16_epochtimes-ss-inflationreality</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_barrons-medicaremonthlypremiumrises.jpg</image:loc><image:title>2023-10-16_barrons-medicaremonthlypremiumrises</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_socialsecurity-benefitincrease3-2percent.jpg</image:loc><image:title>2023-10-16_socialsecurity-benefitincrease3-2percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-16_socialsecurity-medicare-2024-cover.jpg</image:loc><image:title>2023-10-16_SocialSecurity-Medicare-2024-COVER</image:title><image:caption>The cost-of-living adjustment is not what you may think it is.</image:caption></image:image><lastmod>2023-10-17T11:49:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/10/10/clouded-vision-enemy-enemy-no-8/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-10_samplespreadsheet.png</image:loc><image:title>2023-10-10_samplespreadsheet</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-10_seekingalpha-uploadportfolio-csv.png</image:loc><image:title>2023-10-10_seekingalpha-uploadportfolio-csv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-10_seekingalpha-uploadportfolio-csv-step1.png</image:loc><image:title>2023-10-10_seekingalpha-uploadportfolio-csv-step1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-10_sample-csv-file.png</image:loc><image:title>2023-10-10_sample-csv-file</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/10/2023-10-10-cloudedvision-cover.png</image:loc><image:title>2023-10-10 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REIT</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-18_nnn-stockrover-totalreturns.jpg</image:loc><image:title>2023-09-18_nnn-stockrover-totalreturns</image:title></image:image><lastmod>2023-09-18T13:44:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/22/options-trading-a-recipe-book-with-ingredients-part-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21-expiration-date.jpg</image:loc><image:title>2022-12-21-expiration-date</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21-smart-objectives.jpg</image:loc><image:title>2022-12-21-smart-objectives</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21_secret-to-success.jpg</image:loc><image:title>2022-12-21_secret-to-success</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21_sell-or-rent-table-1.jpg</image:loc><image:title>2022-12-21_sell-or-rent-table-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21_sell-or-rent-table.jpg</image:loc><image:title>2022-12-21_sell-or-rent-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/for-rent-sign.jpg</image:loc><image:title>for-rent-sign</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/master-cover-slide-recipe-options-trading-part-3.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-3</image:title><image:caption>Options 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Part 3</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-ingredients-shareprice-date-profit-1.jpg</image:loc><image:title>2022-12-19_avgo-ingredients-shareprice-date-profit-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-21-optionstrading-portfolio-objective.jpg</image:loc><image:title>2022-12-21-optionstrading-portfolio-objective</image:title></image:image><lastmod>2023-09-16T16:13:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/15/small-cap-value-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_fidelity-watchlist-bdcs-12-marketcap.jpg</image:loc><image:title>2023-09-15_fidelity-watchlist-bdcs-12-marketcap</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_fidelity-watchlist-bdcs-12.jpg</image:loc><image:title>2023-09-15_fidelity-watchlist-bdcs-12</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_seekingalpha-watchlist-bdcs-12.jpg</image:loc><image:title>2023-09-15_seekingalpha-watchlist-bdcs-12</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_seekingalpha-watchlist-bdcs-12-quant.jpg</image:loc><image:title>2023-09-15_seekingalpha-watchlist-bdcs-12-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_smallcapvalueholdings-graph-top-ten.jpg</image:loc><image:title>2023-09-15_smallcapvalueholdings-graph-top-ten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-15_smallcapvalueholdings-graph-all.jpg</image:loc><image:title>2023-09-15_smallcapvalueholdings-graph-all</image:title></image:image><lastmod>2023-09-15T13:25:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/14/large-cap-value-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-14_sa-f-stx-pfe-abbv-ibm-totalreturn-dividends.jpg</image:loc><image:title>2023-09-14_sa-f-stx-pfe-abbv-ibm-totalreturn-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-14_sa-f-stx-pfe-abbv-ibm-quant-ratingsrankings.jpg</image:loc><image:title>2023-09-14_sa-f-stx-pfe-abbv-ibm-quant-ratingsrankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-14_largevaluestocksetfs.jpg</image:loc><image:title>2023-09-14_largevaluestocksetfs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-14_stockanalysis-marketcap.jpg</image:loc><image:title>2023-09-14_stockanalysis-marketcap</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-14_largevaluestocksetfs-cover.jpg</image:loc><image:title>2023-09-14_LargeValueStocksETFs-COVER</image:title><image:caption>Large-Cap Value Investments - Top Five by Dollars Invested</image:caption></image:image><lastmod>2023-09-14T12:38:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/13/easy-income-strategy-why-reits/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_fidelityanalysis-real-estate-graph.jpg</image:loc><image:title>2023-09-13_fidelityanalysis-real-estate-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_fidelityanalysis-sectors-graph.jpg</image:loc><image:title>2023-09-13_fidelityanalysis-sectors-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_fidelityanalysis-tool-sectors.jpg</image:loc><image:title>2023-09-13_fidelityanalysis-tool-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_fidelity-analysis-tool-areyouoverweighted.jpg</image:loc><image:title>2023-09-13_fidelity-analysis-tool-areyouoverweighted</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_sa-reits-owned-top5-quant.jpg</image:loc><image:title>2023-09-13_sa-reits-owned-top5-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_sa-reits-owned-top5-dividends.jpg</image:loc><image:title>2023-09-13_sa-reits-owned-top5-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-13_easyincomestrategy-reits-cover.jpg</image:loc><image:title>2023-09-13_EasyIncomeStrategy-REITS-COVER</image:title><image:caption>Easy Income Strategy: Why I invest in Real Estate Investment Trusts (REITs)</image:caption></image:image><lastmod>2023-09-13T12:50:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/12/easy-income-strategy-using-stockrovers-tools/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-sept-2023-income-table.jpg</image:loc><image:title>2023-09-12_stockrover-sept-2023-income-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-monthly-quarterly-annual-income.jpg</image:loc><image:title>2023-09-12_stockrover-monthly-quarterly-annual-income</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-monthly-futureprojected-income-chart.jpg</image:loc><image:title>2023-09-12_stockrover-monthly-futureprojected-income-chart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-import-csv.jpg</image:loc><image:title>2023-09-12_stockrover-import-csv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-import-csv-fromfidelity.jpg</image:loc><image:title>2023-09-12_stockrover-import-csv-fromfidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_fidelity-csv-file.jpg</image:loc><image:title>2023-09-12_fidelity-csv-file</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-12_stockrover-monthly-quarterly-annual-income-cover.jpg</image:loc><image:title>2023-09-12_StockRover-Monthly-Quarterly-Annual-Income-COVER</image:title><image:caption>Easy Income Strategy - Using StockRover to Budget Dividend Income</image:caption></image:image><lastmod>2023-09-12T11:59:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/11/easy-income-strategy-analyze-waynes-roth-ira/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11_wlw-roth-sa-dividend-5yeargrowth.jpg</image:loc><image:title>2023-09-11_wlw-roth-sa-dividend-5yeargrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11_wlw-roth-sa-dividend-yearsofgrowth.jpg</image:loc><image:title>2023-09-11_wlw-roth-sa-dividend-yearsofgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11_wlw-roth-easyincomegrowth-cover.jpg</image:loc><image:title>2023-09-11_WLW-ROTH-EasyIncomeGrowth-COVER</image:title><image:caption>Wayne's ROTH IRA - Easy Income Strategy</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11_schd-holdings-toptenstocks-divgrowth.jpg</image:loc><image:title>2023-09-11_schd-holdings-toptenstocks-divgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11_schd-holdings-sectors.jpg</image:loc><image:title>2023-09-11_schd-holdings-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-11-fidelity-waynerothira.jpg</image:loc><image:title>2023-09-11-fidelity-waynerothira</image:title></image:image><lastmod>2023-09-11T12:12:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/10/rely-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-10_rely-godsamazinglovechangeslifenowandforever.jpg</image:loc><image:title>2023-09-10_rely-godsamazinglovechangeslifenowandforever</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-10_immutable.jpg</image:loc><image:title>2023-09-10_immutable</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-10_rely-because-reliable-cover.jpg</image:loc><image:title>2023-09-10_Rely-Because-Reliable-COVER</image:title><image:caption>Five-Minute Friday. Rely. You can rely in the reliable Creator God.</image:caption></image:image><lastmod>2023-09-12T02:53:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/09/easy-income-strategy-options-trading-worksheet/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-09_2023-goal4-reminder.jpg</image:loc><image:title>2023-09-09_2023-goal4-reminder</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-09_easyincomestrategy-goal4-cover.jpg</image:loc><image:title>2023-09-09_EasyIncomeStrategy-GOAL4-COVER</image:title><image:caption>2023 Goal Number Four Progress Report: Trading Options with Discipline</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-09_2023-goals.jpg</image:loc><image:title>2023-09-09_2023-goals</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-09_eog-tradeconfirmation.jpg</image:loc><image:title>2023-09-09_eog-tradeconfirmation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-09_eog-optionsnotes.jpg</image:loc><image:title>2023-09-09_eog-optionsnotes</image:title></image:image><lastmod>2023-09-09T12:58:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/08/gps-sectors-and-industries-to-avoid/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-concentration-risk-vpu_idu_futy_rspu.jpg</image:loc><image:title>2023-09-08_seekingalpha-concentration-risk-vpu_idu_futy_rspu</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-totalreturns-aum-vpu_idu_futy_rspu.jpg</image:loc><image:title>2023-09-08_seekingalpha-totalreturns-aum-vpu_idu_futy_rspu</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-totalreturns-aum-schd_dgro_vym.jpg</image:loc><image:title>2023-09-08_seekingalpha-totalreturns-aum-schd_dgro_vym</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_fidelitysectors.jpg</image:loc><image:title>2023-09-08_fidelitysectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-dividends-performance-aum-vpu_idu_futy_rspu.jpg</image:loc><image:title>2023-09-08_seekingalpha-dividends-performance-aum-vpu_idu_futy_rspu</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-expenses-aum-vpu_idu_futy_rspu-1.jpg</image:loc><image:title>2023-09-08_SeekingAlpha-Expenses-AUM-VPU_IDU_FUTY_RSPU</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-expenses-aum-vpu_idu_futy_rspu.jpg</image:loc><image:title>2023-09-08_seekingalpha-expenses-aum-vpu_idu_futy_rspu</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-etf-grades-vpu_idu_futy_rspu-vs-vym_dgro_schd-1.jpg</image:loc><image:title>2023-09-08_seekingalpha-etf-grades-vpu_idu_futy_rspu-vs-vym_dgro_schd-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_gps-report-cover.jpg</image:loc><image:title>2023-09-08_GPS-Report-Cover</image:title><image:caption>Using Fidelity's GPS to identify the sectors I avoid.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-08_seekingalpha-totalreturns-aum-schd_dgro_vym-vs-utilities.jpg</image:loc><image:title>2023-09-08_seekingalpha-totalreturns-aum-schd_dgro_vym-vs-utilities</image:title></image:image><lastmod>2023-09-08T12:21:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/07/a-gps-for-your-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_gps-report-coverpage.jpg</image:loc><image:title>2023-09-07_gps-report-coverpage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_fidelitysectors.jpg</image:loc><image:title>2023-09-07_fidelitysectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_seekingalpha-vym-holdings-graph.jpg</image:loc><image:title>2023-09-07_seekingalpha-vym-holdings-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_fidelity-gps-vym-dgro-schd.jpg</image:loc><image:title>2023-09-07_fidelity-gps-vym-dgro-schd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_fidelity-gps-vym.jpg</image:loc><image:title>2023-09-07_fidelity-gps-vym</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_fidelity-gps-navigate.jpg</image:loc><image:title>2023-09-07_fidelity-gps-navigate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-07_gps-tools-cover.jpg</image:loc><image:title>2023-09-07_GPS-Tools-COVER</image:title><image:caption>A GPS for Your Investments provided by Fidelity Investments</image:caption></image:image><lastmod>2023-09-07T14:23:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/06/another-good-idea-fidfolios%e2%84%a0-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-06_fidfolios-direct-indexing-strategies.jpg</image:loc><image:title>2023-09-06_fidfolios-direct-indexing-strategies</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-06_fidfolios-indexing-activelymanaged.jpg</image:loc><image:title>2023-09-06_fidfolios-indexing-activelymanaged</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-06_fidfolios-howdifferentisit.jpg</image:loc><image:title>2023-09-06_fidfolios-howdifferentisit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-06_fidfolios-activelymanaged-strategies.jpg</image:loc><image:title>2023-09-06_fidfolios-activelymanaged-strategies</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-06_fidfolios-uslargecap-strategies.jpg</image:loc><image:title>2023-09-06_fidfolios-uslargecap-strategies</image:title></image:image><lastmod>2023-09-06T01:35:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/05/easy-income-strategy-checking-the-income-tank/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-05_august-2023-estimatedcashflow-wlw-ira-rmd-ready.jpg</image:loc><image:title>2023-09-05_august-2023-estimatedcashflow-wlw-ira-rmd-ready</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-05_202-fordescapetitanium-fueltank-range.jpg</image:loc><image:title>2023-09-05_202-fordescapetitanium-fueltank-range</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-05_august-2023-ytd-dividends.jpg</image:loc><image:title>2023-09-05_august-2023-ytd-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-05_easyincomestrategy-cover.jpg</image:loc><image:title>2023-09-05_EasyIncomeStrategy-COVER</image:title><image:caption>The Fidelilty Investments Statement is part of the Easy Income Strategy Review</image:caption></image:image><lastmod>2023-09-04T17:33:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/04/kicking-the-tires-on-mutual-funds-part-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_wlw-mutualfunds-etfs-growth-expenses.jpg</image:loc><image:title>2023-09-04_wlw-mutualfunds-etfs-growth-expenses</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_clw-mutualfunds-etfs-growth-expenses.jpg</image:loc><image:title>2023-09-04_clw-mutualfunds-etfs-growth-expenses</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_utma-mutualfunds-etfs-growth-expenses.jpg</image:loc><image:title>2023-09-04_utma-mutualfunds-etfs-growth-expenses</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_seekingalpha-dgro_vym_schd-ratings.jpg</image:loc><image:title>2023-09-04_seekingalpha-dgro_vym_schd-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_seekingalpha-mutualfunds-expenses-10y-returns.jpg</image:loc><image:title>2023-09-04_seekingalpha-mutualfunds-expenses-10y-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_weiss-ratings-a-b-c-d-e.jpg</image:loc><image:title>2023-09-04_weiss-ratings-a-b-c-d-e</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_aaii-table2-2022-mutualfunds-expenses-10y-returns.jpg</image:loc><image:title>2023-09-04_aaii-table2-2022-mutualfunds-expenses-10y-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_aaii-table4-2022-mutualfunds-expenses-10y-returns.jpg</image:loc><image:title>2023-09-04_aaii-table4-2022-mutualfunds-expenses-10y-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_aaii-table3-2022-mutualfunds-expenses-10y-returns.jpg</image:loc><image:title>2023-09-04_aaii-table3-2022-mutualfunds-expenses-10y-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-04_ruleof72-example10percent.jpg</image:loc><image:title>2023-09-04_ruleof72-example10percent</image:title></image:image><lastmod>2023-09-03T21:51:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/02/easy-income-strategy-taxable-income-planning/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_edwardjones-reducingrmd-strategies2.jpg</image:loc><image:title>2023-09-02_edwardjones-reducingrmd-strategies2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_edwardjones-reducingrmd-strategies.jpg</image:loc><image:title>2023-09-02_edwardjones-reducingrmd-strategies</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_roth-bcsf-500shares-dividendview-step2.jpg</image:loc><image:title>2023-09-02_roth-bcsf-500shares-dividendview-step2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-08-31_transfer-bcsf-500shares-fm-ira-to-wlw-roth-step2.jpg</image:loc><image:title>2023-08-31_transfer-bcsf-500shares-fm-ira-to-wlw-roth-step2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-08-31_transfer-bcsf-500shares-fm-ira-to-wlw-roth.jpg</image:loc><image:title>2023-08-31_transfer-bcsf-500shares-fm-ira-to-wlw-roth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_roth-bcsf-500shares-seekingalpha-dividendscorecard.jpg</image:loc><image:title>2023-09-02_roth-bcsf-500shares-seekingalpha-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_roth-bcsf-500shares-doesthemathwork.jpg</image:loc><image:title>2023-09-02_roth-bcsf-500shares-doesthemathwork</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_federalincometaxrates-brackets-married.jpg</image:loc><image:title>2023-09-02_federalincometaxrates-brackets-married</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_federalincometaxrates-brackets-married-taxes.jpg</image:loc><image:title>2023-09-02_federalincometaxrates-brackets-married-taxes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/09/2023-09-02_roth-conversion-tax-cover.jpg</image:loc><image:title>2023-09-02_ROTH-CONVERSION-TAX-COVER</image:title><image:caption>Tax Planning and the Easy Income Strategy: Taxable Income Planning and the Inevitable RMD.</image:caption></image:image><lastmod>2023-09-01T21:49:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/09/01/kicking-the-tires-on-fidelitys-simplicity-rmd-mutual-funds/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_seekingalpha-firux_firrx_firnx_firmx-totalreturns.jpg</image:loc><image:title>2023-08-31_seekingalpha-firux_firrx_firnx_firmx-totalreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_seekingalpha-firux_firrx_firnx_firmx-liquid-concentration.jpg</image:loc><image:title>2023-08-31_seekingalpha-firux_firrx_firnx_firmx-liquid-concentration</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_seekingalpha-firux_firrx_firnx_firmx-divs-performance.jpg</image:loc><image:title>2023-08-31_seekingalpha-firux_firrx_firnx_firmx-divs-performance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_fidelity-choosingasimplicityrmdfund-03-matchingfunds.jpg</image:loc><image:title>2023-08-31_fidelity-choosingasimplicityrmdfund-03-matchingfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_seekingalpha-firux_firrx_firnx_firmx-expenses-aum.jpg</image:loc><image:title>2023-08-31_seekingalpha-firux_firrx_firnx_firmx-expenses-aum</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_fidelity-choosingasimplicityrmdfund-02.jpg</image:loc><image:title>2023-08-31_fidelity-choosingasimplicityrmdfund-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_fidelity-choosingasimplicityrmdfund-01.jpg</image:loc><image:title>2023-08-31_fidelity-choosingasimplicityrmdfund-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-09-01_kicking-tires-mutualfunds-rmd-cover.jpg</image:loc><image:title>2023-09-01_Kicking-Tires-MutualFunds-RMD-COVER</image:title><image:caption>Kicking the Tires on Fidelity's Simplicity RMD Mutual Funds</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-31_seekingalpha-firux_16-year-returns.jpg</image:loc><image:title>2023-08-31_seekingalpha-firux_16-year-returns</image:title></image:image><lastmod>2023-09-01T01:25:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/31/when-the-dividend-drops-or-ceases/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-30_mpw-dividend-decreased.jpg</image:loc><image:title>2023-08-30_mpw-dividend-decreased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-30_mpw-dividend-decreased-cover.jpg</image:loc><image:title>2023-08-30_MPW-Dividend-Decreased-COVER</image:title><image:caption>When the dividend drops or ceases, what should you do? Example: Medical Properties Trust (Ticker MPW)</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-30_mpw-seekingalpha.jpg</image:loc><image:title>2023-08-30_mpw-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-30_mpw-themotleyfool.jpg</image:loc><image:title>2023-08-30_mpw-themotleyfool</image:title></image:image><lastmod>2023-08-30T21:44:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/28/portfolio-buys-dividends-bcsf/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-28_bcsf-fidelity-ess.jpg</image:loc><image:title>2023-08-28_bcsf-fidelity-ess</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-28_bcsf-diversification.jpg</image:loc><image:title>2023-08-28_bcsf-diversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-28_bcsf-dividend-comparisons.jpg</image:loc><image:title>2023-08-28_bcsf-dividend-comparisons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-28_bcsf-quant-comparisons.jpg</image:loc><image:title>2023-08-28_bcsf-quant-comparisons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-28_bcsf-cover.jpg</image:loc><image:title>2023-08-28_BCSF-COVER</image:title><image:caption>Portfolio Buys and Dividends focused on Business Development Companies lik Bain Capital (Ticker: BCSF)</image:caption></image:image><lastmod>2023-08-28T10:59:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/25/replace-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-25_replace-cover.jpg</image:loc><image:title>2023-08-25_Replace-COVER</image:title><image:caption>Five-Minute Friday REPLACE (Three bad exchanges.)</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-25_romans1_22-27.jpg</image:loc><image:title>2023-08-25_romans1_22-27</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-25_ezekiel36_23-27.jpg</image:loc><image:title>2023-08-25_ezekiel36_23-27</image:title></image:image><lastmod>2023-09-03T19:52:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/25/social-security-myths-and-facts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-12_retirementsavings-wsj-byamounts.jpg</image:loc><image:title>2023-08-12_retirementsavings-wsj-byamounts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-25_myths-socialsecurity-cover.jpg</image:loc><image:title>2023-08-25_MYTHS-SocialSecurity-COVER</image:title><image:caption>It is probably foolhardy to think of Social Security as an investment. It is a government-run annuity.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/demographics-usa-population-2020.jpg</image:loc><image:title>demographics-usa-population-2020</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-25_socialsecurity-waynesstatement.jpg</image:loc><image:title>2023-08-25_socialsecurity-waynesstatement</image:title></image:image><lastmod>2023-08-24T21:11:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/22/portfolio-buys-and-dividends-august-obdc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-seekingalpha-obdc-dividendhistory-2022-2023.jpg</image:loc><image:title>2023-08-22-seekingalpha-obdc-dividendhistory-2022-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-seekingalpha-obdc-dividendhistory.jpg</image:loc><image:title>2023-08-22-seekingalpha-obdc-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-seekingalpha-obdc-dividendscorecard.jpg</image:loc><image:title>2023-08-22-seekingalpha-obdc-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-seekingalpha-obdc-summary-ratings.jpg</image:loc><image:title>2023-08-22-seekingalpha-obdc-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-fidelity-obdc-fundamentalanalysis.jpg</image:loc><image:title>2023-08-22-fidelity-obdc-fundamentalanalysis</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-seekingalpha-obdc-revenue-eps.jpg</image:loc><image:title>2023-08-22-seekingalpha-obdc-revenue-eps</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22_obdc-cover.jpg</image:loc><image:title>2023-08-22_OBDC-COVER</image:title><image:caption>Blue Owl Capital Corporation is an Easy Income BDC</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22_obdc-diversification-portfoliobyindustry.jpg</image:loc><image:title>2023-08-22_obdc-diversification-portfoliobyindustry</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-fidelity-obdc-shares-2800.jpg</image:loc><image:title>2023-08-22-fidelity-obdc-shares-2800</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-22-wayne-ira-obdc-b400.jpg</image:loc><image:title>2023-08-22-wayne-ira-obdc-b400</image:title></image:image><lastmod>2023-08-22T12:24:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/18/moment-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-18-moment-mask.jpg</image:loc><image:title>2023-08-18-moment-mask</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-18-moment-cover.jpg</image:loc><image:title>2023-08-18 MOMENT-COVER</image:title><image:caption>The Mouth of Truth is a marble mask in Rome, Italy. Do you dare stick your hand in its mouth?</image:caption></image:image><lastmod>2023-08-21T01:37:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/18/easy-income-strategy-five-stars/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-18_dividendpaymentboosts-eis-cover.jpg</image:loc><image:title>2023-08-18_DividendPaymentBoosts-EIS-COVER</image:title><image:caption>Easy Income Strategy - Five Stars (5 companies raised their dividends.)</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-18_barronsdividendpaymentboosts-eis.jpg</image:loc><image:title>2023-08-18_barronsdividendpaymentboosts-eis</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-18_dividendpaymentboosts-eis-winquist.jpg</image:loc><image:title>2023-08-18_dividendpaymentboosts-eis-winquist</image:title></image:image><lastmod>2023-08-18T02:30:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/16/be-alert-with-online-accounts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_lifelock.jpg</image:loc><image:title>2023-08-16_lifelock</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_expressvpn.jpg</image:loc><image:title>2023-08-16_expressvpn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_mcafeetotalprotection.jpg</image:loc><image:title>2023-08-16_mcafeetotalprotection</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_fidelityrewardscard-02.jpg</image:loc><image:title>2023-08-16_fidelityrewardscard-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_fidelityrewardscard-01.jpg</image:loc><image:title>2023-08-16_fidelityrewardscard-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-16_fidelityrewardscard-cover.jpg</image:loc><image:title>2023-08-16_FidelityRewardsCard-COVER</image:title><image:caption>Be Alert with your online accounts. It may save you from some theft and a lot of bigger problems if you are not alert.</image:caption></image:image><lastmod>2023-08-16T17:34:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/10/let-price-alerts-work-for-you/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_fidelityalerts-hot-sale.jpg</image:loc><image:title>2023-08-10_fidelityalerts-hot-sale</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_fidelityalerts-buy-low-sell-high.jpg</image:loc><image:title>2023-08-10_fidelityalerts-buy-low-sell-high</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_fidelityalerts-cover.jpg</image:loc><image:title>2023-08-10_FidelityAlerts-COVER</image:title><image:caption>Let Price Alerts work for you. Today's Example is SWKS</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_swks-seekingalpha-ratings.jpg</image:loc><image:title>2023-08-10_swks-seekingalpha-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_swks-stockrover-dividendsgraph.jpg</image:loc><image:title>2023-08-10_swks-stockrover-dividendsgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_swks-fidelityactivetraderpro.jpg</image:loc><image:title>2023-08-10_swks-fidelityactivetraderpro</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_fidelityalerts-pricetriggers.jpg</image:loc><image:title>2023-08-10_fidelityalerts-pricetriggers</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-10_fidelityalerts-menu.jpg</image:loc><image:title>2023-08-10_fidelityalerts-menu</image:title></image:image><lastmod>2023-08-11T16:26:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/08/capital-southwest-no-regrets/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-cover-2.jpg</image:loc><image:title>2023-08-08_cswc-cover-2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-dividendincreased-and-suppl-div.jpg</image:loc><image:title>2023-08-08_cswc-dividendincreased-and-suppl-div</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-cover.jpg</image:loc><image:title>2023-08-08_CSWC-COVER</image:title><image:caption>Some of the people who are watching out for some of my sheep.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-sa-dividendoverview.jpg</image:loc><image:title>2023-08-08_cswc-sa-dividendoverview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-sa-summary-ratings-quant-buy.jpg</image:loc><image:title>2023-08-08_cswc-sa-summary-ratings-quant-buy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-dividends-graph-2016-2023-3types.jpg</image:loc><image:title>2023-08-08_cswc-dividends-graph-2016-2023-3types</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-08_cswc-dividends-table-2020-2023-ytd.jpg</image:loc><image:title>2023-08-08_cswc-dividends-table-2020-2023-ytd</image:title></image:image><lastmod>2023-08-08T12:07:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/07/my-next-stock-buy-will-be/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-fidelity-ess-verybullish.jpg</image:loc><image:title>2023-08-07_unm-fidelity-ess-verybullish</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-profile-mkt-cap.jpg</image:loc><image:title>2023-08-07_unm-stockrover-profile-mkt-cap</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-businesssdescription.jpg</image:loc><image:title>2023-08-07_unm-stockrover-businesssdescription</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-returnsvsbenchmarks.jpg</image:loc><image:title>2023-08-07_unm-stockrover-returnsvsbenchmarks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-profitability.jpg</image:loc><image:title>2023-08-07_unm-stockrover-profitability</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-risk-returns.jpg</image:loc><image:title>2023-08-07_unm-stockrover-risk-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-dividends-explanation.jpg</image:loc><image:title>2023-08-07_unm-stockrover-dividends-explanation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-dividends-table.jpg</image:loc><image:title>2023-08-07_unm-stockrover-dividends-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-dividend-growth-graph.jpg</image:loc><image:title>2023-08-07_unm-stockrover-dividend-growth-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-07_unm-stockrover-scores-value.jpg</image:loc><image:title>2023-08-07_unm-stockrover-scores-value</image:title></image:image><lastmod>2023-08-06T21:01:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/05/when-to-take-social-security/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-05_socialsecurity-age62-fra-table-notes.jpg</image:loc><image:title>2023-08-05_socialsecurity-age62-fra-table-notes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-05_socialsecurity-age62-fra-table.jpg</image:loc><image:title>2023-08-05_socialsecurity-age62-fra-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-05_socialsecurity-cover.jpg</image:loc><image:title>2023-08-05_SocialSecurity-COVER</image:title><image:caption>When to Tke Social Security?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-04_aaii-journal-cover.jpg</image:loc><image:title>2023-08-04_aaii-journal-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-04_aaii-journal-letters-socialsecurity.jpg</image:loc><image:title>2023-08-04_aaii-journal-letters-socialsecurity</image:title></image:image><lastmod>2023-08-05T13:56:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/04/watch-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-04_watch-fmf-cover.jpg</image:loc><image:title>2023-08-04_Watch-FMF-COVER</image:title><image:caption>Five-Minute Friday: Watch has many 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2023 Investment Portfolio Buys, Sells, Dividends, and Options Trade Income</image:caption></image:image><lastmod>2023-08-04T01:52:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/08/03/quarterly-and-supplemental-dividends-from-cswc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-fidelity-atp-holdings3500shares.jpg</image:loc><image:title>2023-08-02_cswc-fidelity-atp-holdings3500shares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-sa-companyprofile.jpg</image:loc><image:title>2023-08-02_cswc-sa-companyprofile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-sa-revenue.jpg</image:loc><image:title>2023-08-02_cswc-sa-revenue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-sa-earningspershare-eps.jpg</image:loc><image:title>2023-08-02_cswc-sa-earningspershare-eps</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-sa-summary-ratings.jpg</image:loc><image:title>2023-08-02_cswc-sa-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-fidelity-atp-research.jpg</image:loc><image:title>2023-08-02_cswc-fidelity-atp-research</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-stockrover-estimatessectioninformation.jpg</image:loc><image:title>2023-08-02_cswc-stockrover-estimatessectioninformation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-stockrover-estimates-buy.jpg</image:loc><image:title>2023-08-02_cswc-stockrover-estimates-buy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-stockrover-description-scores.jpg</image:loc><image:title>2023-08-02_cswc-stockrover-description-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/08/2023-08-02_cswc-wallmine-insiderbuying.jpg</image:loc><image:title>2023-08-02_cswc-wallmine-insiderbuying</image:title></image:image><lastmod>2023-08-02T21:23:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/31/top-ten-top-two-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_fidelity-stockanalysis-geographicdistrib-usa-92percent.jpg</image:loc><image:title>2023-07-29_fidelity-stockanalysis-geographicdistrib-usa-92percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_fidelity-stockanalysis-sectors-top-3-66percent.jpg</image:loc><image:title>2023-07-29_fidelity-stockanalysis-sectors-top-3-66percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_fidelity-asset-allocation-stocks-97percent.jpg</image:loc><image:title>2023-07-29_fidelity-asset-allocation-stocks-97percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-31_toptenholdings-graph-nodividends.jpg</image:loc><image:title>2023-07-31_toptenholdings-graph-nodividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_toptenholdings-seekingalpha-dividends.jpg</image:loc><image:title>2023-07-29_toptenholdings-seekingalpha-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_toptenholdings-seekingalpha-ratings.jpg</image:loc><image:title>2023-07-29_toptenholdings-seekingalpha-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_toptenholdings-graph.jpg</image:loc><image:title>2023-07-29_toptenholdings-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-31_amd-companyprofile.jpg</image:loc><image:title>2023-07-31_amd-companyprofile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-31_amd-summary.jpg</image:loc><image:title>2023-07-31_amd-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-31_avgo-companyprofile.jpg</image:loc><image:title>2023-07-31_avgo-companyprofile</image:title></image:image><lastmod>2023-07-30T12:08:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/29/cash-opportunities-3-of-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_bondladderreport-04.jpg</image:loc><image:title>2023-07-29_bondladderreport-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_bondladderreport-03.jpg</image:loc><image:title>2023-07-29_bondladderreport-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_bondladderreport-02.jpg</image:loc><image:title>2023-07-29_bondladderreport-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_bondladderreport-01.jpg</image:loc><image:title>2023-07-29_bondladderreport-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-ladders-1-year-start-02-details.jpg</image:loc><image:title>2023-07-29_cd-ladders-1-year-start-02-details</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-ladders-1-year-start-01.jpg</image:loc><image:title>2023-07-29_cd-ladders-1-year-start-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-ladders-1-year-start-03-buildingsteps-02.jpg</image:loc><image:title>2023-07-29_cd-ladders-1-year-start-03-buildingsteps-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-ladders-1-year-start-03-understandingladders-01.jpg</image:loc><image:title>2023-07-29_cd-ladders-1-year-start-03-understandingladders-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-fixedincomeanalysis-cash-flow-02.jpg</image:loc><image:title>2023-07-29_cd-fixedincomeanalysis-cash-flow-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-29_cd-fixedincomeanalysis-positions-01.jpg</image:loc><image:title>2023-07-29_cd-fixedincomeanalysis-positions-01</image:title></image:image><lastmod>2023-07-29T23:15:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/28/easy-income-strategy-arbor-realty/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_abr-holdings.jpg</image:loc><image:title>2023-07-28_abr-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_abr-companyprofile.jpg</image:loc><image:title>2023-07-28_abr-companyprofile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_abr-dividendsummary-dividendhistory.jpg</image:loc><image:title>2023-07-28_abr-dividendsummary-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_abr-email-dividendincreased.jpg</image:loc><image:title>2023-07-28_abr-email-dividendincreased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_abr-eis_cover.jpg</image:loc><image:title>2023-07-28_ABR-EIS_COVER</image:title><image:caption>Easy Income Strategy Buy REITs</image:caption></image:image><lastmod>2023-07-28T13:53:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/28/cash-opportunities/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_cd-ladders-1-year-start-02-attributes-sinkingfund.jpg</image:loc><image:title>2023-07-28_cd-ladders-1-year-start-02-attributes-sinkingfund</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_cd-ladders-1-year-start-02-attributes-fdic-cp.jpg</image:loc><image:title>2023-07-28_cd-ladders-1-year-start-02-attributes-fdic-cp</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_cashopportunities-2of3-cover.jpg</image:loc><image:title>2023-07-28_CashOpportunities-2of3-COVER</image:title><image:caption>Cash Opportunities - Wise Cash Allocation 2 of 3</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-28_wisconsinbankandtrust-cd-rates.jpg</image:loc><image:title>2023-07-28_wisconsinbankandtrust-cd-rates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-26_compare-cds.jpg</image:loc><image:title>2023-07-26_compare-cds</image:title></image:image><lastmod>2023-07-27T21:57:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/27/cash-opportunities-1-of-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-26_core-accountinterestrates-257.jpg</image:loc><image:title>2023-07-26_core-accountinterestrates-257</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-27_cashopportunities-1of3-cover.jpg</image:loc><image:title>2023-07-27_CashOpportunities-1of3-COVER</image:title><image:caption>Cash 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3</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-26_compare-fdrxx_fzfxx_spaxx.jpg</image:loc><image:title>2023-07-26_compare-fdrxx_fzfxx_spaxx</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-26_fidelity-cash-checking-acct-positions.jpg</image:loc><image:title>2023-07-26_fidelity-cash-checking-acct-positions</image:title></image:image><lastmod>2023-07-27T13:23:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/25/why-and-how-i-read-the-news/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_fidelity-portfolioevents.jpg</image:loc><image:title>2023-07-25_fidelity-portfolioevents</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_readingandusingbusinessnews-fidelity.jpg</image:loc><image:title>2023-07-25_readingandusingbusinessnews-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_federalreserve.jpg</image:loc><image:title>2023-07-25_federalreserve</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_earnings.jpg</image:loc><image:title>2023-07-25_earnings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_fang.jpg</image:loc><image:title>2023-07-25_fang</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_readingandusingbusinessnews-wsj.jpg</image:loc><image:title>2023-07-25_readingandusingbusinessnews-wsj</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-25_readingandusingbusinessnews-cover.jpg</image:loc><image:title>2023-07-25_ReadingAndUsingBusinessNews-COVER</image:title><image:caption>Why and How I read the news. It has to be a quick snack.</image:caption></image:image><lastmod>2023-07-25T11:32:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/24/real-estate-revisited-july-2023/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-seekingalpha-dividend-payoutratio-grades.jpg</image:loc><image:title>2023-07-24_reits-seekingalpha-dividend-payoutratio-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-dividends-eai.jpg</image:loc><image:title>2023-07-24_reits-dividends-eai</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-bytotalvalue-sa-quant.jpg</image:loc><image:title>2023-07-24_reits-bytotalvalue-sa-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-biginvestors-03.jpg</image:loc><image:title>2023-07-24_reits-biginvestors-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-biginvestors-02.jpg</image:loc><image:title>2023-07-24_reits-biginvestors-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reits-biginvestors-01.jpg</image:loc><image:title>2023-07-24_reits-biginvestors-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_5746-schumann-drive-245000.jpg</image:loc><image:title>2023-07-23_5746-schumann-drive-245000</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-24_reit-cover.jpg</image:loc><image:title>2023-07-24_REIT-COVER</image:title><image:caption>Buying Real Estate or Buying REITs?</image:caption></image:image><lastmod>2023-07-24T12:49:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/23/decide-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_sins-erased.jpg</image:loc><image:title>2023-07-23_sins-erased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_bible-phil4_8-9.jpg</image:loc><image:title>2023-07-23_bible-phil4_8-9</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_bible-romans10-4.jpg</image:loc><image:title>2023-07-23_bible-romans10-4</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_bible-romans5-1.jpg</image:loc><image:title>2023-07-23_bible-romans5-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_bible-truthornot.jpg</image:loc><image:title>2023-07-23_bible-truthornot</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-23_decide-cover.jpg</image:loc><image:title>2023-07-23_DECIDE-COVER</image:title><image:caption>Five-Minute 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DECIDE</image:caption></image:image><lastmod>2023-07-28T21:53:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/22/moving-bdc-income-to-tax-free-account/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_pnnt-seekingalpha-dividends-quant.jpg</image:loc><image:title>2023-07-22_pnnt-seekingalpha-dividends-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_pnnt-stockrover-profile-description.jpg</image:loc><image:title>2023-07-22_pnnt-stockrover-profile-description</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_pnnt-stockrover-dividendgraph.jpg</image:loc><image:title>2023-07-22_pnnt-stockrover-dividendgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_pnnt-wallmine-insiderbuys.jpg</image:loc><image:title>2023-07-22_pnnt-wallmine-insiderbuys</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_transfer-pnnt-1000shares-to-wlw-roth-ira.jpg</image:loc><image:title>2023-07-22_transfer-pnnt-1000shares-to-wlw-roth-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-22_pnnt-roth-transfer-cover.jpg</image:loc><image:title>2023-07-22_PNNT-ROTH-TRANSFER-COVER</image:title><image:caption>ROTH IRA Transfer of PNNT Shares - Why?</image:caption></image:image><lastmod>2023-07-21T23:40:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/21/waynes-roth-ira-top-ten-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-21_wlw-roth-toptenholdings-byvalue-dividends.jpg</image:loc><image:title>2023-07-21_wlw-roth-toptenholdings-byvalue-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-21_wlw-roth-toptenholdings-byvalue.jpg</image:loc><image:title>2023-07-21_wlw-roth-toptenholdings-byvalue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-21_wlw-roth-toptenholdings-bystyle-fidelity.jpg</image:loc><image:title>2023-07-21_wlw-roth-toptenholdings-bystyle-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-21_wlw-roth-toptenholdings-byvalue-fidelity.jpg</image:loc><image:title>2023-07-21_wlw-roth-toptenholdings-byvalue-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-21_wlw-roth-toptenholdings-cover.jpg</image:loc><image:title>2023-07-21_WLW-ROTH-TopTenHoldings-COVER</image:title><image:caption>Wayne's ROTH IRA Dividend Focus in the Top Ten</image:caption></image:image><lastmod>2023-07-21T12:16:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/18/portfolio-buys-sells-july-2023-mtd/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_nnn-fact-sheet-02.jpg</image:loc><image:title>2023-07-18_nnn-fact-sheet-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_nnn-fact-sheet-01.jpg</image:loc><image:title>2023-07-18_nnn-fact-sheet-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_asrt-holdings.jpg</image:loc><image:title>2023-07-18_asrt-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_nnn-dividend-summary.jpg</image:loc><image:title>2023-07-18_nnn-dividend-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_nnn-dividend-increased.jpg</image:loc><image:title>2023-07-18_nnn-dividend-increased</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_positionstraded-02-1.jpg</image:loc><image:title>2023-07-18_positionstraded-02-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_positionstraded-02.jpg</image:loc><image:title>2023-07-18_positionstraded-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_positionstraded-01.jpg</image:loc><image:title>2023-07-18_positionstraded-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-18_buy-sell-trade-cover-2-july18.jpg</image:loc><image:title>2023-07-18_BUY-SELL-TRADE-COVER-2-July18</image:title><image:caption>What I am Buying and Selling in July 2023</image:caption></image:image><lastmod>2023-07-21T13:29:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/17/easy-income-strategy-2nd-quarter-2023-results-2-of-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_top20-tickers-byvalue.jpg</image:loc><image:title>2023-07-17_top20-tickers-byvalue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_ytd-income-by-type.jpg</image:loc><image:title>2023-07-17_ytd-income-by-type</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_2023-q2-dividendsincomebyday.jpg</image:loc><image:title>2023-07-17_2023-q2-dividendsincomebyday</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_2023-q2-dividendsbyposition.jpg</image:loc><image:title>2023-07-17_2023-q2-dividendsbyposition</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_fidelity-junestatement-taxfreeincome.jpg</image:loc><image:title>2023-07-17_fidelity-junestatement-taxfreeincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-17_fidelity-personaltenyearreturns.jpg</image:loc><image:title>2023-07-17_fidelity-personaltenyearreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-06-30-easymoney-2023-q2-cover-2-of-2.jpg</image:loc><image:title>2023-06-30 EasyMoney-2023-Q2-COVER-2-of-2</image:title><image:caption>Wayne's Easy Income Strategy 2nd Quarter 2023 Report Card</image:caption></image:image><lastmod>2023-07-17T12:47:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/16/methods-matter/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-16_makingdisciples.jpg</image:loc><image:title>2023-07-16_makingdisciples</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-16_ussbagley-de1069-signalbridge.jpg</image:loc><image:title>2023-07-16_ussbagley-de1069-signalbridge</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-16_waynelwinquist-signalman-may1975-ussbagley-de1069.jpg</image:loc><image:title>2023-07-16_waynelwinquist-signalman-may1975-ussbagley-de1069</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-16_methodsmatter-cover.jpg</image:loc><image:title>2023-07-16_MethodsMatter-COVER</image:title><image:caption>Methods Matter. 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money.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-postno-01-whatiseasyincome-march-4-2023.jpg</image:loc><image:title>2023-07-13-eis-postno-01-whatiseasyincome-march-4-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-postno-02-1stquarterresults-april-8-2023.jpg</image:loc><image:title>2023-07-13-eis-postno-02-1stquarterresults-april-8-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-magnifyingglass-searching.jpg</image:loc><image:title>2023-07-13-eis-magnifyingglass-searching</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-articlelinks-categories.jpg</image:loc><image:title>2023-07-13-eis-articlelinks-categories</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-articlelinks-bottom.jpg</image:loc><image:title>2023-07-13-eis-articlelinks-bottom</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-spreadsheet-sample.jpg</image:loc><image:title>2023-07-13-eis-spreadsheet-sample</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-eis-newfollowers-cover.jpg</image:loc><image:title>2023-07-13-eis-newfollowers-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-13-easyincomestrategy-reprise-index-cover.jpg</image:loc><image:title>2023-07-13 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Index</image:caption></image:image><lastmod>2023-07-12T19:45:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/11/keeping-cindies-cash-working/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-11_cindie-cd-orders-02.jpg</image:loc><image:title>2023-07-11_cindie-cd-orders-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-11_cindie-cd-orders-01.jpg</image:loc><image:title>2023-07-11_cindie-cd-orders-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-11_cindie-cd-orders-03.jpg</image:loc><image:title>2023-07-11_cindie-cd-orders-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-11_cindie-cd-cover-00.jpg</image:loc><image:title>2023-07-11_Cindie-CD-COVER-00</image:title><image:caption>Keeping Cindie's cash working with CD's.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-11_spectrum.jpg</image:loc><image:title>2023-07-11_spectrum</image:title></image:image><lastmod>2023-07-11T11:21:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/08/easy-income-strategy-1st-quarter-results/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_march-2023-dividends-47positions-piechart.jpg</image:loc><image:title>2023-04-07_march-2023-dividends-47positions-piechart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_march-2023-dividends-top10positions-table.jpg</image:loc><image:title>2023-04-07_march-2023-dividends-top10positions-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_march-2023-dividends-top10positions-barchart.jpg</image:loc><image:title>2023-04-07_march-2023-dividends-top10positions-barchart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_eis-dividends-options-table.jpg</image:loc><image:title>2023-04-07_eis-dividends-options-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_ford-other-dividend.jpg</image:loc><image:title>2023-04-07_ford-other-dividend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-0407-easymoney-2023-q1-cover.jpg</image:loc><image:title>2023-0407 EasyMoney-2023-Q1-COVER</image:title><image:caption>Easy Income Strategy - First Quarter 2023 Report Card</image:caption></image:image><lastmod>2023-07-10T14:02:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/05/09/easy-income-strategy-risk-factors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-09_risks-list.jpg</image:loc><image:title>2023-05-09_risks-list</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-09_monk.jpg</image:loc><image:title>2023-05-09_monk</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-09_risky-cover.jpg</image:loc><image:title>2023-05-09_Risky-COVER</image:title><image:caption>Easy Income Strategy - Is it Risky? In what ways?</image:caption></image:image><lastmod>2023-07-10T13:59:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/05/22/easy-income-strategy-little-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-22_littlebylittle-rules.jpg</image:loc><image:title>2023-05-22_littlebylittle-rules</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-22_littlebylittle-patience.jpg</image:loc><image:title>2023-05-22_littlebylittle-patience</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-22_littlebylittle-money.jpg</image:loc><image:title>2023-05-22_littlebylittle-money</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/05/2023-05-22_littlebylittle-cover.jpg</image:loc><image:title>2023-05-22_LittleByLittle-COVER</image:title><image:caption>Easy Inicome Strategy - Little-by-Little Investing</image:caption></image:image><lastmod>2023-07-10T13:58:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/09/easy-income-strategy-the-power-of-consistency/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-seekingalpha-revenue-ffo-03.jpg</image:loc><image:title>2023-07-08_nnn-seekingalpha-revenue-ffo-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-seekingalpha-topretailreits-02.jpg</image:loc><image:title>2023-07-08_nnn-seekingalpha-topretailreits-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-seekingalpha-dividends-01a.jpg</image:loc><image:title>2023-07-08_nnn-seekingalpha-dividends-01a</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-seekingalpha-dividends-01.jpg</image:loc><image:title>2023-07-08_nnn-seekingalpha-dividends-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-seekingalpha-summary-ratings-04.jpg</image:loc><image:title>2023-07-08_nnn-seekingalpha-summary-ratings-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-stockrover-comparefairvalue-07.jpg</image:loc><image:title>2023-07-08_nnn-stockrover-comparefairvalue-07</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-stockrover-2007-2023-totalreturns-06.jpg</image:loc><image:title>2023-07-08_nnn-stockrover-2007-2023-totalreturns-06</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-stockrover-2007-2023-dividends-05.jpg</image:loc><image:title>2023-07-08_nnn-stockrover-2007-2023-dividends-05</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-properties-tenants-00.jpg</image:loc><image:title>2023-07-08_nnn-properties-tenants-00</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-08_nnn-easyincomestrategy-cover-00.jpg</image:loc><image:title>2023-07-08_NNN-EasyIncomeStrategy-COVER-00</image:title><image:caption>Easy Income Strategy - The Power of Consistency is Profound</image:caption></image:image><lastmod>2023-07-10T13:57:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/04/the-easy-income-strategy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-04_averagemoincome-3years.jpg</image:loc><image:title>2023-03-04_averagemoincome-3years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-04_averagemoincome-5years.jpg</image:loc><image:title>2023-03-04_averagemoincome-5years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-04_averagemoincome-10years.jpg</image:loc><image:title>2023-03-04_averagemoincome-10years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-04_averagemoincome-20years.jpg</image:loc><image:title>2023-03-04_averagemoincome-20years</image:title></image:image><lastmod>2023-07-10T13:49:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/10/a-healthy-portfolio-checkup-review-02/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_seekingalpha-etf-grades.jpg</image:loc><image:title>2023-07-10_seekingalpha-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_seekingalpha-dividends.jpg</image:loc><image:title>2023-07-10_seekingalpha-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_seekingalpha-concentration-risk-holdings.jpg</image:loc><image:title>2023-07-10_seekingalpha-concentration-risk-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_seekingalpha-performance.jpg</image:loc><image:title>2023-07-10_seekingalpha-performance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_growth-value.jpg</image:loc><image:title>2023-07-10_growth-value</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_review-number-02-cover.jpg</image:loc><image:title>2023-07-10_REVIEW-Number-02-COVER</image:title><image:caption>A Healthy Checkup: Portfolio Review Number 2 Growth or Value?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_tortoise-hare.jpg</image:loc><image:title>2023-07-10_tortoise-hare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-10_fidelity-stockstyle-value-blend-growth-winquist.jpg</image:loc><image:title>2023-07-10_fidelity-stockstyle-value-blend-growth-winquist</image:title></image:image><lastmod>2023-07-10T11:26:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/07/a-healthy-checkup-portfolio-review/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-06-29_fidelity-stockstyle-value-blend-growth.jpg</image:loc><image:title>2023-06-29_fidelity-stockstyle-value-blend-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-06-29_fidelity-stockstyle-large-mid-small.jpg</image:loc><image:title>2023-06-29_fidelity-stockstyle-large-mid-small</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-07_portfolio-allocation-number-01-largemidsmall.jpg</image:loc><image:title>2023-07-07_portfolio-allocation-number-01-largemidsmall</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-07_review-number-01-cover.jpg</image:loc><image:title>2023-07-07_REVIEW-Number-01-COVER</image:title><image:caption>A Healthy Investment Portfolio Review NUMBER ONE</image:caption></image:image><lastmod>2023-07-07T13:11:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/07/03/quick-stock-review-wba/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-earnings.jpg</image:loc><image:title>2023-07-03_wba-earnings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-dividends.jpg</image:loc><image:title>2023-07-03_wba-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-fidelityatp-sellputoption.jpg</image:loc><image:title>2023-07-03_wba-fidelityatp-sellputoption</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-barrons.jpg</image:loc><image:title>2023-07-03_wba-barrons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-barrons-chartingthemarket.jpg</image:loc><image:title>2023-07-03_wba-barrons-chartingthemarket</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/07/2023-07-03_wba-cover.jpg</image:loc><image:title>2023-07-03_WBA-COVER</image:title><image:caption>Quick Stock Review of Walgreens Boots Alliance (WBA)</image:caption></image:image><lastmod>2023-07-05T16:53:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/30/mutual-fund-basics-important/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-30_mutualfundfees.jpg</image:loc><image:title>2023-06-30_mutualfundfees</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-30-mutualfunds-cover.jpg</image:loc><image:title>2023-06-30 MutualFunds-COVER</image:title><image:caption>Mutual Funds can be confusing to a new investor.</image:caption></image:image><lastmod>2023-06-30T10:39:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/29/evaluating-bdc-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-29_dividendpayoutratio-bdcs.jpg</image:loc><image:title>2023-06-29_dividendpayoutratio-bdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-29_dividendgrowthratings-bdcs.jpg</image:loc><image:title>2023-06-29_dividendgrowthratings-bdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-29_10yearreturnsbdcs.jpg</image:loc><image:title>2023-06-29_10yearreturnsbdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-29_sa-quant-bdcs.jpg</image:loc><image:title>2023-06-29_sa-quant-bdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-29_bdcs-cover.jpg</image:loc><image:title>2023-06-29_BDCs-COVER</image:title><image:caption>Evalutating BDC Investments: Buy the ones that are likely to stay stable, not the ones that are likely to tumble.</image:caption></image:image><lastmod>2023-07-05T10:17:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/27/what-to-do-before-retirement/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-27-retirementplan-cover.jpg</image:loc><image:title>2023-06-27 RetirementPlan-COVER</image:title><image:caption>Do you real know and control your retirement age? What is your real retirement age and your related plan?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-27-retirement-budgets.jpg</image:loc><image:title>2023-06-27-retirement-budgets</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-27-annuity.jpg</image:loc><image:title>2023-06-27-annuity</image:title></image:image><lastmod>2023-06-27T11:29:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/26/a-skin-deep-investment-idea/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-26_skindeep-cover.jpg</image:loc><image:title>2023-06-26_SkinDeep-COVER</image:title><image:caption>A Skin-Deep Investment Idea</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-26-municipalbonds.jpg</image:loc><image:title>Municipals,-,Hand,Writing,Word,To,Represent,The,Meaning,Of</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-26-treasurybonds.jpg</image:loc><image:title>Treasury,Bonds,And,Notes,-,Hand,Writing,Word,To,Represent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-26-babybonds.jpg</image:loc><image:title>Baby,Bonds,-,Hand,Writing,Word,To,Represent,The,Meaning</image:title></image:image><lastmod>2023-06-26T12:25:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/23/aspire-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-23-aspire-fmf-cover.jpg</image:loc><image:title>2023-06-23 Aspire-FMF-COVER</image:title><image:caption>Aspire to something that is worth your life. Don't set goals that will not satisfy when they are achieved.</image:caption></image:image><lastmod>2023-06-25T23:34:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/21/contrarian-view-maverick-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-21_contrarian-allocations-cover.jpg</image:loc><image:title>2023-06-21_contrarian-allocations-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-21_maverick-cover.jpg</image:loc><image:title>2023-06-21_Maverick-COVER</image:title><image:caption>Why I am a maverick boomer.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-21_financialsectorreturns-postdrops.jpg</image:loc><image:title>2023-06-21_financialsectorreturns-postdrops</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-21_assetallocation-stocks-sector-allocations.jpg</image:loc><image:title>2023-06-21_assetallocation-stocks-sector-allocations</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-21_assetallocation-stocks-98-percent.jpg</image:loc><image:title>2023-06-21_assetallocation-stocks-98-percent</image:title></image:image><lastmod>2023-06-21T12:08:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/06/19/vym-by-the-tens/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-ratingssummary-rankings.jpg</image:loc><image:title>2023-06-16_vym-sa-ratingssummary-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-sectorweightings.jpg</image:loc><image:title>2023-06-16_vym-sa-sectorweightings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-top-10-holdings.jpg</image:loc><image:title>2023-06-16_vym-sa-top-10-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-10-year-returns.jpg</image:loc><image:title>2023-06-16_vym-sa-10-year-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-dividendhistory-2020-2023-q2-dividends.jpg</image:loc><image:title>2023-06-16_vym-sa-dividendhistory-2020-2023-q2-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-sa-dividendhistory-10-years.jpg</image:loc><image:title>2023-06-16_vym-sa-dividendhistory-10-years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-16_vym-dividendannounced.jpg</image:loc><image:title>2023-06-16_vym-dividendannounced</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/06/2023-06-19_vym-cover.jpg</image:loc><image:title>2023-06-19_VYM-COVER</image:title><image:caption>VYM has Three Tens Worth Noting. 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Realize (Do you have the full picture?)</image:caption></image:image><lastmod>2023-04-14T15:17:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/13/easy-income-strategy-managing-your-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-14_automaticdividendreinvestment-cover.jpg</image:loc><image:title>2023-04-14_AutomaticDividendReinvestment-COVER</image:title><image:caption>Easy Income Strategy - What should I do with my dividends?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-13_fidelity-dividendsandcapitalgains-ira.jpg</image:loc><image:title>2023-04-13_fidelity-dividendsandcapitalgains-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-13_fidelity-dividendsandcapitalgains.jpg</image:loc><image:title>2023-04-13_fidelity-dividendsandcapitalgains</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-13_fidelity-dividendsandcapitalgains-utma.jpg</image:loc><image:title>2023-04-13_fidelity-dividendsandcapitalgains-utma</image:title></image:image><lastmod>2023-07-05T16:55:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/12/easy-income-strategy-essential-properties-reit/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-seekingalpha-dividendconsistency.jpg</image:loc><image:title>2023-04-12_eprt-seekingalpha-dividendconsistency</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-seekingalpha-quant-rating-graph.jpg</image:loc><image:title>2023-04-12_eprt-seekingalpha-quant-rating-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-seekingalpha-revenue-ffo-barcharts.jpg</image:loc><image:title>2023-04-12_eprt-seekingalpha-revenue-ffo-barcharts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-stockrover-2018-2022-dividend-barchart.jpg</image:loc><image:title>2023-04-12_eprt-stockrover-2018-2022-dividend-barchart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-stockrover-2018-2022-returns-barchart.jpg</image:loc><image:title>2023-04-12_eprt-stockrover-2018-2022-returns-barchart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-stockrover-analyst-ratings.jpg</image:loc><image:title>2023-04-12_eprt-stockrover-analyst-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-fidelity-dividendgrowth.jpg</image:loc><image:title>2023-04-12_eprt-fidelity-dividendgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-fidelity-beats-earnings-estimates.jpg</image:loc><image:title>2023-04-12_eprt-fidelity-beats-earnings-estimates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-waynes-eis-rankings.jpg</image:loc><image:title>2023-04-12_eprt-waynes-eis-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-12_eprt-property-diversification-piechart.jpg</image:loc><image:title>2023-04-12_eprt-property-diversification-piechart</image:title></image:image><lastmod>2023-04-12T12:34:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/10/easy-income-strategy-utma-account-buys/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-10-utma-5-year-returns.jpg</image:loc><image:title>2023-04-10-utma-5-year-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-10-utma-income-growth.jpg</image:loc><image:title>2023-04-10-utma-income-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-10-utma-investmentbuys.jpg</image:loc><image:title>2023-04-10-utma-investmentbuys</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-10-utma-balances-growth.jpg</image:loc><image:title>2023-04-10-utma-balances-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-10-utma-transfer-cover.jpg</image:loc><image:title>2023-04-10 UTMA-Transfer-COVER</image:title><image:caption>Easy Income Strategy at work in the Six UTMA Accounts - 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There is a big difference.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-07_id-rather-have-jesus.jpg</image:loc><image:title>2023-04-07_id-rather-have-jesus</image:title></image:image><lastmod>2023-04-07T01:56:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/06/knowing-your-worth-part-1/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-06_myworthisnot-getty.jpg</image:loc><image:title>2023-04-06_myworthisnot-getty</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-06-worth-train.jpg</image:loc><image:title>Train,From,Nuwara,Eliya,To,Kandy,Among,Tea,Plantations,In</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03-worth-cover.jpg</image:loc><image:title>2023-04-03 Worth-COVER</image:title><image:caption>Do You Know Your Worth? Are you measuring the right pieces?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-06_myworth-lyrics.jpg</image:loc><image:title>2023-04-06_myworth-lyrics</image:title></image:image><lastmod>2023-04-06T02:30:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/05/easy-income-strategy-pre-rmd-roth-conversion/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-04_buildingretirementwealth.jpg</image:loc><image:title>2023-04-04_buildingretirementwealth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-focus-growth.jpg</image:loc><image:title>2023-04-05_gsl-focus-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-04_gsl-fidelityearningsdetails.jpg</image:loc><image:title>2023-04-04_gsl-fidelityearningsdetails</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-04_gsl-fidelityequitysumscore.jpg</image:loc><image:title>2023-04-04_gsl-fidelityequitysumscore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-stockrover-marketcap-micro.jpg</image:loc><image:title>2023-04-05_gsl-stockrover-marketcap-micro</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-stockrover-value-piotroskifscore.jpg</image:loc><image:title>2023-04-05_gsl-stockrover-value-piotroskifscore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-stockrover-profitability.jpg</image:loc><image:title>2023-04-05_gsl-stockrover-profitability</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-stockrover-valuation.jpg</image:loc><image:title>2023-04-05_gsl-stockrover-valuation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-05_gsl-stockrover-growth-sales-eps-ebitda.jpg</image:loc><image:title>2023-04-05_gsl-stockrover-growth-sales-eps-ebitda</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-04_gsl-transfer-step-03.jpg</image:loc><image:title>2023-04-04_gsl-transfer-step-03</image:title></image:image><lastmod>2023-04-05T21:22:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/04/03/fidelitys-cd-river-is-running-dry/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_riverbed-cover-1.jpg</image:loc><image:title>2023-04-03_Riverbed-COVER</image:title><image:caption>When the supply in the CD riverbed runs dry, what can you do?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-moneymarket-preferredetf-longtermreturns.jpg</image:loc><image:title>2023-04-03_buy-moneymarket-preferredetf-longtermreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-moneymarket-preferredetf-riskprofile.jpg</image:loc><image:title>2023-04-03_buy-moneymarket-preferredetf-riskprofile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-moneymarket-preferredetf-expenseratios.jpg</image:loc><image:title>2023-04-03_buy-moneymarket-preferredetf-expenseratios</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-moneymarket-preferredetf-yields.jpg</image:loc><image:title>2023-04-03_buy-moneymarket-preferredetf-yields</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_mysmart-core-account.jpg</image:loc><image:title>2023-04-03_mysmart-core-account</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-cd-step-04.jpg</image:loc><image:title>2023-04-03_buy-cd-step-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-cd-step-03.jpg</image:loc><image:title>2023-04-03_buy-cd-step-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-cd-step-02.jpg</image:loc><image:title>2023-04-03_buy-cd-step-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/04/2023-04-03_buy-cd-step-01-1.jpg</image:loc><image:title>2023-04-03_buy-cd-step-01-1</image:title></image:image><lastmod>2023-04-04T00:26:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/31/break-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-31-break-cover.jpg</image:loc><image:title>2023-03-31 BREAK-COVER</image:title><image:caption>Five-Minute Friday - What does "break" mean?</image:caption></image:image><lastmod>2023-04-06T21:06:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/30/easy-income-strategy-top-10-easy-income-positions/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-wayneira-dividendyrsgrowth.jpg</image:loc><image:title>2023-03-30_seekingalpha-wayneira-dividendyrsgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-wayneira-dividendconsistency.jpg</image:loc><image:title>2023-03-30_seekingalpha-wayneira-dividendconsistency</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-wayneira-byinvestmentvalue.jpg</image:loc><image:title>2023-03-30_seekingalpha-wayneira-byinvestmentvalue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-wayneira-dividendsconsecutiveyears.jpg</image:loc><image:title>2023-03-30_seekingalpha-wayneira-dividendsconsecutiveyears</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-top10-quant-divgrowthyears.jpg</image:loc><image:title>2023-03-30_seekingalpha-top10-quant-divgrowthyears</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_seekingalpha-top10-quant-divmetrics.jpg</image:loc><image:title>2023-03-30_seekingalpha-top10-quant-divmetrics</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_assetmix.jpg</image:loc><image:title>2023-03-30_assetmix</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-30_easyincomestrategy-appliances-cover.jpg</image:loc><image:title>2023-03-30_EasyIncomeStrategy-Appliances-COVER</image:title><image:caption>What are the major applicances in your Easy Income Strategy?</image:caption></image:image><lastmod>2023-03-30T15:47:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/29/easy-income-strategy-bonds-and-bond-funds/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_fiveyearquarterlyincome.jpg</image:loc><image:title>2023-03-29_fiveyearquarterlyincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_bond-10year-returns.jpg</image:loc><image:title>2023-03-29_bond-10year-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_findingfunds.jpg</image:loc><image:title>2023-03-29_findingfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_twogoodbondfunds-ffrhx_rpidx.jpg</image:loc><image:title>2023-03-29_twogoodbondfunds-ffrhx_rpidx</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_twogoodbondfunds.jpg</image:loc><image:title>2023-03-29_twogoodbondfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_bondcef-dhy_cik.jpg</image:loc><image:title>2023-03-29_bondcef-dhy_cik</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-29_findingfunds-cover.jpg</image:loc><image:title>2023-03-29_FindingFunds-COVER</image:title><image:caption>How many good bond funds can you find? Start by defining good.</image:caption></image:image><lastmod>2023-03-29T17:40:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/28/easy-income-strategy-saratoga-investment-corp/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-seekingalpha-summary-ratings.jpg</image:loc><image:title>2023-03-28_sar-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-seekingalpha-dividendhistory-graph.jpg</image:loc><image:title>2023-03-28_sar-seekingalpha-dividendhistory-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-weissratings-c.jpg</image:loc><image:title>2023-03-28_sar-weissratings-c</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-seekingalpha-compare_sar_cswc_main_gain_cgbd_arcc.jpg</image:loc><image:title>2023-03-28_sar-seekingalpha-compare_sar_cswc_main_gain_cgbd_arcc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-winquist-holdings_sar_cswc_main_gain_cgbd_arcc.jpg</image:loc><image:title>2023-03-28_sar-winquist-holdings_sar_cswc_main_gain_cgbd_arcc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-waynes-eis-summary.jpg</image:loc><image:title>2023-03-28_sar-waynes-eis-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-28_sar-cover.jpg</image:loc><image:title>2023-03-28_SAR-COVER</image:title><image:caption>Easy Income Strategy - Saratoga Investment Corp and some of their investments</image:caption></image:image><lastmod>2023-03-28T11:42:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/27/easy-income-strategy-carlyle-secured-lending/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-stockrover-summary-cautions.jpg</image:loc><image:title>2023-03-27_cgbd-stockrover-summary-cautions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-stockrover-totalreturngraph-2017-2022.jpg</image:loc><image:title>2023-03-27_cgbd-stockrover-totalreturngraph-2017-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-stockrover-dividendgraph-2017-2022.jpg</image:loc><image:title>2023-03-27_cgbd-stockrover-dividendgraph-2017-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-seekingalpha-summary-ratings.jpg</image:loc><image:title>2023-03-27_cgbd-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-seekingalpha-divincreaseannouncement-3percent.jpg</image:loc><image:title>2023-03-27_cgbd-seekingalpha-divincreaseannouncement-3percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-quarterlyincomestatement-2022.jpg</image:loc><image:title>2023-03-27_cgbd-quarterlyincomestatement-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-waynes-eis-scores.jpg</image:loc><image:title>2023-03-27_cgbd-waynes-eis-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-27_cgbd-cover.jpg</image:loc><image:title>2023-03-27_CGBD-COVER</image:title><image:caption>Easy Income Strategy - Carlyle Secured Lending is a Business Development Company</image:caption></image:image><lastmod>2023-03-27T12:39:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/24/follow-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-24_2021-11-25-violet-noelle-mia-follow.jpg</image:loc><image:title>2023-03-24_2021-11-25-violet-noelle-mia-follow</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-24_psalm-23-shepherd.jpg</image:loc><image:title>2023-03-24_psalm-23-shepherd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-24_follow-cover.jpg</image:loc><image:title>2023-03-24_Follow-COVER</image:title><image:caption>Who and what you follow creates two types of followers. Psalm 23</image:caption></image:image><lastmod>2023-03-27T21:45:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/22/easy-income-strategy-which-etf-is-the-best-brew/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_stockrover-calyrdivpayments-2014-2022_dgro.jpg</image:loc><image:title>2023-03-21_stockrover-calyrdivpayments-2014-2022_dgro</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_stockrover-calyrdivpayments-2011-2022_schd.jpg</image:loc><image:title>2023-03-21_stockrover-calyrdivpayments-2011-2022_schd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_stockrover-calyrdivpayments-2007-2022_vym.jpg</image:loc><image:title>2023-03-21_stockrover-calyrdivpayments-2007-2022_vym</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_stockrover-calyrdivpayments-2016-2022_fdvv.jpg</image:loc><image:title>2023-03-21_stockrover-calyrdivpayments-2016-2022_fdvv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_seekingalpha-10yrpricereturns-dgro_fdvv_vym_schd.jpg</image:loc><image:title>2023-03-21_seekingalpha-10yrpricereturns-dgro_fdvv_vym_schd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_seekingalpha-5yrpricereturns-dgro_fdvv_vym_schd.jpg</image:loc><image:title>2023-03-21_seekingalpha-5yrpricereturns-dgro_fdvv_vym_schd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_compare-dgro_fdvv_vym_schd-results-ratios.jpg</image:loc><image:title>2023-03-21_compare-dgro_fdvv_vym_schd-results-ratios</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_weiss-compare-dgro_fdvv_vym_schd.jpg</image:loc><image:title>2023-03-21_weiss-compare-dgro_fdvv_vym_schd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_compare-dgro_fdvv_vym_schd-grades-rankings.jpg</image:loc><image:title>2023-03-21_compare-dgro_fdvv_vym_schd-grades-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-21_compare-dgro_fdvv_vym_schd-cover.jpg</image:loc><image:title>2023-03-21_Compare-DGRO_FDVV_VYM_SCHD-COVER</image:title><image:caption>Easy Income Strategy - the best ETF is...?</image:caption></image:image><lastmod>2023-03-21T20:41:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/20/easy-income-strategy-a-bundle-of-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-stockrover-totalreturns-2007-2022.jpg</image:loc><image:title>2023-03-20_vym-stockrover-totalreturns-2007-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-stockrover-calendaryrdivpayments-2007-2022.jpg</image:loc><image:title>2023-03-20_vym-stockrover-calendaryrdivpayments-2007-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-dividendgrade.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-dividendgrade</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-holdings-sectors.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-holdings-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-toptenholdings.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-toptenholdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-compare-schd-dgro.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-compare-schd-dgro</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-dividendhistory-10year.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-dividendhistory-10year</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-seekingalpha-dividendhistory-5year.jpg</image:loc><image:title>2023-03-20_vym-seekingalpha-dividendhistory-5year</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-dividendhistory-byquarter.jpg</image:loc><image:title>2023-03-20_vym-dividendhistory-byquarter</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-20_vym-weissrating-b-.jpg</image:loc><image:title>2023-03-20_vym-weissrating-b-</image:title></image:image><lastmod>2023-03-19T21:35:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/17/index-mutual-fund-or-index-etf-investing-dangers/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_sivb-graph-ratings.jpg</image:loc><image:title>2023-03-17_sivb-graph-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_winquist-assetallocation-morerisk.jpg</image:loc><image:title>2023-03-17_winquist-assetallocation-morerisk</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_winquist-assetallocation-97percent-stocks.jpg</image:loc><image:title>2023-03-17_winquist-assetallocation-97percent-stocks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_winquist-vym-largestinvestment.jpg</image:loc><image:title>2023-03-17_winquist-vym-largestinvestment</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_winquist-portfoliohealthscores.jpg</image:loc><image:title>2023-03-17_winquist-portfoliohealthscores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_fzrox-technologypercentagetopten.jpg</image:loc><image:title>2023-03-17_fzrox-technologypercentagetopten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_sp500-technologypercentagetopten.jpg</image:loc><image:title>2023-03-17_sp500-technologypercentagetopten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-17_mf-etf-index-cover.jpg</image:loc><image:title>2023-03-17_MF-ETF-INDEX-COVER</image:title><image:caption>Are you overweight? Think investing, not the bathroom scale.</image:caption></image:image><lastmod>2023-03-16T21:24:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/16/easy-income-strategy-getty-can-fill-er-up/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-fidelity-equitysummaryscore.jpg</image:loc><image:title>2023-03-16_gty-fidelity-equitysummaryscore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-stockrover-summaryinsights-scores.jpg</image:loc><image:title>2023-03-16_gty-stockrover-summaryinsights-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-seekingalpha-ratings-rankings.jpg</image:loc><image:title>2023-03-16_gty-seekingalpha-ratings-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-waynes-eis-scorecard.jpg</image:loc><image:title>2023-03-16_gty-waynes-eis-scorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-stockrover-returns-2007-2022.jpg</image:loc><image:title>2023-03-16_gty-stockrover-returns-2007-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-stockrover-dividend-calendaryr-payments.jpg</image:loc><image:title>2023-03-16_gty-stockrover-dividend-calendaryr-payments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-fill-er-up-cover.jpg</image:loc><image:title>2023-03-16_GTY-Fill-er-up-COVER</image:title><image:caption>Getty Realty is a good place to fill up with Dividends</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-16_gty-diversification.jpg</image:loc><image:title>2023-03-16_gty-diversification</image:title></image:image><lastmod>2023-03-16T02:07:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/15/the-easy-income-strategy-home-depot-can-help/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-stockrover-totalreturns-2007-2022.jpg</image:loc><image:title>2023-03-15_hd-stockrover-totalreturns-2007-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-stockrover-dividends-by-calendaryr.jpg</image:loc><image:title>2023-03-15_hd-stockrover-dividends-by-calendaryr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-stockrover-scores.jpg</image:loc><image:title>2023-03-15_hd-stockrover-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-weissratingsstockinvestrating.jpg</image:loc><image:title>2023-03-15_hd-weissratingsstockinvestrating</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-fidelityequitysummaryscore.jpg</image:loc><image:title>2023-03-15_hd-fidelityequitysummaryscore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-dividendincreased-10-percent.jpg</image:loc><image:title>2023-03-15_hd-dividendincreased-10-percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-etf-com-topfunds.jpg</image:loc><image:title>2023-03-15_hd-etf-com-topfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-seekingalpha-summary-ratings.jpg</image:loc><image:title>2023-03-15_hd-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-waynesscore-eis.jpg</image:loc><image:title>2023-03-15_hd-waynesscore-eis</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-15_hd-toilet.jpg</image:loc><image:title>Plumber,Repairing,Toilet,Cistern,At,Water,Closet,,Closeup</image:title></image:image><lastmod>2023-03-15T14:38:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/13/in-a-panic-of-chrematophobia-i-buy-more-shares/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-13_sivb-siliconvalleybank.jpg</image:loc><image:title>2023-03-13_sivb-siliconvalleybank</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-13_phobia-chrematophobia-cover.jpg</image:loc><image:title>2023-03-13_Phobia-Chrematophobia-COVER</image:title><image:caption>Chrematophobia is the fear of money.</image:caption></image:image><lastmod>2023-03-13T23:03:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/10/choose-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2020-06-13-cindie-garden-choose.jpg</image:loc><image:title>2020-06-13 Cindie-Garden-CHOOSE</image:title><image:caption>Five-Minute Friday Post: CHOOSE</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2020-06-13-wayne-and-cindie-choose.jpg</image:loc><image:title>2020-06-13-wayne-and-cindie-choose</image:title></image:image><lastmod>2023-03-10T13:33:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/08/easy-income-strategy-eating-cake/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-10-year-graph.jpg</image:loc><image:title>2023-03-08_tslx-10-year-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-eis-returns.jpg</image:loc><image:title>2023-03-08_tslx-eis-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-eis-dividends.jpg</image:loc><image:title>2023-03-08_tslx-eis-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-dividendincrease-2percent.jpg</image:loc><image:title>2023-03-08_tslx-dividendincrease-2percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-bookvalueplusdividends.jpg</image:loc><image:title>2023-03-08_tslx-bookvalueplusdividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-portfoliodiversification.jpg</image:loc><image:title>2023-03-08_tslx-portfoliodiversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-representativethemes-logos.jpg</image:loc><image:title>2023-03-08_tslx-representativethemes-logos</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-borrowerdiversification.jpg</image:loc><image:title>2023-03-08_tslx-borrowerdiversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-eis-wayne-ratings.jpg</image:loc><image:title>2023-03-08_tslx-eis-wayne-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-08_tslx-eis-all-ratings.jpg</image:loc><image:title>2023-03-08_tslx-eis-all-ratings</image:title></image:image><lastmod>2023-03-08T11:19:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/07/the-easy-income-strategy-insurance-that-pays/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-dividends.jpg</image:loc><image:title>2023-03-07_mfc-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-summary-eis.jpg</image:loc><image:title>2023-03-07_mfc-summary-eis</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-scores.jpg</image:loc><image:title>2023-03-07_mfc-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-10-year-graph.jpg</image:loc><image:title>2023-03-07_mfc-10-year-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-dividendincrease-11percent.jpg</image:loc><image:title>2023-03-07_mfc-dividendincrease-11percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-profile.jpg</image:loc><image:title>2023-03-07_mfc-profile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-07_mfc-cover.jpg</image:loc><image:title>2023-03-07_MFC-COVER</image:title><image:caption>Wayne's Easy Income Strategy - Insurance That Pays Us</image:caption></image:image><lastmod>2023-03-07T13:19:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/06/the-easy-income-strategy-eis-scores/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-o-ffo.jpg</image:loc><image:title>2023-03-06_eis-o-ffo</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-o-profile-profitability.jpg</image:loc><image:title>2023-03-06_eis-o-profile-profitability</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-o-dividends.jpg</image:loc><image:title>2023-03-06_eis-o-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-o-scores.jpg</image:loc><image:title>2023-03-06_eis-o-scores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-waynesscores.jpg</image:loc><image:title>2023-03-06_eis-waynesscores</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-06_eis-easyincomestrategy-o-cover.jpg</image:loc><image:title>2023-03-06_EIS-EasyIncomeStrategy-O-COVER</image:title><image:caption>Wayne's Easy Income Strategy - Retirement Income Growth from Realty Income "The Monthly Dividend Company"</image:caption></image:image><lastmod>2023-03-06T12:37:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/03/reach-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-03_reach-goals.jpg</image:loc><image:title>2023-03-03_reach-goals</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-03_reach-fmf.jpg</image:loc><image:title>2023-03-03_reach-fmf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-03_reach-together.jpg</image:loc><image:title>2023-03-03_reach-together</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-03_reach-emptygoals.jpg</image:loc><image:title>2023-03-03_reach-emptygoals</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-03_reach-ephesians4_10-16.jpg</image:loc><image:title>2023-03-03_reach-ephesians4_10-16</image:title></image:image><lastmod>2023-03-12T23:01:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/03/01/retirement-target-date-investment-strategy-change/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-01-dandelionstages-cover.jpg</image:loc><image:title>2023-03-01-dandelionstages-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-01-targetdate-longtermview.jpg</image:loc><image:title>2023-03-01-targetdate-longtermview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/03/2023-03-01-targetdate-dandelionstages-cover.jpg</image:loc><image:title>2023-03-01-TargetDate-DandelionStages-COVER</image:title><image:caption>When will you change your investing strategy? Why will you change it?</image:caption></image:image><lastmod>2023-03-01T12:53:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/28/the-target-date-fund-is-costly-so-count-the-costs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-risks2.jpg</image:loc><image:title>2023-02-28_blackrock-2040-risks2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-risks.jpg</image:loc><image:title>2023-02-28_blackrock-2040-risks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-fundoverview.jpg</image:loc><image:title>2023-02-28_blackrock-2040-fundoverview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-fundfeesexpenses-02.jpg</image:loc><image:title>2023-02-28_blackrock-2040-fundfeesexpenses-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-fundfeesexpenses-01.jpg</image:loc><image:title>2023-02-28_blackrock-2040-fundfeesexpenses-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_prospectusdefinition-investopedia.jpg</image:loc><image:title>2023-02-28_prospectusdefinition-investopedia</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-28_blackrock-2040-rust-cover.jpg</image:loc><image:title>2023-02-28_Blackrock-2040-RUST-COVER</image:title><image:caption>Target Dates are rusty investments. Costs are like rust.</image:caption></image:image><lastmod>2023-02-28T14:37:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/27/do-you-see-a-year-in-the-fund-name/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-27_fidelityinvestorcommunity.jpg</image:loc><image:title>2023-02-27_fidelityinvestorcommunity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-25_lifepathindex-2040-fund-graph.jpg</image:loc><image:title>2023-02-25_lifepathindex-2040-fund-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-25_lifepathindex-2040-fund-table.jpg</image:loc><image:title>2023-02-25_lifepathindex-2040-fund-table</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-25_fiofx.jpg</image:loc><image:title>2023-02-25_fiofx</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-25_likpx.jpg</image:loc><image:title>2023-02-25_likpx</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-27_targetdateretirementfund-logic.jpg</image:loc><image:title>2023-02-27_targetdateretirementfund-logic</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-27_targetdateretirementfunds.jpg</image:loc><image:title>2023-02-27_targetdateretirementfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-27_targetdateretirementfund-bubblewrappig.jpg</image:loc><image:title>2023-02-27_targetdateretirementfund-bubblewrappig</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-27_targetdateretirementfund-cover.jpg</image:loc><image:title>2023-02-27_TargetDateRetirementFund-COVER</image:title><image:caption>The Year in the Fund Name is a warning signal. Don't miss the warning.</image:caption></image:image><lastmod>2023-02-27T15:17:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/26/consider-gods-love/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-26_theloveofgod.jpg</image:loc><image:title>2023-02-26_theloveofgod</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-26_considergodslove-cover.jpg</image:loc><image:title>2023-02-26_ConsiderGodsLove-COVER</image:title><image:caption>Consider God's Love and then Act</image:caption></image:image><lastmod>2023-02-26T11:21:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/24/assume-five-minute-friday-or-is-it-presume/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-24_1john4-1.jpg</image:loc><image:title>2023-02-24_1john4-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-24_mitchhedberg-shave-assume.jpg</image:loc><image:title>2023-02-24_mitchhedberg-shave-assume</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-24-assume-cover.jpg</image:loc><image:title>2023-02-24 ASSUME-COVER</image:title><image:caption>Assumptions can be very dangerous.</image:caption></image:image><lastmod>2023-02-25T16:05:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/22/why-stocks-are-better-than-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-22_03_pennypinching.jpg</image:loc><image:title>American,Penny,Being,Pinched,With,Pair,Of,Tweezers,-,Concept</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-22_02_fasterdividendpayments.jpg</image:loc><image:title>2023-02-22_02_fasterdividendpayments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-22_01_cherrypicking.jpg</image:loc><image:title>2023-02-22_01_cherrypicking</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-22_toptenbatteries.jpg</image:loc><image:title>2023-02-22_toptenbatteries</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-22_stocksversusetfs-cover.jpg</image:loc><image:title>2023-02-22_StocksVersusETFs-COVER</image:title><image:caption>Why Stocks are Better Than ETFs and Mutual Funds. There are at least ten reasons.</image:caption></image:image><lastmod>2023-02-22T20:06:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/21/dividends-tell-you-something/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_hiddenbenefitsofdividends.jpg</image:loc><image:title>Book,With,Nested,Dollar,Banknotes,On,Wooden,Table.,Stash,Of</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_dividends-blackboard-cover.jpg</image:loc><image:title>2023-02-21_DIvidends-Blackboard-COVER</image:title><image:caption>Dividends are actions that speak louder than words.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/1999-2022-dividendgrowth-and-investingstrategy.jpg</image:loc><image:title>1999-2022-dividendgrowth-and-investingstrategy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_toptendividendpayments.jpg</image:loc><image:title>2023-02-21_toptendividendpayments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_toptenbycurrentvalue.jpg</image:loc><image:title>2023-02-21_toptenbycurrentvalue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_dividends-money-pocket.jpg</image:loc><image:title>Dollars,In,A,Jeans,Pocket,,Closeup</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-21_lockedin.jpg</image:loc><image:title>Combination,Safe,Lock</image:title></image:image><lastmod>2023-02-21T02:30:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/17/many-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-17-many-fmf-cover.jpg</image:loc><image:title>2023-02-17 Many-FMF-COVER</image:title><image:caption>How many times do I have to tell you? Hebrews 1:1-2</image:caption></image:image><lastmod>2023-02-20T17:39:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/16/what-is-behind-the-holdings-door/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-16-growthvalueblend.jpg</image:loc><image:title>2023-02-16-growthvalueblend</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-16_2011-2022-actualdividends.jpg</image:loc><image:title>2023-02-16_2011-2022-actualdividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-16-blended.jpg</image:loc><image:title>2023-02-16-blended</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-16-balanced.jpg</image:loc><image:title>2023-02-16-balanced</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-16-doorsholdings-cover.jpg</image:loc><image:title>2023-02-16 DoorsHoldings-COVER</image:title><image:caption>For ETFs and Mutual Funds, what is behind the holding's door?</image:caption></image:image><lastmod>2023-06-23T20:46:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/14/your-bank-is-a-silent-thief/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14_wbt-13-month-cd.jpg</image:loc><image:title>2023-02-14_wbt-13-month-cd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14_wbt-3-month-cd.jpg</image:loc><image:title>2023-02-14_wbt-3-month-cd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14_fidelity-cds-rates.jpg</image:loc><image:title>2023-02-14_fidelity-cds-rates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14_wbt-signatureinterestchecking.jpg</image:loc><image:title>2023-02-14_wbt-signatureinterestchecking</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14_ally-boa-chase-wellsfargo-savings.jpg</image:loc><image:title>2023-02-14_ally-boa-chase-wellsfargo-savings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-14-bank-cover.jpg</image:loc><image:title>2023-02-14 Bank-COVER</image:title><image:caption>Your Bank is Ripping You Off</image:caption></image:image><lastmod>2023-02-14T23:40:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/13/waynes-buys-and-whys-ytd-2023/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_ytd-buys-seekingalphaquant-rating.jpg</image:loc><image:title>2023-02-11_ytd-buys-seekingalphaquant-rating</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_ytd-buys-seekingalphadividends.jpg</image:loc><image:title>2023-02-11_ytd-buys-seekingalphadividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_pnnt-glw-wallstreetdividendchanges.jpg</image:loc><image:title>2023-02-11_pnnt-glw-wallstreetdividendchanges</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_pnnt-seekingalpha-earningspershare.jpg</image:loc><image:title>2023-02-11_pnnt-seekingalpha-earningspershare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_pnnt-seekingalpha-dividendhistory.jpg</image:loc><image:title>2023-02-11_pnnt-seekingalpha-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_pnnt-seekingalpha-summary-ratings.jpg</image:loc><image:title>2023-02-11_pnnt-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11_ytd-buys-assignedputs.jpg</image:loc><image:title>2023-02-11_ytd-buys-assignedputs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-13_whybuys-cover.jpg</image:loc><image:title>2023-02-13_WhyBuys-COVER</image:title><image:caption>2023 YTD Stock and ETF Buys - Why did Wayne Buy?</image:caption></image:image><lastmod>2023-03-31T16:25:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/11/access-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11-access-button.jpg</image:loc><image:title>2023-02-11-access-button</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11-jesus-access-keypad.jpg</image:loc><image:title>2023-02-11-jesus-access-keypad</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-11-jesus-access-keypad-green-cover.jpg</image:loc><image:title>2023-02-11 JESUS-Access-Keypad-Green-COVER</image:title><image:caption>Thomas asked a question every man, woman, and child should ask. He got the answer. John 14:5-6</image:caption></image:image><lastmod>2023-02-13T10:53:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/10/mr-markets-split-and-erratic-personality/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_nathanwinklepleck-complicatethings.jpg</image:loc><image:title>2023-02-10_nathanwinklepleck-complicatethings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_nathanwinklepleck-mrmarket.jpg</image:loc><image:title>2023-02-10_nathanwinklepleck-mrmarket</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_nathanwinklepleck-mrmarket-whoishe.jpg</image:loc><image:title>2023-02-10_nathanwinklepleck-mrmarket-whoishe</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_aaii-figure1-annualreturnsbyassetclass.jpg</image:loc><image:title>2023-02-10_aaii-figure1-annualreturnsbyassetclass</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_aaii-table1-performanceofindexbenchmarks.jpg</image:loc><image:title>2023-02-10_aaii-table1-performanceofindexbenchmarks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_aaii-table3-performanceof50largestetfs.jpg</image:loc><image:title>2023-02-10_aaii-table3-performanceof50largestetfs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-10_mrmarket-manicemotional.jpg</image:loc><image:title>2023-02-10_MrMarket-ManicEmotional</image:title><image:caption>The Stock Market has a split and erratic personality. Don't fall for his emotional highs and lows.</image:caption></image:image><lastmod>2023-02-10T02:21:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/09/simple-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-09_keepitsimple-cover.jpg</image:loc><image:title>2023-02-09_KeepItSimple-COVER</image:title><image:caption>If you make investing hard it will be expensive. Keep it Simple.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-09_keepitsimple-cover1.jpg</image:loc><image:title>2023-02-09_keepitsimple-cover1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-09_hmk-lhsp-threebigproblems.jpg</image:loc><image:title>2023-02-09_hmk-lhsp-threebigproblems</image:title></image:image><lastmod>2023-02-09T16:28:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/03/ignore-jesus-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-03-ignore-transformingdiscipleship-ogden-page-47-48.jpg</image:loc><image:title>2023-02-03-ignore-transformingdiscipleship-ogden-page-47-48</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-03-ignore-transformingdiscipleship-ogden-page-41-42.jpg</image:loc><image:title>2023-02-03-ignore-transformingdiscipleship-ogden-page-41-42</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-03-fmf-ignore-insurancepolicy.jpg</image:loc><image:title>2023-02-03-fmf-ignore-insurancepolicy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-03-fmf-ignore-fireescapejesus.jpg</image:loc><image:title>2023-02-03-fmf-ignore-fireescapejesus</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/discipleship-book-transforming-discipleship-cover.jpg</image:loc><image:title>discipleship-book-transforming-discipleship-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-03-fmf-ignore-cover.jpg</image:loc><image:title>2023-02-03 FMF-IGNORE-COVER</image:title><image:caption>Five-Minute Friday - Ignoring Jesus Discipleship?</image:caption></image:image><lastmod>2023-02-05T20:06:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/02/02/2023-goal-setting-goal-number-5/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-02-incometaxes-cover.jpg</image:loc><image:title>2023-02-02 IncomeTaxes-COVER</image:title><image:caption>2023 Goal Number 5 is a Tax Planning Goal</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/02/2023-02-02_goal-5-taxplanning-vym.jpg</image:loc><image:title>2023-02-02_goal-5-taxplanning-vym</image:title></image:image><lastmod>2023-02-02T14:02:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/29/favorite-things-and-favorite-people/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-29_favorites-rhubarbpie.jpg</image:loc><image:title>2023-01-29_favorites-rhubarbpie</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-29_favorites-cover.jpg</image:loc><image:title>2023-01-29_Favorites-COVER</image:title><image:caption>My Favorites includes dark chocolate.</image:caption></image:image><lastmod>2023-01-30T18:10:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/25/thinking-like-an-investor-includes/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-18_electricvehiclesales-2018-2022.jpg</image:loc><image:title>2023-01-18_electricvehiclesales-2018-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25_tsla_f_gm_tm_hmc-names.jpg</image:loc><image:title>2023-01-25_tsla_f_gm_tm_hmc-names</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20_tsla-musksellsshares.jpg</image:loc><image:title>2023-01-20_tsla-musksellsshares</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-16_median-2022-us-income.jpg</image:loc><image:title>2023-01-16_median-2022-us-income</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25_stockrover-compare-tsla_f_gm_tm_hmc-valuescore.jpg</image:loc><image:title>2023-01-25_stockrover-compare-tsla_f_gm_tm_hmc-valuescore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25_stockrover-compare-tsla_f_gm_tm_hmc-growthscore.jpg</image:loc><image:title>2023-01-25_stockrover-compare-tsla_f_gm_tm_hmc-growthscore</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25_seekingalpha-compare-tsla_f_gm_tm_hmc.jpg</image:loc><image:title>2023-01-25_seekingalpha-compare-tsla_f_gm_tm_hmc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25_fidelity-compare-tsla_f_gm_tm_hmc.jpg</image:loc><image:title>2023-01-25_fidelity-compare-tsla_f_gm_tm_hmc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-25-autos-mfg-cover.jpg</image:loc><image:title>2023-01-25 AUTOS-MFG-COVER</image:title><image:caption>Thinking Like an Investor - How do you think?</image:caption></image:image><lastmod>2023-01-29T08:55:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/28/fake-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-27_fake-synonyms.jpg</image:loc><image:title>2023-01-27_fake-synonyms</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28-fake-smile.jpg</image:loc><image:title>2023-01-28-fake-smile</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28-fake-eyelashes.jpg</image:loc><image:title>2023-01-28-fake-eyelashes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28-fake-money.jpg</image:loc><image:title>2023-01-28-fake-money</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28-fake-grass.jpg</image:loc><image:title>2023-01-28-fake-grass</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28_fake-realdisciples-john-13-35_15-8.jpg</image:loc><image:title>2023-01-28_fake-realdisciples-john-13-35_15-8</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-28-fake-pharmaceuticals-cover.jpg</image:loc><image:title>2023-01-28 FAKE-pharmaceuticals-COVER</image:title><image:caption>Fakes can be harmless or they can lead to death. In German, Fälschung is “fake: a worthless imitation (especially intended to deceive); it is a forgery.”</image:caption></image:image><lastmod>2023-01-30T10:47:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/26/trusting-god-for-what-is-best/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-26_mattwinquist-sanctificationofthesaved2.jpg</image:loc><image:title>2023-01-26_mattwinquist-sanctificationofthesaved2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-26_mattwinquist-thesovereigntyofgod.jpg</image:loc><image:title>2023-01-26_mattwinquist-thesovereigntyofgod</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-26_mattwinquist-sanctificationofthesaved.jpg</image:loc><image:title>2023-01-26_mattwinquist-sanctificationofthesaved</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-26_mattwinquist-afalsesenseofsecurity.jpg</image:loc><image:title>2023-01-26_mattwinquist-afalsesenseofsecurity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-26_wildwoodchurch-mattkellywinquist.jpg</image:loc><image:title>2023-01-26_wildwoodchurch-mattkellywinquist</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2005-05-17-dts-graduation-matt-cindie-wayne-claude.jpg</image:loc><image:title>2005-05-17-dts-graduation-matt-cindie-wayne-claude</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2005-05-17-dts-graduation-matt-kellycindie-wayne.jpg</image:loc><image:title>2005-05-17-dts-graduation-matt-kellycindie-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2005-05-17-dts-graduation-matt-cindie-wayne-claude-mom-kelly.jpg</image:loc><image:title>2005-05-17-dts-graduation-matt-cindie-wayne-claude-mom-kelly</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2005-05-17-dts-graduation-matt-cindie-wayne.jpg</image:loc><image:title>2005-05-17-dts-graduation-matt-cindie-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2005-05-17-dts-graduation-matt-kellycindie-wayne-cover.jpg</image:loc><image:title>2005-05-17 DTS-Graduation-Matt-KellyCindie-Wayne-COVER</image:title><image:caption>Trusting God for What is Best - Cindie, Kelly, Matthew and Wayne at DTS in 2005</image:caption></image:image><lastmod>2023-01-26T22:03:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/24/options-trading-a-recipe-book-with-ingredients-part-16/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-buytocloseput-05.jpg</image:loc><image:title>2023-01-23_sqm-atp-buytocloseput-05</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-buytocloseput-1-2-3-04.jpg</image:loc><image:title>2023-01-23_sqm-atp-buytocloseput-1-2-3-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-putprobability-1-2-03.jpg</image:loc><image:title>2023-01-23_sqm-atp-putprobability-1-2-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-putexpirationdate-1-02.jpg</image:loc><image:title>2023-01-23_sqm-atp-putexpirationdate-1-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-monthly-1-2-3-01.jpg</image:loc><image:title>2023-01-23_sqm-atp-monthly-1-2-3-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23_sqm-atp-research-1-2-3-01.jpg</image:loc><image:title>2023-01-23_sqm-atp-research-1-2-3-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-24-sqm-cover.jpg</image:loc><image:title>2023-01-24 SQM-COVER</image:title><image:caption>Options Trading Weekly or Monthly Options Put Option Strategy</image:caption></image:image><lastmod>2023-01-24T12:15:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/22/some-assembly-required/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-22-legocar.jpg</image:loc><image:title>2023-01-22-legocar</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-22-memorialbaptistchurch.jpg</image:loc><image:title>2023-01-22-memorialbaptistchurch</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-22-hbcharles-family.jpg</image:loc><image:title>2023-01-22-hbcharles-family</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20-georgeschultz-pieassembler.jpg</image:loc><image:title>2023-01-20-georgeschultz-pieassembler</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-22-assembly-cover.jpg</image:loc><image:title>2023-01-22 Assembly-COVER</image:title><image:caption>Some Assembly is Required</image:caption></image:image><lastmod>2023-01-22T13:23:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/23/options-trading-a-recipe-book-with-ingredients-part-15/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23-options-assigned-details-6positions.jpg</image:loc><image:title>2023-01-23-options-assigned-details-6positions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23-options-expired-details-16positions.jpg</image:loc><image:title>2023-01-23-options-expired-details-16positions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23-options-expired-assigned-friday.jpg</image:loc><image:title>2023-01-23-options-expired-assigned-friday</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-23-options-expired-assigned-cover.jpg</image:loc><image:title>2023-01-23 Options-Expired-Assigned-COVER</image:title><image:caption>Options either expire or they are assigned.</image:caption></image:image><lastmod>2023-01-22T12:08:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/20/doubt-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20-doubt-fmf-cover.jpg</image:loc><image:title>2023-01-20 DOUBT-FMF-COVER</image:title><image:caption>FUD Ahead but only if you accept the lies.</image:caption></image:image><lastmod>2023-01-21T01:47:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/20/thinking-like-an-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20_thinkinglikeaninvestor-proverbs27flocks.jpg</image:loc><image:title>2023-01-20_ThinkingLikeAnInvestor-Proverbs27Flocks</image:title><image:caption>How do investors think?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20-thinklikeowner-sunny.jpg</image:loc><image:title>2023-01-20-thinklikeowner-sunny</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20-thinklikeowner-blizzard.jpg</image:loc><image:title>2023-01-20-thinklikeowner-blizzard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-18_2011-2022-dividendgrowthpercentages.jpg</image:loc><image:title>2023-01-18_2011-2022-dividendgrowthpercentages</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-18_2011-2022-dividendgrowthdollars.jpg</image:loc><image:title>2023-01-18_2011-2022-dividendgrowthdollars</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-20-ruleof72.jpg</image:loc><image:title>2023-01-20-ruleof72</image:title></image:image><lastmod>2023-01-20T02:03:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/19/options-trading-a-recipe-book-with-ingredients-part-14/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-optionsinstitute.jpg</image:loc><image:title>2023-01-19_weekly-options-optionsinstitute</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-cboe-downloads.jpg</image:loc><image:title>2023-01-19_weekly-options-cboe-downloads</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-candidates-in-portfolio.jpg</image:loc><image:title>2023-01-19_weekly-options-candidates-in-portfolio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-02.jpg</image:loc><image:title>2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-01.jpg</image:loc><image:title>2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-03.jpg</image:loc><image:title>2023-01-19_weekly-options-topsix-abbv-avgo-etc-sa-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-19_weekly-options-candidates-beginners.jpg</image:loc><image:title>2023-01-19_weekly-options-candidates-beginners</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/master-cover-slide-recipe-options-trading-part-14.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-14</image:title><image:caption>Part 14 Powerful Weekly Options for Beginners</image:caption></image:image><lastmod>2023-01-19T13:19:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/17/2023-goal-setting-goal-number-4/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-17-2023-goals-4-options-cover.jpg</image:loc><image:title>2023-01-17 2023-Goals-4-Options-COVER</image:title><image:caption>2023 Goal number 4 is a change in options trading focus</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-17-2023-wheeloptionstrading.jpg</image:loc><image:title>2023-01-17-2023-wheeloptionstrading</image:title></image:image><lastmod>2023-01-18T01:59:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/14/options-trading-a-recipe-book-with-ingredients-part-13/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-openposition.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-openposition</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-changedpreview.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-changedpreview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-orderchanged.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-orderchanged</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-orderpreview.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-orderpreview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-cashcovered-1.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-cashcovered-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-research-earningsdate.jpg</image:loc><image:title>2023-01-14_hpq-atp-research-earningsdate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-seekingalpha-dividendhistoryratings.jpg</image:loc><image:title>2023-01-14_hpq-seekingalpha-dividendhistoryratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-sell-put-order-27-jan-20-cashcovered.jpg</image:loc><image:title>2023-01-14_hpq-atp-sell-put-order-27-jan-20-cashcovered</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-14_hpq-atp-support-price-40-days.jpg</image:loc><image:title>2023-01-14_hpq-atp-support-price-40-days</image:title></image:image><lastmod>2023-01-14T02:43:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/13/receive-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-13_fmf-receive-synonyms.jpg</image:loc><image:title>2023-01-13_fmf-receive-synonyms</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-13_fmf-receive-cover.jpg</image:loc><image:title>2023-01-13_FMF-RECEIVE-COVER</image:title><image:caption>Five-Minute Friday - Are you ready to receive? James 1:19-21</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-13_fmf-receive-davidmathis-slowdown.jpg</image:loc><image:title>2023-01-13_fmf-receive-davidmathis-slowdown</image:title></image:image><lastmod>2023-01-16T01:47:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/12/options-trading-a-recipe-book-with-ingredients-part-12/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-06.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-06</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-05.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-05</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-04.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-02-preview.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-02-preview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-02.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-01-preview.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-01-preview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-01.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-roll-cashcoveredput-example-research.jpg</image:loc><image:title>2023-01-12_sqm-roll-cashcoveredput-example-research</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-12_sqm-dividends.jpg</image:loc><image:title>2023-01-12_sqm-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/master-cover-slide-recipe-options-trading-part-12.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-12</image:title><image:caption>Part 12 Options Trading Using Cash Covered Puts</image:caption></image:image><lastmod>2023-01-12T03:00:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/11/2023-goal-setting-goal-number-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_mostcommon-new_years_resolutions.png</image:loc><image:title>2023-01-11_mostcommon-new_years_resolutions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_popularnewyear-resolutions.jpg</image:loc><image:title>2023-01-11_popularnewyear-resolutions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_mattbradner-campusoutreach-bio.jpg</image:loc><image:title>2023-01-11_mattbradner-campusoutreach-bio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_2022-topresolutions.jpg</image:loc><image:title>2023-01-11_2022-topresolutions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_2020-topresolutions.jpg</image:loc><image:title>2023-01-11_2020-topresolutions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_2019-topresolutions.jpg</image:loc><image:title>2023-01-11_2019-topresolutions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-11_charitablegiving-goal-3-cover.jpg</image:loc><image:title>2023-01-11_CharitableGiving-Goal-3-COVER</image:title><image:caption>2023 Charitable Giving 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10 - How to Roll an Expiring Covered Call option for profit</image:caption></image:image><lastmod>2023-01-07T02:07:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/06/options-trading-a-recipe-book-with-ingredients-part-9/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-06_msft-coveredcall-lots-fifo-lifo-commissions-fees.jpg</image:loc><image:title>2023-01-06_msft-coveredcall-lots-fifo-lifo-commissions-fees</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-06_tradeconfirmation-fifo-lifo.jpg</image:loc><image:title>2023-01-06_tradeconfirmation-fifo-lifo</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-06_wayne-coveredcall-lots-fifo-lifo-commissions-fees.jpg</image:loc><image:title>2023-01-06_wayne-coveredcall-lots-fifo-lifo-commissions-fees</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/master-cover-slide-recipe-options-trading-part-9.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-9</image:title><image:caption>Part 9 of Options Trading: Lots Fees and Commissions</image:caption></image:image><lastmod>2023-01-06T17:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/05/options-trading-a-recipe-book-with-ingredients-part-8/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-fidelityresearch1-optionschain-abcd-1-2-3-4-5.jpg</image:loc><image:title>2023-01-05_msft-fidelityresearch1-optionschain-abcd-1-2-3-4-5</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-fidelityresearch1-optionschain-1-2-3.jpg</image:loc><image:title>2023-01-05_msft-fidelityresearch1-optionschain-1-2-3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-seekingalpha-calls-1-2-3-4-5-jan13-240.jpg</image:loc><image:title>2023-01-05_msft-seekingalpha-calls-1-2-3-4-5-jan13-240</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-atp4-coveredcall-1-2-bid-ask.jpg</image:loc><image:title>2023-01-05_msft-atp4-coveredcall-1-2-bid-ask</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-atp3-coveredcall-1-2-3-expiredates.jpg</image:loc><image:title>2023-01-05_msft-atp3-coveredcall-1-2-3-expiredates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-atp2-coveredcall-229-240-weekly.jpg</image:loc><image:title>2023-01-05_msft-atp2-coveredcall-229-240-weekly</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-05_msft-atp-research-1-2-3.jpg</image:loc><image:title>2023-01-05_msft-atp-research-1-2-3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/master-cover-slide-recipe-options-trading-part-8.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-8</image:title><image:caption>Options Trading Part 8 - A Simple Covered Call Trade</image:caption></image:image><lastmod>2023-10-08T20:40:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/04/options-trading-a-recipe-book-with-ingredients-part-7/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-dividendsreceived-2021-2022.jpg</image:loc><image:title>2023-01-04_avgo-dividendsreceived-2021-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-share-buys-coveredcalls.jpg</image:loc><image:title>2023-01-04_avgo-share-buys-coveredcalls</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-share-buys.jpg</image:loc><image:title>2023-01-04_avgo-share-buys</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-atp-costbasis-200unpairedshares-cc-100.jpg</image:loc><image:title>2023-01-04_avgo-atp-costbasis-200unpairedshares-cc-100</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-atp-costbasis-200unmatched-cc-100.jpg</image:loc><image:title>2023-01-04_avgo-atp-costbasis-200unmatched-cc-100</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-dividends-options-capgains-total.jpg</image:loc><image:title>2023-01-04_avgo-dividends-options-capgains-total</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/master-cover-slide-recipe-options-trading-part-7.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-7</image:title><image:caption>Part 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Ingredients</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-04_avgo-dividend-history-seekingalpha.jpg</image:loc><image:title>2023-01-04_avgo-dividend-history-seekingalpha</image:title></image:image><lastmod>2023-01-05T03:45:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2023/01/03/2023-goal-setting-goal-number-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2022-dividend-incomestretchgoal-2023.jpg</image:loc><image:title>2022-dividend-incomestretchgoal-2023</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2022-dividend-incomesummary-2021-2022.jpg</image:loc><image:title>2022-dividend-incomesummary-2021-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2023/01/2023-01-03-2023-goals-number-02-cover.jpg</image:loc><image:title>2023-01-03 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and Cindie Winquist 1951-2022</image:caption></image:image><lastmod>2023-01-02T15:19:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/31/2023-national-quitters-day/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-31-dontquit.jpg</image:loc><image:title>2022-12-31-dontquit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-31_aaii_prism-academy-the9percent.jpg</image:loc><image:title>2022-12-31_aaii_prism-academy-the9percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-31-dontquit-towel.jpg</image:loc><image:title>2022-12-31 DontQuit-Towel</image:title><image:caption>National Quitter's Day for 2023</image:caption></image:image><lastmod>2023-01-01T04:06:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/30/options-trading-a-recipe-book-with-ingredients-part-6/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-january-allocation-takeprofitsnow-lightenup.jpg</image:loc><image:title>2022-12-30_options-january-allocation-takeprofitsnow-lightenup</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-january-dividends-exdiv-date-dividendamount.jpg</image:loc><image:title>2022-12-30_options-january-dividends-exdiv-date-dividendamount</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-january-dividends-annualincome.jpg</image:loc><image:title>2022-12-30_options-january-dividends-annualincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-january-yield-none.jpg</image:loc><image:title>2022-12-30_options-january-yield-none</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/master-cover-slide-recipe-options-trading-part-6.jpg</image:loc><image:title>Master-Cover-Slide-RECIPE-OPTIONS-TRADING-Part-6</image:title><image:caption>Options Trading Recipe - Trade Using Data not Guesswork PART 6</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-january-earnings.jpg</image:loc><image:title>2022-12-30_options-january-earnings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_options-sampleworksheet-pfe-3-examples.jpg</image:loc><image:title>2022-12-30_options-sampleworksheet-pfe-3-examples</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-30_marketwatch-optionsexpirationcalendar-2023.jpg</image:loc><image:title>2022-12-30_marketwatch-optionsexpirationcalendar-2023</image:title></image:image><lastmod>2022-12-30T02:17:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/29/2022-investing-reality-check-and-scorecard/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_asset-allocation-cover.jpg</image:loc><image:title>2022-12-29_Asset-Allocation-COVER</image:title><image:caption>How did your investments fare in 2022? How did your investment advisor's accounts fare? Are you content or disappointed?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_4bondfunds-bondfund-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_4bondfunds-bondfund-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_vym-stock-etf-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_vym-stock-etf-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_spy-stock-etf-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_spy-stock-etf-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_nasdx-stock-mutualfund-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_nasdx-stock-mutualfund-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_bnd-bondfund-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_bnd-bondfund-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_pdi-bondfund-seekingalpha-ytd.jpg</image:loc><image:title>2022-12-29_pdi-bondfund-seekingalpha-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_2022-investing-reality-check-winquist.jpg</image:loc><image:title>2022-12-29_2022-investing-reality-check-winquist</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_asset-allocation-stocks-bonds-retirement.jpg</image:loc><image:title>2022-12-29_asset-allocation-stocks-bonds-retirement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-29_consumerprices-inflation-snapshot.jpg</image:loc><image:title>2022-12-29_consumerprices-inflation-snapshot</image:title></image:image><lastmod>2022-12-29T16:12:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/28/options-trading-a-recipe-book-with-ingredients-part-5/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28-recipe-options-tradingplatforms.jpg</image:loc><image:title>2022-12-28-recipe-options-tradingplatforms</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28-recipe-options-trading-part-5.jpg</image:loc><image:title>2022-12-28-RECIPE-OPTIONS-TRADING-Part-5</image:title><image:caption>Part 5 - What about the risks and more requirements?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28_options-tradingcrashcourse-03.jpg</image:loc><image:title>2022-12-28_options-tradingcrashcourse-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28_options-tradingcrashcourse-02.jpg</image:loc><image:title>2022-12-28_options-tradingcrashcourse-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28_options-tradingcrashcourse-01.jpg</image:loc><image:title>2022-12-28_options-tradingcrashcourse-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28_threekindlebooks-options1.jpg</image:loc><image:title>2022-12-28_threekindlebooks-options1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-28_threekindlebooks-options.jpg</image:loc><image:title>2022-12-28_threekindlebooks-options</image:title></image:image><lastmod>2022-12-28T02:27:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/27/options-trading-a-recipe-book-with-ingredients-part-4/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-threereasons.jpg</image:loc><image:title>2022-12-27-threereasons</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-riding-a-tricycle.jpg</image:loc><image:title>2022-12-27-riding-a-tricycle</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-recipe-options-trading-part-4.jpg</image:loc><image:title>2022-12-27-RECIPE-OPTIONS-TRADING-Part-4</image:title><image:caption>Part 4 - Who should trade options? It isn't for everyone but just about anyone can if they are serious.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-jumpercablesurprise-1.jpg</image:loc><image:title>2022-12-27-jumpercablesurprise-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-jumpercablesurprise.jpg</image:loc><image:title>Suprised,Old,Man,With,Beard,Holding,Jumper,Cables,Surrounded,By</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27-long-term.jpg</image:loc><image:title>2022-12-27-long-term</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27_fidelity-acct-features-brokerage-trading-options2.jpg</image:loc><image:title>2022-12-27_fidelity-acct-features-brokerage-trading-options2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-27_fidelity-acct-features-brokerage-trading-options.jpg</image:loc><image:title>2022-12-27_fidelity-acct-features-brokerage-trading-options</image:title></image:image><lastmod>2022-12-27T01:15:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/24/qdiv-a-bird-in-the-hand-etf/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_qdiv_seekingalpha-top-ten.jpg</image:loc><image:title>2022-12-23_qdiv_seekingalpha-top-ten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_qdiv_seekingalpha-holdingsbreakdown-sectors.jpg</image:loc><image:title>2022-12-23_qdiv_seekingalpha-holdingsbreakdown-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_qdiv_stockrover-dividendgraph-2018-2022.jpg</image:loc><image:title>2022-12-23_qdiv_stockrover-dividendgraph-2018-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_sp500-qualityhighdivindex-top-10-indexweight.jpg</image:loc><image:title>2022-12-23_sp500-qualityhighdivindex-top-10-indexweight</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_sp500-qualityhighdivindex-sectorweights.jpg</image:loc><image:title>2022-12-23_sp500-qualityhighdivindex-sectorweights</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_sp500-qualityhighdivindex-weightingmethod.jpg</image:loc><image:title>2022-12-23_sp500-qualityhighdivindex-weightingmethod</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_sp500-qualityhighdivindex-indexreturns.jpg</image:loc><image:title>2022-12-23_sp500-qualityhighdivindex-indexreturns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_sp500-qualityhighdivindex-indexconstruction.jpg</image:loc><image:title>2022-12-23_sp500-qualityhighdivindex-indexconstruction</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_qdiv_seekingalpha-etf-largecap-quant-rankings.jpg</image:loc><image:title>2022-12-23_qdiv_seekingalpha-etf-largecap-quant-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-23_qdiv_seekingalpha-etf-grades.jpg</image:loc><image:title>2022-12-23_qdiv_seekingalpha-etf-grades</image:title></image:image><lastmod>2022-12-24T02:23:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/19/options-trading-a-recipe-book-with-ingredients-part-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-ingredients-shareprice-date-profit.jpg</image:loc><image:title>2022-12-19_avgo-ingredients-shareprice-date-profit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-options-december30-firstview.jpg</image:loc><image:title>2022-12-19_avgo-options-december30-firstview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-stockprice.jpg</image:loc><image:title>2022-12-19_avgo-stockprice</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-options-december30.jpg</image:loc><image:title>2022-12-19_avgo-options-december30</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_avgo-ingredients-shareprice-date-profit-main.jpg</image:loc><image:title>2022-12-19_avgo-ingredients-shareprice-date-profit-main</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19-amazon-rewards-visa.png</image:loc><image:title>2022-12-19-amazon-rewards-visa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19_contract.jpg</image:loc><image:title>2022-12-19_contract</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-19-recipe-options-trading-02.jpg</image:loc><image:title>2022-12-19 RECIPE-OPTIONS-TRADING-02</image:title><image:caption>Options Trading A Recipe Book with Ingredients Part 2 What is an option?</image:caption></image:image><lastmod>2022-12-19T12:22:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/18/joseph-considered-a-just-and-loving-divorce/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-18-marydidyouknow-questions.jpg</image:loc><image:title>2022-12-18-marydidyouknow-questions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-18_matthew1_20-21.jpg</image:loc><image:title>2022-12-18_matthew1_20-21</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-18-marydidyouknow-cover.jpg</image:loc><image:title>2022-12-18 MaryDidYouKnow-COVER</image:title><image:caption>Joseph did you know? Mary did you know?</image:caption></image:image><lastmod>2022-12-17T21:33:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/16/options-trading-a-recipe-book-with-ingredients-part-1/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-16_2022-optionsincome-total-ytd.jpg</image:loc><image:title>2022-12-16_2022-optionsincome-total-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-16_2021-optionsincome-total.jpg</image:loc><image:title>2022-12-16_2021-optionsincome-total</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-16_investopedia-whatareoptions.jpg</image:loc><image:title>2022-12-16_investopedia-whatareoptions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-16_gf-banana-bread.jpg</image:loc><image:title>2022-12-16_gf-banana-bread</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-16-brainsurgeon.jpg</image:loc><image:title>2022-12-16-brainsurgeon</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/recipe-options-trading-part-01-doesitwork-cover.jpg</image:loc><image:title>RECIPE-OPTIONS-TRADING-Part-01-DoesItWork-COVER</image:title><image:caption>Options Trading - A Recipe Book with Ingredients PART 1</image:caption></image:image><lastmod>2022-12-16T03:03:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/15/christmas-term-limits-and-uncertain-appointments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-04.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-03.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-02.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-01.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-05-2timothy2_11-13.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-05-2timothy2_11-13</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_allhailkingjesus-00-luke1_30-33.jpg</image:loc><image:title>2022-12-15_allhailkingjesus-00-luke1_30-33</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15_christmas-cover.jpg</image:loc><image:title>2022-12-15_Christmas-COVER</image:title><image:caption>Don't Miss the Certainties of Christmas</image:caption></image:image><lastmod>2022-12-16T19:02:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/15/the-reality-about-expense-ratios-and-advisor-fees/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-15-trex-beatthebank-larrybates.jpg</image:loc><image:title>2022-12-15-trex-beatthebank-larrybates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/trex-score-tenthousanddollars-expenseratio-65percent.jpg</image:loc><image:title>trex-score-tenthousanddollars-expenseratio-65percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/trex-score-onemilliondollars-expenseratio-65percent.jpg</image:loc><image:title>trex-score-onemilliondollars-expenseratio-65percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/trex-score-onemilliondollars-expenseratio-08percent.jpg</image:loc><image:title>trex-score-onemilliondollars-expenseratio-08percent</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/trex-score-onemilliondollars-expenseratio-00percent-winquist.jpg</image:loc><image:title>trex-score-onemilliondollars-expenseratio-00percent-winquist</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13-trex-mouse-cover.jpg</image:loc><image:title>2022-12-13 TREX-MOUSE-COVER</image:title><image:caption>The T-Rex or the Mouse: Which will you choose?</image:caption></image:image><lastmod>2022-12-14T20:27:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/14/our-fidelity-investments-portfolio/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-14_apples-three-flavors-cover.jpg</image:loc><image:title>2022-12-14_Apples-Three-Flavors-COVER</image:title><image:caption>Three ways to slice our investment portfolio</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13_positions-dividend-view-colorcodes.jpg</image:loc><image:title>2022-12-13_positions-dividend-view-colorcodes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13_positions-dividend-view.jpg</image:loc><image:title>2022-12-13_positions-dividend-view</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13_positions-overview.jpg</image:loc><image:title>2022-12-13_positions-overview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13_atp-sector-energy.jpg</image:loc><image:title>2022-12-13_atp-sector-energy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-13_ford-filtered.jpg</image:loc><image:title>2022-12-13_ford-filtered</image:title></image:image><lastmod>2022-12-13T22:11:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/12/secrets-of-income-growth-success-part-12/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-george-handel.jpg</image:loc><image:title>2022-12-12-george-handel</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-tax-umbrella.jpg</image:loc><image:title>2022-12-12-tax-umbrella</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-contained-cover.jpg</image:loc><image:title>2022-12-12-contained-cover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-tax-ballandchain.jpg</image:loc><image:title>2022-12-12-tax-ballandchain</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-tax-plan.jpg</image:loc><image:title>2022-12-12-tax-plan</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-tax-man-cometh.jpg</image:loc><image:title>2022-12-12-tax-man-cometh</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/incomegrowthsecrets-part12.jpg</image:loc><image:title>IncomeGrowthSecrets-Part12</image:title><image:caption>Part 12 of Secrets of growing your income in retirement - Taxes and costs</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-12-containers-roth-tira-brokerage.jpg</image:loc><image:title>2022-12-12-containers-roth-tira-brokerage</image:title></image:image><lastmod>2022-12-14T15:57:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/11/christmas-everyone-needs-forgiveness-and-compassion/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-duration-05.jpg</image:loc><image:title>2022-12-11_christmas-duration-05</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-forgiveness-cover.jpg</image:loc><image:title>2022-12-11_Christmas-Forgiveness-COVER</image:title><image:caption>Everyone needs forgivenss. That is the message of Christmas.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-luke1_76-79-01.jpg</image:loc><image:title>2022-12-11_christmas-luke1_76-79-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-response-06.jpg</image:loc><image:title>2022-12-11_christmas-response-06</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-solution-04.jpg</image:loc><image:title>2022-12-11_christmas-solution-04</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-need-forgiveness-03.jpg</image:loc><image:title>2022-12-11_christmas-need-forgiveness-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-11_christmas-need-compassion-02.jpg</image:loc><image:title>2022-12-11_christmas-need-compassion-02</image:title></image:image><lastmod>2022-12-11T12:18:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/09/secrets-of-income-growth-success-part-11/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09_stockrover-pfe-peers.jpg</image:loc><image:title>2022-12-09_stockrover-pfe-peers</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09_vym-and-schd-topten.jpg</image:loc><image:title>2022-12-09_vym-and-schd-topten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09_seekingalpha-comparepeers-mrk-pfe-nvo-azn-etc.jpg</image:loc><image:title>2022-12-09_seekingalpha-comparepeers-mrk-pfe-nvo-azn-etc</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09_abbv-10-year-dividend-history.jpg</image:loc><image:title>2022-12-09_abbv-10-year-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09_vym-10-year-dividend-history.jpg</image:loc><image:title>2022-12-09_vym-10-year-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-09-horseracewinners.jpg</image:loc><image:title>2022-12-09-horseracewinners</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/incomegrowthsecrets-part11.jpg</image:loc><image:title>IncomeGrowthSecrets-Part11</image:title><image:caption>Secrets of Income Growth - Finding Dividend Growth Stocks</image:caption></image:image><lastmod>2022-12-14T15:53:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/08/secrets-of-income-growth-success-part-10/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-08-do-dosanddonts.jpg</image:loc><image:title>2022-12-08-do-dosanddonts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-08-dont-dosanddonts.jpg</image:loc><image:title>2022-12-08-dont-dosanddonts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-08_fidelitycommunity-question.jpg</image:loc><image:title>2022-12-08_fidelitycommunity-question</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/incomegrowthsecrets-part10.jpg</image:loc><image:title>IncomeGrowthSecrets-Part10</image:title><image:caption>Income Growth Secrets Part 10 Do's and Don'ts</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-08-wordsofwisdom.jpg</image:loc><image:title>2022-12-08-wordsofwisdom</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-08-trailblazing.jpg</image:loc><image:title>Marker,Trail,On,Path,In,A,Pinewood,Of,Etna,Park,</image:title></image:image><lastmod>2022-12-14T15:48:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/07/secrets-of-income-growth-success-part-9/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-07_statista-etf-growth-2003-2021.jpg</image:loc><image:title>2022-12-07_statista-etf-growth-2003-2021</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-ivov-vanguard-midcap-400valueindex.jpg</image:loc><image:title>2022-12-05_stockrover-ivov-vanguard-midcap-400valueindex</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-vig-vanguard-dividendappreciationetf.jpg</image:loc><image:title>2022-12-05_stockrover-vig-vanguard-dividendappreciationetf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-pfm-invesco-dividendachievers.jpg</image:loc><image:title>2022-12-05_stockrover-pfm-invesco-dividendachievers</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-sphy-highyield-bond-etf.jpg</image:loc><image:title>2022-12-05_stockrover-sphy-highyield-bond-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-fdvv-fidelity-highdividend-etf.jpg</image:loc><image:title>2022-12-05_stockrover-fdvv-fidelity-highdividend-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-dgro-ishares-dividendgrowth-etf.jpg</image:loc><image:title>2022-12-05_stockrover-dgro-ishares-dividendgrowth-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-schd-schwab-dividendequity-etf.jpg</image:loc><image:title>2022-12-05_stockrover-schd-schwab-dividendequity-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_stockrover-vym-vanguard-highdividendyieldetf.jpg</image:loc><image:title>2022-12-05_stockrover-vym-vanguard-highdividendyieldetf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-05_seekalpha-compare-schd_dvy_dgro_vym_hdv_sdy-grades.jpg</image:loc><image:title>2022-12-05_seekalpha-compare-schd_dvy_dgro_vym_hdv_sdy-grades</image:title></image:image><lastmod>2022-12-14T15:44:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/06/secrets-of-income-growth-success-part-8/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-06_retirementincomestrategies.jpg</image:loc><image:title>2022-12-06_retirementincomestrategies</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-06_inivestopedia-dollarcostaveraging.jpg</image:loc><image:title>2022-12-06_inivestopedia-dollarcostaveraging</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/incomegrowthsecrets-part8.jpg</image:loc><image:title>IncomeGrowthSecrets-Part8</image:title><image:caption>Secrets of Growing Your Income in Retirement Part 8 - Dividend Reinvestment</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-06_stockrover-gty-dividendhistory.jpg</image:loc><image:title>2022-12-06_stockrover-gty-dividendhistory</image:title></image:image><lastmod>2022-12-14T15:42:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/12/01/secrets-of-income-growth-success-part-7/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_arcc-highyield-slowgrowth-stockrover.jpg</image:loc><image:title>2022-12-01_arcc-highyield-slowgrowth-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_abbv-pfe-dividend-comparison-stockrover.jpg</image:loc><image:title>2022-12-01_abbv-pfe-dividend-comparison-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_abbv-highgrowth-dividend-chart-2007-2022-stockrover.jpg</image:loc><image:title>2022-12-01_abbv-highgrowth-dividend-chart-2007-2022-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_pfe-highgrowth-dividend-chart-2007-2022-stockrover.jpg</image:loc><image:title>2022-12-01_pfe-highgrowth-dividend-chart-2007-2022-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_arcc-highyield-dividend-chart-2007-2022-stockrover.jpg</image:loc><image:title>2022-12-01_arcc-highyield-dividend-chart-2007-2022-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/incomegrowthsecrets-part7.jpg</image:loc><image:title>IncomeGrowthSecrets-Part7</image:title><image:caption>Secrets of growing your income using income from growth stocks</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_spy-top-ten.jpg</image:loc><image:title>2022-12-01_spy-top-ten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_titn-profits.jpg</image:loc><image:title>2022-12-01_titn-profits</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/12/2022-12-01_titn-lots.jpg</image:loc><image:title>2022-12-01_titn-lots</image:title></image:image><lastmod>2022-12-14T16:02:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/30/secrets-of-income-growth-success-part-6/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-30_monitoringresults.jpg</image:loc><image:title>2022-11-30_monitoringresults</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-30_fidelity-quarterly-income-2003-2022-ytd.jpg</image:loc><image:title>2022-11-30_fidelity-quarterly-income-2003-2022-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/incomegrowthsecrets-part6.jpg</image:loc><image:title>IncomeGrowthSecrets-Part6</image:title><image:caption>Secrets of growing your income in retirement - Measure Your Results</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-30_usingfidelity-performance-tool.jpg</image:loc><image:title>2022-11-30_usingfidelity-performance-tool</image:title></image:image><lastmod>2022-12-14T15:34:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/29/secrets-of-income-growth-success-part-5/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-schd-top10-divgrowth5yr.jpg</image:loc><image:title>2022-11-29_seekingalpha-schd-top10-divgrowth5yr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-schd-top10-payoutratio.jpg</image:loc><image:title>2022-11-29_seekingalpha-schd-top10-payoutratio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-schd-top10-yrsdivgrowth.jpg</image:loc><image:title>2022-11-29_seekingalpha-schd-top10-yrsdivgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-schd-top10-divratings.jpg</image:loc><image:title>2022-11-29_seekingalpha-schd-top10-divratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-vym-top10-divgrowth5yr.jpg</image:loc><image:title>2022-11-29_seekingalpha-vym-top10-divgrowth5yr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-vym-top10-yrsdivgrowth.jpg</image:loc><image:title>2022-11-29_seekingalpha-vym-top10-yrsdivgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-compare-vym_dgro_schd_sdy_dvy_hdv-profilegrades.jpg</image:loc><image:title>2022-11-29_seekingalpha-compare-vym_dgro_schd_sdy_dvy_hdv-profilegrades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_seekingalpha-compare-vym_dgro_schd_sdy_dvy_hdv-growth.jpg</image:loc><image:title>2022-11-29_seekingalpha-compare-vym_dgro_schd_sdy_dvy_hdv-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-29_dividendcom-historydividendgrowth.jpg</image:loc><image:title>2022-11-29_dividendcom-historydividendgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/incomegrowthsecrets-part5.jpg</image:loc><image:title>IncomeGrowthSecrets-Part5</image:title><image:caption>The Secrets of Growing Income Part 5 Dividend Growth Detective</image:caption></image:image><lastmod>2022-12-14T15:31:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/28/secrets-of-income-growth-success-part-4/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-28_arcc-ares-dividend-definitions-seekingalpha.jpg</image:loc><image:title>2022-11-28_arcc-ares-dividend-definitions-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-28_arcc-ares-dividendgrades-seekingalpha.jpg</image:loc><image:title>2022-11-28_arcc-ares-dividendgrades-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-28_arcc-ares-dividendhistory-stockrover.jpg</image:loc><image:title>2022-11-28_arcc-ares-dividendhistory-stockrover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/incomegrowthsecrets-part4.jpg</image:loc><image:title>IncomeGrowthSecrets-Part4</image:title><image:caption>Income Growth Secrets PART 4 High-Yield Dividends</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-28_arcc-ares-dividendhistory-seekingalpha.jpg</image:loc><image:title>2022-11-28_arcc-ares-dividendhistory-seekingalpha</image:title></image:image><lastmod>2022-12-14T15:30:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/25/like-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_cindie-and-matt.jpg</image:loc><image:title>2022-11-24-thanksgiving_cindie-and-matt</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_mia-noelle-kelly.jpg</image:loc><image:title>2022-11-24-thanksgiving_mia-noelle-kelly</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_noelle.jpg</image:loc><image:title>2022-11-24-thanksgiving_noelle</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_noelle-mathhomework.jpg</image:loc><image:title>2022-11-24-thanksgiving_noelle-mathhomework</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_mia.jpg</image:loc><image:title>2022-11-24-thanksgiving_mia</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-thanksgiving_cindie-and-wayne.jpg</image:loc><image:title>2022-11-24-thanksgiving_cindie-and-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-24-guitar-with-matt.jpeg</image:loc><image:title>2022-11-24-guitar-with-matt</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/1957april_clydeshirleywaynerusswinquist_easter_restored-sm.jpg</image:loc><image:title>1957april_clydeshirleywaynerusswinquist_easter_restored-sm</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/1961-08-carlsielaffsarm.jpg</image:loc><image:title>1961-08-carlsielaffsarm</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/1960-06-wayne-firstcamera.jpg</image:loc><image:title>1960-06-wayne-firstcamera</image:title></image:image><lastmod>2022-11-28T13:29:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/23/secrets-of-income-growth-success-part-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/1956-circa-wayne-and-russell-winquist.jpg</image:loc><image:title>1956-circa-wayne-and-russell-winquist</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/wayne-russell-claude-sundaysuits2.jpg</image:loc><image:title>wayne-russell-claude-sundaysuits2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/1954-circa-wayne-giraffe.jpg</image:loc><image:title>1954-circa-wayne-giraffe</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/incomegrowthsecrets-part3.jpg</image:loc><image:title>IncomeGrowthSecrets-Part3</image:title><image:caption>Sources 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steal.</image:caption></image:image><lastmod>2022-11-18T19:49:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/17/bdc-a-big-dividend-increase-for-sar/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-seekalpha-eps.jpg</image:loc><image:title>2022-11-17_sar-seekalpha-eps</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-seekalpha-revenue.jpg</image:loc><image:title>2022-11-17_sar-seekalpha-revenue</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-weissratings-c.jpg</image:loc><image:title>2022-11-17_sar-weissratings-c</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-website-whyinvestorscare.jpg</image:loc><image:title>2022-11-17_sar-website-whyinvestorscare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-website-whybusinessownerscare.jpg</image:loc><image:title>2022-11-17_sar-website-whybusinessownerscare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-website-whatarebdcs.jpg</image:loc><image:title>2022-11-17_sar-website-whatarebdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-seekalpha-dividend-history.jpg</image:loc><image:title>2022-11-17_sar-seekalpha-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-dividendincrease26percent-email.jpg</image:loc><image:title>2022-11-17_sar-dividendincrease26percent-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-17_sar-cover.jpg</image:loc><image:title>2022-11-17_SAR-COVER</image:title><image:caption>Saratoga 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Unexpected Journey by Thom S. Rainer</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-13_thomsrainer-bio.jpg</image:loc><image:title>2022-11-13_thomsrainer-bio</image:title></image:image><lastmod>2022-11-12T17:14:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/11/extreme-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-utmost.jpg</image:loc><image:title>2022-11-11_fmf-extreme-utmost</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-uttermost.jpg</image:loc><image:title>2022-11-11_fmf-extreme-uttermost</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-beyondreason.jpg</image:loc><image:title>2022-11-11_fmf-extreme-beyondreason</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-faraway.jpg</image:loc><image:title>2022-11-11_fmf-extreme-faraway</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_heb7_20-25.jpg</image:loc><image:title>2022-11-11_heb7_20-25</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-cross.jpg</image:loc><image:title>2022-11-11_fmf-extreme-cross</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_fmf-extreme-cover.jpg</image:loc><image:title>2022-11-11_FMF-Extreme-COVER</image:title><image:caption>Five-Minute Friday - What is Extremely Extreme?</image:caption></image:image><lastmod>2022-11-13T15:58:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/11/inflation-and-an-annuity-will-it-bring-enjoyment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_vym-dividendgrowthhistory-2006-2021.jpg</image:loc><image:title>2022-11-11_vym-dividendgrowthhistory-2006-2021</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_blogcategory-annuity-cover.jpg</image:loc><image:title>2022-11-11_BlogCategory-Annuity-COVER</image:title><image:caption>Will an annuity really give you confidence to enjoy your money? I don't think so.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-11_blogcategory-annuity.jpg</image:loc><image:title>2022-11-11_blogcategory-annuity</image:title></image:image><lastmod>2022-11-11T02:54:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/10/reasons-to-read-your-monthly-investment-statements/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-07_fidelitystatement-holdings-eai-dollars.jpg</image:loc><image:title>2022-11-07_fidelitystatement-holdings-eai-dollars</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-07_fidelitystatement-estimatedcashflow.jpg</image:loc><image:title>2022-11-07_fidelitystatement-estimatedcashflow</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-07_fidelitystatement-portfoliosummary.jpg</image:loc><image:title>2022-11-07_fidelitystatement-portfoliosummary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-10_dividendgrowth-10-year-example.jpg</image:loc><image:title>2022-11-10_dividendgrowth-10-year-example</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-10_readfidelitystatementscover.jpg</image:loc><image:title>2022-11-10_ReadFidelityStatementsCover</image:title><image:caption>Reading Your Investment Statement is a Wise Discipline</image:caption></image:image><lastmod>2022-11-10T03:28:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/09/equal-weight-etf-solutions-have-advantages/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex-sectors-rsp-dividendgrowth.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex-sectors-rsp-dividendgrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex-sectors-rsp-dividendgrowth2.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex-sectors-rsp-dividendgrowth2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex-sectors-eql-holdings.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex-sectors-eql-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex-sectors-eql.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex-sectors-eql</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex-sectors-eql-quant-rank.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex-sectors-eql-quant-rank</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_equalweight-cover.jpg</image:loc><image:title>2022-11-09_EqualWeight-COVER</image:title><image:caption>When is AAPL the same as EMBC? When they are inside of ETF RSP.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sp500-equalweightindex.jpg</image:loc><image:title>2022-11-09_sp500-equalweightindex</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sa-etf-dividends-spy_ivv_voo_rsp_eql.jpg</image:loc><image:title>2022-11-09_sa-etf-dividends-spy_ivv_voo_rsp_eql</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sa-etf-10yrperf-spy_ivv_voo_rsp_eql.jpg</image:loc><image:title>2022-11-09_sa-etf-10yrperf-spy_ivv_voo_rsp_eql</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-09_sa-etf-grades-spy_ivv_voo_rsp_eql.jpg</image:loc><image:title>2022-11-09_sa-etf-grades-spy_ivv_voo_rsp_eql</image:title></image:image><lastmod>2022-11-09T12:24:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/08/turning-cash-into-an-automatic-cd-ladder/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-10-cds-oneyearladder.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-10-cds-oneyearladder</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_fidelityautorolloption.jpg</image:loc><image:title>2022-11-08_fidelityautorolloption</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_fidelitycd-ladder-verification.jpg</image:loc><image:title>2022-11-08_fidelitycd-ladder-verification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_fidelitycdladders-rates.jpg</image:loc><image:title>2022-11-08_fidelitycdladders-rates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_fool-ratehistory-2022.jpg</image:loc><image:title>2022-11-08_fool-ratehistory-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_fidelitycd-ladder-cindie.jpg</image:loc><image:title>2022-11-08_fidelitycd-ladder-cindie</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_savecash-cover.jpg</image:loc><image:title>2022-11-08_SaveCash-COVER</image:title><image:caption>Buying a CD Ladder for Next Year's Projects or Large Purchases.</image:caption></image:image><lastmod>2022-11-09T03:42:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/07/the-advantages-of-living-on-main-street-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-dividendincreased-utma-purchhistory.jpg</image:loc><image:title>2022-11-08_main-dividendincreased-utma-purchhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-investorpresent-pg17-dividendsgraph.jpg</image:loc><image:title>2022-11-08_main-investorpresent-pg17-dividendsgraph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-investorpresent-pg21-portfoliodiversification.jpg</image:loc><image:title>2022-11-08_main-investorpresent-pg21-portfoliodiversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-investorpresent-pg21-geographicdiversification.jpg</image:loc><image:title>2022-11-08_main-investorpresent-pg21-geographicdiversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-seekingalpha-revenue-eps.jpg</image:loc><image:title>2022-11-08_main-seekingalpha-revenue-eps</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-weissratings-hold.jpg</image:loc><image:title>2022-11-08_main-weissratings-hold</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-seekingalpha-summary-ratings.jpg</image:loc><image:title>2022-11-08_main-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-08_main-dividendincreased-supplemental-email.jpg</image:loc><image:title>2022-11-08_main-dividendincreased-supplemental-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-07_main-cover.jpg</image:loc><image:title>2022-11-07_MAIN-COVER</image:title><image:caption>A Small Sample of Businesses in MAIN St Capital Corporation</image:caption></image:image><lastmod>2022-11-07T12:37:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/06/gods-will-is-what-has-been-and-what-will-be/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-06_godswilldelight-psalm40_1-8.jpg</image:loc><image:title>2022-11-06_godswilldelight-psalm40_1-8</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-06_godswilldelight-cover.jpg</image:loc><image:title>2022-11-06_GodsWillDelight-COVER</image:title><image:caption>Psalm 40:8 Delight in God's Will</image:caption></image:image><lastmod>2022-11-06T13:28:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/05/oh-me-oh-my-a-real-dividend-blizzard/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_dividendincreaseannouncements-eog-specials.jpg</image:loc><image:title>2022-11-04_dividendincreaseannouncements-eog-specials</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_dividendincreaseannouncements.jpg</image:loc><image:title>2022-11-04_dividendincreaseannouncements</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_dividendincreaseannouncements-hrzn.jpg</image:loc><image:title>2022-11-04_dividendincreaseannouncements-hrzn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_dividendincreaseannouncements-eog.jpg</image:loc><image:title>2022-11-04_dividendincreaseannouncements-eog</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_dividendincreaseannouncements-abr.jpg</image:loc><image:title>2022-11-04_dividendincreaseannouncements-abr</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04-dividendgrowth-blizzard.jpg</image:loc><image:title>2022-11-04-dividendgrowth-blizzard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04-dividendgrowth-fingers-cover.jpg</image:loc><image:title>2022-11-04 DividendGrowth-Fingers-COVER</image:title><image:caption>Three More Dividend Increases and two special dividends.</image:caption></image:image><lastmod>2022-11-04T22:25:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/04/use-your-cash-to-buy-cds-your-way/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-04-orderspending.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-04-orderspending</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-05-orderspending-details.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-05-orderspending-details</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-03-orderentered.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-03-orderentered</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-02.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-01.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_cd-selection-1-2-month.jpg</image:loc><image:title>2022-11-04_cd-selection-1-2-month</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-10-26_buy-1mo-cd-09-cds-bluesky.jpg</image:loc><image:title>2022-10-26_buy-1mo-cd-09-cds-bluesky</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-04_cd-ladder-cover.jpg</image:loc><image:title>2022-11-04_CD-Ladder-COVER</image:title><image:caption>You can build your own CD ladder at Fidelity Investments.</image:caption></image:image><lastmod>2022-11-03T11:38:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/03/this-bdc-means-business-with-a-dividend-increase/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-sixthstreet-cover.jpg</image:loc><image:title>2022-11-03_TSLX-SixthStreet-COVER</image:title><image:caption>Sixth Street Specialty Lending is a good street address for some of our investments. The ticker is TSLX.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-dividendincrease-email.jpg</image:loc><image:title>2022-11-03_tslx-bdc-dividendincrease-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-borrower-topten-diversification.jpg</image:loc><image:title>2022-11-03_tslx-bdc-borrower-topten-diversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-portfoliodiversification.jpg</image:loc><image:title>2022-11-03_tslx-bdc-portfoliodiversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-businessthemes.jpg</image:loc><image:title>2022-11-03_tslx-bdc-businessthemes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-businessapproach.jpg</image:loc><image:title>2022-11-03_tslx-bdc-businessapproach</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-roe-versus-bdcs.jpg</image:loc><image:title>2022-11-03_tslx-bdc-roe-versus-bdcs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-bdc-sa-summary-ratings.jpg</image:loc><image:title>2022-11-03_tslx-bdc-sa-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-03_tslx-sixthstreet-weiss.jpg</image:loc><image:title>2022-11-03_tslx-sixthstreet-weiss</image:title></image:image><lastmod>2022-11-02T13:03:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/02/cash-invested-and-available-for-use/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_spaxx-changecorepositionoption.jpg</image:loc><image:title>2022-11-02_spaxx-changecorepositionoption</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_fcash_spaxx_fzfxx-interestrate.jpg</image:loc><image:title>2022-11-02_fcash_spaxx_fzfxx-interestrate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_changecoreposition-brokerage1.jpg</image:loc><image:title>2022-11-02_changecoreposition-brokerage1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_changecoreposition-brokerage2.jpg</image:loc><image:title>2022-11-02_changecoreposition-brokerage2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_changecoreposition-cindie-roth.jpg</image:loc><image:title>2022-11-02_changecoreposition-cindie-roth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_core-cash-yield-is-poor.jpg</image:loc><image:title>2022-11-02_core-cash-yield-is-poor</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_fdrxx_fzfxx_spaxx-yield-7-day.jpg</image:loc><image:title>2022-11-02_fdrxx_fzfxx_spaxx-yield-7-day</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_fdrxx_fzfxx_spaxx-lifeoffund-returns.jpg</image:loc><image:title>2022-11-02_fdrxx_fzfxx_spaxx-lifeoffund-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_fdrxx_fzfxx_spaxx-expenseratios.jpg</image:loc><image:title>2022-11-02_fdrxx_fzfxx_spaxx-expenseratios</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/11/2022-11-02_fzfxx-yield-7-day.jpg</image:loc><image:title>2022-11-02_fzfxx-yield-7-day</image:title></image:image><lastmod>2022-11-02T15:22:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/11/01/cash-for-emergencies-be-sensible/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-11-01_scrooge-miser.jpg</image:loc><image:title>2022-11-01_scrooge-miser</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-11-01_squirrel.jpg</image:loc><image:title>2022-11-01_squirrel</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-11-01_emergencywhentouse-ramsey.jpg</image:loc><image:title>2022-11-01_emergencywhentouse-ramsey</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-11-01_emergencyfundcalculator-6months.jpg</image:loc><image:title>2022-11-01_emergencyfundcalculator-6months</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-11-01_cash-emergency-cover.jpg</image:loc><image:title>2022-11-01_CASH-Emergency-COVER</image:title><image:caption>Emergency Cash - it is for emergencies so be sensible.</image:caption></image:image><lastmod>2022-10-31T17:20:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/30/wise-for-salvation-through-faith-in-jesus/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-30_veradagmarmeyer-hertomahawkhome.jpg</image:loc><image:title>2022-10-30_veradagmarmeyer-hertomahawkhome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-18-veradmeyer-worshipservice-statementoffaith.jpg</image:loc><image:title>2022-10-18-veradmeyer-worshipservice-statementoffaith</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-18-veradmeyer-worshipservice-herlife.jpg</image:loc><image:title>2022-10-18-veradmeyer-worshipservice-herlife</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-18-veradmeyer-worshipservice-safelyhome.jpg</image:loc><image:title>2022-10-18-veradmeyer-worshipservice-safelyhome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-30_veradagmarmeyer-cover.jpg</image:loc><image:title>2022-10-30_VeraDagmarMeyer-COVER</image:title><image:caption>Vera Dagmar Meyer (Winquist) Wise for salvation through Jesus</image:caption></image:image><lastmod>2022-10-29T21:41:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/31/have-a-strategy-for-cash/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-31_cashfallingfromthesky.jpg</image:loc><image:title>2022-10-31_cashfallingfromthesky</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-31_primerate-fred-graph.jpg</image:loc><image:title>2022-10-31_primerate-fred-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-31_primerate-y-charts-graph.jpg</image:loc><image:title>2022-10-31_primerate-y-charts-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-31_primerate-fedprimeratecom.jpg</image:loc><image:title>2022-10-31_primerate-fedprimeratecom</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-31_bank-cash-cover.jpg</image:loc><image:title>2022-10-31_Bank-Cash-COVER</image:title><image:caption>The bank will take your money unless you determine they should give instead.</image:caption></image:image><lastmod>2022-10-31T12:05:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/29/yet-another-five-percent-increase/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-quant-rankings-abbv_amgn_gild.jpg</image:loc><image:title>2022-10-29_abbv-quant-rankings-abbv_amgn_gild</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-dividends-abbv_amgn_gild.jpg</image:loc><image:title>2022-10-29_abbv-dividends-abbv_amgn_gild</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-dividend-grades-and-rank.jpg</image:loc><image:title>2022-10-29_abbv-dividend-grades-and-rank</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-dividend-earningsupdate-email.jpg</image:loc><image:title>2022-10-29_abbv-dividend-earningsupdate-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-dividend-increase-email.jpg</image:loc><image:title>2022-10-29_abbv-dividend-increase-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-pharmaceutical-revenue-categories.jpg</image:loc><image:title>2022-10-29_abbv-pharmaceutical-revenue-categories</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-pharmaceutical-phases-pipeline.jpg</image:loc><image:title>2022-10-29_abbv-pharmaceutical-phases-pipeline</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-dividendincrease-cover.jpg</image:loc><image:title>2022-10-29_ABBV-DividendIncrease-COVER</image:title><image:caption>ABBV is one of many biotechnology pharma companies.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-29_abbv-weiss-rating-b.jpg</image:loc><image:title>2022-10-29_abbv-weiss-rating-b</image:title></image:image><lastmod>2022-10-29T12:38:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/28/fill-er-up-with-five-percent-more-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-usa-realestateattributes.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-usa-realestateattributes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-usa-realestateoperators.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-usa-realestateoperators</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-usa-portfolio-sectors.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-usa-portfolio-sectors</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-usa-map.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-usa-map</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-usa-portfolio.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-usa-portfolio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-dividendgraph-2017-2022.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-dividendgraph-2017-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-dividendincreasedagain.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-dividendincreasedagain</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28_gty-gettyrealtycorp-reit-rankings.jpg</image:loc><image:title>2022-10-28_gty-gettyrealtycorp-reit-rankings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-28-getty-cover.jpg</image:loc><image:title>2022-10-28-GETTY-COVER</image:title><image:caption>GTU Getty Realty Corporation Announced a Dividend Increase</image:caption></image:image><lastmod>2022-10-27T21:10:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/27/a-sweet-twelve-percent-dividend-increase/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_arcc-sa-revenue-bar-graph.jpg</image:loc><image:title>2022-10-27_arcc-sa-revenue-bar-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_arcc-sa-summary-grades-ranking.jpg</image:loc><image:title>2022-10-27_arcc-sa-summary-grades-ranking</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_investopedia-bdcs-advantages.jpg</image:loc><image:title>2022-10-27_investopedia-bdcs-advantages</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_investopedia-bdcs-disadvantages.jpg</image:loc><image:title>2022-10-27_investopedia-bdcs-disadvantages</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_arcc-atp-supportandresistancedefined.jpg</image:loc><image:title>2022-10-27_arcc-atp-supportandresistancedefined</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27_arcc-sa-dividendincrease-11-6percent-email.jpg</image:loc><image:title>2022-10-27_arcc-sa-dividendincrease-11-6percent-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-27-advantagesdisadvantages-bdcs-cover.jpg</image:loc><image:title>2022-10-27 AdvantagesDisadvantages-BDCS-COVER</image:title><image:caption>Business Development Company ARCC announced a 12% dividend increase.</image:caption></image:image><lastmod>2022-10-27T12:37:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/25/going-shopping-for-land-and-buildings/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-fidelityequitysummaryscore-neutral.jpg</image:loc><image:title>2022-10-25_nnn-fidelityequitysummaryscore-neutral</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-sa-ffo-growth.jpg</image:loc><image:title>2022-10-25_nnn-sa-ffo-growth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-sa-revenuegrowth.jpg</image:loc><image:title>2022-10-25_nnn-sa-revenuegrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-properties-usa.jpg</image:loc><image:title>2022-10-25_nnn-properties-usa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-properties-california.jpg</image:loc><image:title>2022-10-25_nnn-properties-california</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-properties-florida.jpg</image:loc><image:title>2022-10-25_nnn-properties-florida</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-properties-texas.jpg</image:loc><image:title>2022-10-25_nnn-properties-texas</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-properties-wisconsin.jpg</image:loc><image:title>2022-10-25_nnn-properties-wisconsin</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-bought100.jpg</image:loc><image:title>2022-10-25_nnn-bought100</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-25_nnn-fidelity-divdiends-graph.jpg</image:loc><image:title>2022-10-25_nnn-fidelity-divdiends-graph</image:title></image:image><lastmod>2022-10-25T12:55:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/24/when-should-i-buy-more-in-a-bear-market/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_bearmarket-shouldibuymore-cover.jpg</image:loc><image:title>2022-10-24_BearMarket-ShouldIBuyMore-COVER</image:title><image:caption>Should I buy more shares of an investment in a bear market?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_vym-vs-sp500-schd-10yearreturn-seekingalpha.jpg</image:loc><image:title>2022-10-24_vym-vs-sp500-schd-10yearreturn-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_vym-vs-sp500-schd-1yearreturn-seekingalpha.jpg</image:loc><image:title>2022-10-24_vym-vs-sp500-schd-1yearreturn-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_vym-vs-sp500-1yearreturn-seekingalpha.jpg</image:loc><image:title>2022-10-24_vym-vs-sp500-1yearreturn-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_toplargecap-value-etfs-seekingalpha.jpg</image:loc><image:title>2022-10-24_toplargecap-value-etfs-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_vym-toptenholdings-seekingalpha.jpg</image:loc><image:title>2022-10-24_vym-toptenholdings-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-24_vym-dividends-2008-2022-seekingalpha.jpg</image:loc><image:title>2022-10-24_vym-dividends-2008-2022-seekingalpha</image:title></image:image><lastmod>2022-10-24T02:10:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/26/wisdom-wednesday-apt-answers/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-26_pray-bible.jpg</image:loc><image:title>2022-10-26_pray-bible</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-26_glowinganswer.jpg</image:loc><image:title>2022-10-26_glowinganswer</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-26_wednesdaywisdom-apt-answer-cover.jpg</image:loc><image:title>2022-10-26_WednesdayWisdom-APT-Answer-COVER</image:title><image:caption>Proverbs 15:23 says an apt answer is a joy to a man.</image:caption></image:image><lastmod>2022-10-22T16:24:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/18/an-important-obituary-with-some-important-reminders/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-18-2004-aunt-vera-wayne-cindie-obituarypost.jpg</image:loc><image:title>2022-10-18 2004 Aunt Vera Wayne &amp; Cindie ObituaryPost</image:title><image:caption>Aunt Vera Meyer is now Home!</image:caption></image:image><lastmod>2022-10-21T06:46:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/15/compromise-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-15_compromise-wrong-right-cover.jpg</image:loc><image:title>2022-10-15_Compromise-Wrong-Right-COVER</image:title><image:caption>Five-Minute Friday and No Compromise</image:caption></image:image><lastmod>2022-10-17T00:36:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/19/wisdom-wednesday-learn-devotion-to-good-works/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-19-learntodogoodworks-alistairbegg.jpg</image:loc><image:title>2022-10-19-learntodogoodworks-alistairbegg</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-19-learntodogoodworks-titus3-14.jpg</image:loc><image:title>2022-10-19-learntodogoodworks-titus3-14</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-19-learntodogoodworks-assignment-cover.jpg</image:loc><image:title>2022-10-19 LearnToDoGoodWorks-Assignment-COVER</image:title><image:caption>Learn to do good works. See Titus 3:14</image:caption></image:image><lastmod>2022-10-20T17:17:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/13/bear-markets-and-loving-the-bear-part-6/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-13_seekingalpha-liquid-concentrate-risk-vym-schd-dgro-dvy-pey-ddiv.jpg</image:loc><image:title>2022-10-13_seekingalpha-liquid-concentrate-risk-vym-schd-dgro-dvy-pey-ddiv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-13_seekingalpha-etf-grades-vym-schd-dgro-dvy-pey-ddiv.jpg</image:loc><image:title>2022-10-13_seekingalpha-etf-grades-vym-schd-dgro-dvy-pey-ddiv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-13_seekingalpha-dividends-performance-vym-schd-dgro-dvy-pey-ddiv.jpg</image:loc><image:title>2022-10-13_seekingalpha-dividends-performance-vym-schd-dgro-dvy-pey-ddiv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-11_investmentdividendincomehistory-2003-2022ytd.jpg</image:loc><image:title>2022-10-11_investmentdividendincomehistory-2003-2022ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-11_investmentbalancehistory-2003-2022ytd.jpg</image:loc><image:title>2022-10-11_investmentbalancehistory-2003-2022ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-11_statmuse-index-graphs-ytd-returns.jpg</image:loc><image:title>2022-10-11_statmuse-index-graphs-ytd-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-11_wsj-index-nasdaq-table-returns-ytd.jpg</image:loc><image:title>2022-10-11_wsj-index-nasdaq-table-returns-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-11_wsj-index-dow-sp500-table-returns-ytd.jpg</image:loc><image:title>2022-10-11_wsj-index-dow-sp500-table-returns-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-13_bearmarket-bearsputkiboshonsillybulls-love-cover.jpg</image:loc><image:title>2022-10-13_BearMarket-BearsPutKiboshonSillyBulls-LOVE-COVER</image:title><image:caption>Bear markets pu the Kibosh on Silly Bulls and Make a Good ETF more obvious.</image:caption></image:image><lastmod>2022-10-13T00:59:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/12/wednesday-wisdom-advice/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-12_verse-proverbs19_20-21.jpg</image:loc><image:title>2022-10-12_verse-proverbs19_20-21</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-12-wordsofwisdom-advice.jpg</image:loc><image:title>2022-10-12-WordsOfWisdom-Advice</image:title><image:caption>Wednesday Wisdom: Listen to Advice</image:caption></image:image><lastmod>2022-10-10T13:01:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/10/small-can-be-big-in-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_vbr-ijr-compare-expenses-etf-grades.jpg</image:loc><image:title>2022-10-10_vbr-ijr-compare-expenses-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_vbr-ijr-compare-dividendgrowthperformance.jpg</image:loc><image:title>2022-10-10_vbr-ijr-compare-dividendgrowthperformance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_vbr-holdings-891.jpg</image:loc><image:title>2022-10-10_vbr-holdings-891</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_ijr-holdings-618.jpg</image:loc><image:title>2022-10-10_ijr-holdings-618</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_smallthings-rockstack.jpg</image:loc><image:title>2022-10-10_smallthings-rockstack</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-10_smallthings-cover.jpg</image:loc><image:title>2022-10-10_SmallThings-COVER</image:title><image:caption>Small Cap Stocks are an Opportunity for Growth</image:caption></image:image><lastmod>2022-10-10T02:33:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/08/become-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-07_badcrowd.jpg</image:loc><image:title>2022-10-07_badcrowd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-07_onebadapple.jpg</image:loc><image:title>2022-10-07_onebadapple</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-07_become-ingredients-cover.jpg</image:loc><image:title>2022-10-07_BECOME-INGREDIENTS-COVER</image:title><image:caption>You will become like your companions and friends. Choose the right ingredients because they matter.</image:caption></image:image><lastmod>2022-10-09T04:12:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/05/tasty-reit-investment-is-full-of-good-ingredients/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-summary-sa.jpg</image:loc><image:title>2022-10-05_fcpt-summary-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-divdiendgrowth-bargraph-sa.jpg</image:loc><image:title>2022-10-05_fcpt-divdiendgrowth-bargraph-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-dividendhistory-bargraph-sa.jpg</image:loc><image:title>2022-10-05_fcpt-dividendhistory-bargraph-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-ffo-bargraph-sa.jpg</image:loc><image:title>2022-10-05_fcpt-ffo-bargraph-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-revenue-bargraph-sa.jpg</image:loc><image:title>2022-10-05_fcpt-revenue-bargraph-sa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-portfolio-brands.jpg</image:loc><image:title>2022-10-05_fcpt-portfolio-brands</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-portfolio-geography.jpg</image:loc><image:title>2022-10-05_fcpt-portfolio-geography</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-variousrestaurants.jpg</image:loc><image:title>2022-10-05_fcpt-variousrestaurants</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-portfolio-strategy.jpg</image:loc><image:title>2022-10-05_fcpt-portfolio-strategy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-05_fcpt-acquisitions-sept-oct-2022.jpg</image:loc><image:title>2022-10-05_fcpt-acquisitions-sept-oct-2022</image:title></image:image><lastmod>2022-10-05T12:35:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/10/03/bear-markets-and-loving-the-bear-part-5/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_bearmarket-bearsmakemethinklongterm-love-cover.jpg</image:loc><image:title>2022-10-03_BearMarket-BearsMakeMeThinkLongTerm-LOVE-COVER</image:title><image:caption>I love the bear market because it reminds me that short-term thinking is not good for long-term investors.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_asx-fundamentals-fidelity.jpg</image:loc><image:title>2022-10-03_asx-fundamentals-fidelity</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_ecclesiastes12-1-8.jpg</image:loc><image:title>2022-10-03_ecclesiastes12-1-8</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_q3-2022-dividendincome.jpg</image:loc><image:title>2022-10-03_q3-2022-dividendincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_q3-2021-dividendincome.jpg</image:loc><image:title>2022-10-03_q3-2021-dividendincome</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/10/2022-10-03_q3-2020-dividendincome.jpg</image:loc><image:title>2022-10-03_q3-2020-dividendincome</image:title></image:image><lastmod>2022-10-03T11:13:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/30/road-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_eccl-10-3.jpg</image:loc><image:title>2022-09-30_eccl-10-3</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_lion-road-cover-1.jpg</image:loc><image:title>2022-09-30_LION-ROAD-COVER</image:title><image:caption>Is there a lion in your road? Be careful about the excuses you make for why you aren't taking action.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_blindman.jpg</image:loc><image:title>2022-09-30_blindman</image:title></image:image><lastmod>2022-10-04T18:07:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/30/bear-markets-and-loving-the-bear-part-4/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_aaii-percent-bullish-graph-sp500-1987-2022.jpg</image:loc><image:title>2022-09-30_aaii-percent-bullish-graph-sp500-1987-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_aaii-percent-bullish-graph-bounce.jpg</image:loc><image:title>2022-09-30_aaii-percent-bullish-graph-bounce</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_aaii-sentiment-nextsixmonths-historicalcontrast.jpg</image:loc><image:title>2022-09-29_aaii-sentiment-nextsixmonths-historicalcontrast</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_aaii-sentiment-nextsixmonths-main.jpg</image:loc><image:title>2022-09-29_aaii-sentiment-nextsixmonths-main</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_aaii-sentiment-nextsixmonths-buffettquote.jpg</image:loc><image:title>2022-09-29_aaii-sentiment-nextsixmonths-buffettquote</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-30_bearmarket-bearsmakemoreincometaxfree-love-cover.jpg</image:loc><image:title>2022-09-30_BearMarket-BearsMakeMoreIncomeTaxFree-LOVE-COVER</image:title><image:caption>Bear markets are opportunities to create future tax-free income in a ROTH IRA.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/bear-market-plan.jpg</image:loc><image:title>bear-market-plan</image:title></image:image><lastmod>2022-09-30T01:48:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/29/bear-markets-and-loving-the-bear-part-3/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_bearmarket-taxplanning-incomevstax.jpg</image:loc><image:title>2022-09-29_bearmarket-taxplanning-incomevstax</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_bearmarket-taxplanning-today-for-tomorrow.jpg</image:loc><image:title>2022-09-29_bearmarket-taxplanning-today-for-tomorrow</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-29_bearmarket-howlongdoesabearmarketlive-love-cover.jpg</image:loc><image:title>2022-09-29_BearMarket-HowLongDoesABearMarketLive-LOVE-COVER</image:title><image:caption>Do you know what your income taxes will be in retirement? Thinking and planning for it now can be helpful in a bear market.</image:caption></image:image><lastmod>2022-09-29T01:06:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/28/bear-markets-and-loving-the-bear-part-2/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-28_howlongdobear-markets-live.png</image:loc><image:title>2022-09-28_howlongdobear-markets-live</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-28_bearmarket-howlongdoesabearmarketlive-love-cover.jpg</image:loc><image:title>2022-09-28_BearMarket-HowLongDoesABearMarketLive-LOVE-COVER</image:title><image:caption>How long do bears live? How long do bear markets live?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-28_bearmarkets-1993-2022-graph.jpg</image:loc><image:title>2022-09-28_bearmarkets-1993-2022-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-28_swartzkopf-haircolor.jpg</image:loc><image:title>2022-09-28_swartzkopf-haircolor</image:title></image:image><lastmod>2022-09-28T12:16:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/27/four-high-schools-in-four-years/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/1969-seniors-index-wayne.jpg</image:loc><image:title>1969-seniors-index-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/1969-seniors-wayne.jpg</image:loc><image:title>1969-seniors-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2019-indiateaching.jpg</image:loc><image:title>2019-indiateaching</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/1969-teachers-nbhs.jpg</image:loc><image:title>1969-teachers-nbhs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/brookfield-central-high-school-1967.jpg</image:loc><image:title>brookfield-central-high-school-1967</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/naperville-community-high-school-1958.jpg</image:loc><image:title>naperville-community-high-school-1958</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/naperville-community-high-school.jpg</image:loc><image:title>naperville-community-high-school</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/brookfield-central-high-school-1967-wayne.jpg</image:loc><image:title>brookfield-central-high-school-1967-wayne</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/1969-06-12-newberlinhighschool-diploma-waynelwinquist.jpg</image:loc><image:title>1969-06-12 NewBerlinHighSchool-Diploma-WayneLWinquist</image:title><image:caption>Wayne Lynn Winquist in the hairful days. This was my senior high graduation picture.</image:caption></image:image><lastmod>2022-09-27T00:39:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/26/bear-markets-and-loving-the-bear/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-26_cornfield-bearmarket2-copy.jpg</image:loc><image:title>2022-09-26_cornfield-bearmarket2-copy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-26_cornfield-bearmarket.jpg</image:loc><image:title>2022-09-26_cornfield-bearmarket</image:title></image:image><lastmod>2022-09-26T01:03:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/25/chosen-by-god/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-25_rcsproul-chosenbygod-freedom-book.jpg</image:loc><image:title>2022-09-25_rcsproul-chosenbygod-freedom-book</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-25_rcsproul-chosenbygod-freedom-predestination.jpg</image:loc><image:title>2022-09-25_rcsproul-chosenbygod-freedom-predestination</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-25_chosenbygod-bookcover.jpg</image:loc><image:title>2022-09-25_chosenbygod-bookcover</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-25_rcsproul-chosenbygod-freedom-cover.jpg</image:loc><image:title>2022-09-25_RCSPROUL-ChosenByGod-Freedom-COVER</image:title><image:caption>Predestination: Does God get to Choose? It depends...</image:caption></image:image><lastmod>2022-09-26T22:36:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/23/dividend-investing-in-health-care-stocks-and-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_pfe-dividendannouncement-grades-only.jpg</image:loc><image:title>2022-09-22_pfe-dividendannouncement-grades-only</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_fhlc-etf-holdings.jpg</image:loc><image:title>2022-09-22_fhlc-etf-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_fhlc-etf-utma.jpg</image:loc><image:title>2022-09-22_fhlc-etf-utma</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_timothyplaninvesting-2-list-1.jpg</image:loc><image:title>2022-09-22_timothyplaninvesting-2-list-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_timothyplaninvesting-2-list.jpg</image:loc><image:title>2022-09-22_timothyplaninvesting-2-list</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_timothyplaninvesting.jpg</image:loc><image:title>2022-09-22_timothyplaninvesting</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_timothyplaninvesting-filtering.jpg</image:loc><image:title>2022-09-22_timothyplaninvesting-filtering</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_pfe-dividendannouncement-grades.jpg</image:loc><image:title>2022-09-22_pfe-dividendannouncement-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_pfe-dividendannouncement.jpg</image:loc><image:title>2022-09-22_pfe-dividendannouncement</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-22_pfe-cover.jpg</image:loc><image:title>2022-09-22_PFE-COVER</image:title><image:caption>PFE Pfizer and a Dividend Investment</image:caption></image:image><lastmod>2022-11-28T17:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/21/dividend-investing-with-a-small-cap-bdc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-dividendincrease-email.jpg</image:loc><image:title>2022-09-21_cswc-dividendincrease-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-q1-2023-presentation-page15-portfoliomix.jpg</image:loc><image:title>2022-09-21_cswc-q1-2023-presentation-page15-portfoliomix</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-q1-2023-presentation-page7-valuecreation.jpg</image:loc><image:title>2022-09-21_cswc-q1-2023-presentation-page7-valuecreation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-q1-2023-presentation-page6-dividendtrackrecord.jpg</image:loc><image:title>2022-09-21_cswc-q1-2023-presentation-page6-dividendtrackrecord</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-q1-2023-presentation-page4-companyoverview.jpg</image:loc><image:title>2022-09-21_cswc-q1-2023-presentation-page4-companyoverview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-bizd-etf.jpg</image:loc><image:title>2022-09-21_cswc-bizd-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-21_cswc-cover.jpg</image:loc><image:title>2022-09-21_CSWC-COVER</image:title><image:caption>A different approach needs to have a different strategy. CSWC is certainly different.</image:caption></image:image><lastmod>2022-09-21T16:10:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/16/spontaneous-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-reckless.jpg</image:loc><image:title>2022-09-16_spontaneous-reckless</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-personalitytypes.jpg</image:loc><image:title>2022-09-16_spontaneous-personalitytypes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-sin.jpg</image:loc><image:title>2022-09-16_spontaneous-sin</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-fire.jpg</image:loc><image:title>2022-09-16_spontaneous-fire</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-punch.jpg</image:loc><image:title>2022-09-16_spontaneous-punch</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-16_spontaneous-cover.jpg</image:loc><image:title>2022-09-16_Spontaneous-COVER</image:title><image:caption>This picture reminds me of something my mother would ask me and my brother.</image:caption></image:image><lastmod>2022-09-18T23:05:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/15/are-you-happy-with-your-2022-investment-returns/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-vanguard-historicalprices.jpg</image:loc><image:title>2022-09-15_vym-vanguard-historicalprices</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-vanguard-characteristics-value-earningsgrowthrate.jpg</image:loc><image:title>2022-09-15_vym-vanguard-characteristics-value-earningsgrowthrate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-vanguard-dividendincometable.jpg</image:loc><image:title>2022-09-15_vym-vanguard-dividendincometable</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-vanguard-performance-cumulative.jpg</image:loc><image:title>2022-09-15_vym-vanguard-performance-cumulative</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-seekingalpha-dividendgrowthrate-years.jpg</image:loc><image:title>2022-09-15_vym-seekingalpha-dividendgrowthrate-years</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-seekingalpha-dividendhistory.jpg</image:loc><image:title>2022-09-15_vym-seekingalpha-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-seekingalpha-dividenddeclaredate.jpg</image:loc><image:title>2022-09-15_vym-seekingalpha-dividenddeclaredate</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-vanguard-overview.jpg</image:loc><image:title>2022-09-15_vym-vanguard-overview</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-15_vym-cover.jpg</image:loc><image:title>2022-09-15_VYM-COVER</image:title><image:caption>We can compare VYM with the S&amp;P 500 to see if it is performing as expected.</image:caption></image:image><lastmod>2022-09-15T15:08:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/14/is-reit-riet-right-for-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/hoya-capital-high-dividend-riet-etf.jpg</image:loc><image:title>hoya-capital-high-dividend-riet-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/reit-sector-diversification.jpg</image:loc><image:title>reit-sector-diversification</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/reit-sector-diversification-main.jpg</image:loc><image:title>reit-sector-diversification-main</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-10_etf-reit-riet-detailedquote.jpg</image:loc><image:title>2022-09-10_etf-reit-riet-detailedquote</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-10_etf-reit-riet-top10holdings-1.jpg</image:loc><image:title>2022-09-10_etf-reit-riet-top10holdings-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/reit-index-strategy.jpg</image:loc><image:title>reit-index-strategy</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/reit-sector-diversification-top-20-holdings.jpg</image:loc><image:title>reit-sector-diversification-top-20-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-10_etf-reit-riet-top10holdings.jpg</image:loc><image:title>2022-09-10_etf-reit-riet-top10holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-14_reit-riet-cover.jpg</image:loc><image:title>2022-09-14_REIT-RIET-COVER</image:title><image:caption>Is REIT ETF RIET right for long-term investors?</image:caption></image:image><lastmod>2022-09-14T20:54:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/12/understanding-dividend-reinvestment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-12_fidelity-dividendsandcapitalgains-02.jpg</image:loc><image:title>2022-09-12_fidelity-dividendsandcapitalgains-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-12_fidelity-dividendsandcapitalgains-01.jpg</image:loc><image:title>2022-09-12_fidelity-dividendsandcapitalgains-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-12-dividendreinvestment.jpg</image:loc><image:title>2022-09-12 DividendReinvestment</image:title><image:caption>Understanding DIvidend Reinvestment. Easy is not necessarily better.</image:caption></image:image><lastmod>2022-09-11T21:33:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/09/real-estate-reits-and-inflation/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_aaii-growthstocks-peloton.jpg</image:loc><image:title>2022-09-06_aaii-growthstocks-peloton</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_dividends-raining-seekingalpha.jpg</image:loc><image:title>2022-09-06_dividends-raining-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/reits-nareit.png</image:loc><image:title>reits-nareit</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_reits-and-highinflation.jpg</image:loc><image:title>2022-09-06_reits-and-highinflation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_dividendincome-2003-2021.jpg</image:loc><image:title>2022-09-06_dividendincome-2003-2021</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-09_reit-holdings.jpg</image:loc><image:title>2022-09-09_reit-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_dividends-1960-2021-hartfordfunds.jpg</image:loc><image:title>2022-09-06_dividends-1960-2021-hartfordfunds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-06_dividends-2009-2022-janushenderson.jpg</image:loc><image:title>2022-09-06_dividends-2009-2022-janushenderson</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-09_reits-seeking-alpha-flavors-cover.jpg</image:loc><image:title>2022-09-09_REITS-SEEKING-ALPHA-FLAVORS-COVER</image:title><image:caption>Is Real Estate a Good Investment During Periods of High Inflation?</image:caption></image:image><lastmod>2022-09-09T01:24:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/07/global-ship-lease-inc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-seekingalpha-eps-estimates.jpg</image:loc><image:title>2022-09-07_gsl-seekingalpha-eps-estimates</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-seekingalpha-dividend-scorecard.jpg</image:loc><image:title>2022-09-07_gsl-seekingalpha-dividend-scorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-seekingalpha-summary.jpg</image:loc><image:title>2022-09-07_gsl-seekingalpha-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-seekingalpha.jpg</image:loc><image:title>2022-09-07_gsl-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-wlw-roth-ira.jpg</image:loc><image:title>2022-09-07_gsl-wlw-roth-ira</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-cover.jpg</image:loc><image:title>2022-09-07_GSL-COVER</image:title><image:caption>GSL is a small-cap International Investment in the shipping sector.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-07_gsl-allaccounts.jpg</image:loc><image:title>2022-09-07_gsl-allaccounts</image:title></image:image><lastmod>2022-09-07T12:38:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/02/root-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-02-marktwain-root-cover.jpg</image:loc><image:title>2022-09-02 MarkTwain-ROOT-COVER</image:title><image:caption>Mark Twain often said funny things about money, politics, and investing.</image:caption></image:image><lastmod>2022-09-03T01:40:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/09/01/evaluating-fidelitys-contrafund-and-diworsification/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-01_fcntx-fidelitycontrafund.jpg</image:loc><image:title>2022-09-01_fcntx-fidelitycontrafund</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-01_fcntx-fidelitycontrafund-summary.jpg</image:loc><image:title>2022-09-01_fcntx-fidelitycontrafund-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/09/2022-09-01-topheavy-cover.jpg</image:loc><image:title>2022-09-01 TopHeavy-COVER</image:title><image:caption>Diworsification or Diversification? The distinction matters.</image:caption></image:image><lastmod>2022-09-01T13:33:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/31/etf-investing-education-for-grandchildren/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-22_etf-dividends-performance-oney.jpg</image:loc><image:title>2022-08-22_etf-dividends-performance-oney</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-22_etf-grades-seekingalpha-oney.jpg</image:loc><image:title>2022-08-22_etf-grades-seekingalpha-oney</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-22_fidelity-cds-01.jpg</image:loc><image:title>2022-08-22_fidelity-cds-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-22_fidelity-cds-02.jpg</image:loc><image:title>2022-08-22_fidelity-cds-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-22_mia-youth-account-holdings.jpg</image:loc><image:title>2022-08-22_mia-youth-account-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-31_investingeducation-utma-balances-history.jpg</image:loc><image:title>2022-08-31_investingeducation-utma-balances-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-31_investingeducation-utma-income-history.jpg</image:loc><image:title>2022-08-31_investingeducation-utma-income-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-31_investingeducation-cover.jpg</image:loc><image:title>2022-08-31_InvestingEducation-COVER</image:title><image:caption>Four of My Favorite Young Ladies - Yes, Cindie is young!</image:caption></image:image><lastmod>2022-08-31T15:29:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/26/wayne-and-cindie-august-2022-investment-portfolio-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-26_quickenassetallocation-type.jpg</image:loc><image:title>2022-08-26_quickenassetallocation-type</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-26_quickenassetallocation-ticker.jpg</image:loc><image:title>2022-08-26_quickenassetallocation-ticker</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-25_portfolio-buildingblocks-cover.jpg</image:loc><image:title>2022-08-25_PORTFOLIO-BuildingBlocks-COVER</image:title><image:caption>August 2022 Investment Portfolio Update</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24_2022-monthlyoptions-dividends-ytd.jpg</image:loc><image:title>2022-08-24_2022-monthlyoptions-dividends-ytd</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24_2022-monthlyoptions-trades-ytd.jpg</image:loc><image:title>2022-08-24_2022-monthlyoptions-trades-ytd</image:title></image:image><lastmod>2022-08-26T12:23:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/25/how-to-spot-a-bad-reit/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-25_ilpt-seekingalpha-td-dividend-history.jpg</image:loc><image:title>2022-08-25_ilpt-seekingalpha-td-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-25_ilpt-seekingalpha-dividend-history.jpg</image:loc><image:title>2022-08-25_ilpt-seekingalpha-dividend-history</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-25_ilpt-seekingalpha-quant.jpg</image:loc><image:title>2022-08-25_ilpt-seekingalpha-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-25_ilpt-bear-cover.jpg</image:loc><image:title>2022-08-25_ILPT-Bear-COVER</image:title><image:caption>How to Spot a Bad REIT using ILPT as an example</image:caption></image:image><lastmod>2022-08-25T15:04:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/24/inflation-is-heating-up-and-it-isnt-good/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24-naturalgas-cover.jpg</image:loc><image:title>2022-08-24 NaturalGas-COVER</image:title><image:caption>Natural Gas price increases will help fuel inflation.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24_naturalgas-graph.jpg</image:loc><image:title>2022-08-24_naturalgas-graph</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24_naturalgas-electricitygeneration.jpg</image:loc><image:title>2022-08-24_naturalgas-electricitygeneration</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-24_naturalgas-europe.jpg</image:loc><image:title>2022-08-24_naturalgas-europe</image:title></image:image><lastmod>2022-08-24T11:28:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/23/understanding-dividend-announcements/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_bns-dividendconversion.jpg</image:loc><image:title>2022-08-23_bns-dividendconversion</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_fidelity-wm.jpg</image:loc><image:title>2022-08-23_fidelity-wm</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_seekingalpha-wm-dividendscorecard.jpg</image:loc><image:title>2022-08-23_seekingalpha-wm-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_seekingalpha-email-wm.jpg</image:loc><image:title>2022-08-23_seekingalpha-email-wm</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_seekingalpha-email-bns.jpg</image:loc><image:title>2022-08-23_seekingalpha-email-bns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-23_seekingalpha-email-inbox.jpg</image:loc><image:title>2022-08-23_seekingalpha-email-inbox</image:title></image:image><lastmod>2022-08-23T13:00:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/21/view-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-20_response-cover.jpg</image:loc><image:title>2022-08-20_Response-COVER</image:title><image:caption>God's view: No response is a response.</image:caption></image:image><lastmod>2022-08-26T15:35:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/17/prophase-labs-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-17_prph-seekingalpha-summary.jpg</image:loc><image:title>2022-08-17_prph-seekingalpha-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-17_wayne-prph-atp-holdings-coveredcall2.jpg</image:loc><image:title>2022-08-17_wayne-prph-atp-holdings-coveredcall2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-17_wayne-prph-atp-holdings-coveredcall.jpg</image:loc><image:title>2022-08-17_wayne-prph-atp-holdings-coveredcall</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-17_coveredcalltrade-prph.jpg</image:loc><image:title>2022-08-17_CoveredCallTrade-PRPH</image:title><image:caption>A Covered Call Option is an excellent way to gain income by selling contracts on shares you own.</image:caption></image:image><lastmod>2022-08-17T01:34:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/12/forget-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-12_dont-forget-godspurpose.jpg</image:loc><image:title>2022-08-12_dont-forget-godspurpose</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-12_clock-calendar-forget-mostimportantday.jpg</image:loc><image:title>2022-08-12_clock-calendar-forget-mostimportantday</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-12_mirror-forget-cover.jpg</image:loc><image:title>2022-08-12_MIRROR-FORGET-COVER</image:title><image:caption>James 1:23-25 Do you forget what you look like? Do you remember who you are? Do you know what you should look like?</image:caption></image:image><lastmod>2022-08-15T17:11:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/12/three-industrial-reits-out-of-fourteen/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag_fr_dre-summary-data-1.jpg</image:loc><image:title>2022-08-11_stag_fr_dre-summary-data-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag_fr_dre2.jpg</image:loc><image:title>2022-08-11_stag_fr_dre2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag_fr_dre-dividends.jpg</image:loc><image:title>2022-08-11_stag_fr_dre-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag_fr_dre.jpg</image:loc><image:title>2022-08-11_stag_fr_dre</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_fidelity-stag-vs-inds.jpg</image:loc><image:title>2022-08-11_fidelity-stag-vs-inds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_sa-compare-stag-dre-fr-etf-inds-1.jpg</image:loc><image:title>2022-08-11_sa-compare-stag-dre-fr-etf-inds-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_fidelity-compare-stag-dre-fr-02.jpg</image:loc><image:title>2022-08-11_fidelity-compare-stag-dre-fr-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_fidelity-compare-stag-dre-fr-01.jpg</image:loc><image:title>2022-08-11_fidelity-compare-stag-dre-fr-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_sa-compare-stag-dre-fr-etf-inds.jpg</image:loc><image:title>2022-08-11_sa-compare-stag-dre-fr-etf-inds</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag_fr_dre-summary-data.jpg</image:loc><image:title>2022-08-11_stag_fr_dre-summary-data</image:title></image:image><lastmod>2022-08-12T01:09:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/11/stag-amazon-reits-and-the-long-haul/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-website-summer-2022-presentation-02.jpg</image:loc><image:title>2022-08-11_stag-website-summer-2022-presentation-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-website-summer-2022-presentation-03.jpg</image:loc><image:title>2022-08-11_stag-website-summer-2022-presentation-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-website-summer-2022-presentation-01.jpg</image:loc><image:title>2022-08-11_stag-website-summer-2022-presentation-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-earningshistory.jpg</image:loc><image:title>2022-08-11_stag-earningshistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-website-01.jpg</image:loc><image:title>2022-08-11_stag-website-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_diversification-20year-annualized-return-jpmorgan.jpg</image:loc><image:title>2022-08-11_diversification-20year-annualized-return-jpmorgan</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-11_stag-roi-cover.jpg</image:loc><image:title>2022-08-11_STAG-ROI-COVER</image:title><image:caption>You want ROI for your investments. ROI is Return on Investment. Consider STAG.</image:caption></image:image><lastmod>2022-08-11T14:52:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/09/a-new-actively-managed-dividend-etf/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_touchstone-cover-1.jpg</image:loc><image:title>2022-08-09_touchstone-cover-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_dvdn-holdings.jpg</image:loc><image:title>2022-08-09_dvdn-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_dvdn-touchstone-nav.jpg</image:loc><image:title>2022-08-09_dvdn-touchstone-nav</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_vym-etf-com-nav.jpg</image:loc><image:title>2022-08-09_vym-etf-com-nav</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_vym-marketwatch-nav.jpg</image:loc><image:title>2022-08-09_vym-marketwatch-nav</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_touchstone-cover.jpg</image:loc><image:title>2022-08-09_Touchstone-COVER</image:title><image:caption>Touchstone Dividend Select ETF TICKER: DVDN</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-09_wayneroth-ira-1yearreturns.jpg</image:loc><image:title>2022-08-09_wayneroth-ira-1yearreturns</image:title></image:image><lastmod>2022-08-10T19:37:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/10/a-new-discovery-for-my-ira-is-prophase/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_asrt-prph-pfe-abbv-seekingalpha-dividendcompare.jpg</image:loc><image:title>2022-08-10_asrt-prph-pfe-abbv-seekingalpha-dividendcompare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_asrt-prph-pfe-abbv-seekingalpha-quant-compare2.jpg</image:loc><image:title>2022-08-10_asrt-prph-pfe-abbv-seekingalpha-quant-compare2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_asrt-prph-pfe-abbv-seekingalpha-quant-compare.jpg</image:loc><image:title>2022-08-10_asrt-prph-pfe-abbv-seekingalpha-quant-compare</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_prophase-seekingalpha-quant.jpg</image:loc><image:title>2022-08-10_prophase-seekingalpha-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_asrt-seekingalpha-quant.jpg</image:loc><image:title>2022-08-10_asrt-seekingalpha-quant</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-10_prophase-cover.jpg</image:loc><image:title>2022-08-10_ProPhase-COVER</image:title><image:caption>ProPhase Labs (Ticker Symbol PRPH)</image:caption></image:image><lastmod>2022-08-10T11:47:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/06/real-estate-with-an-international-medical-focus/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-seekingalpha-dividendhistory.jpg</image:loc><image:title>2022-08-06_mpw-seekingalpha-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-seekingalpha-summary.jpg</image:loc><image:title>2022-08-06_mpw-seekingalpha-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-seekingalpha-dividends.jpg</image:loc><image:title>2022-08-06_mpw-seekingalpha-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-seekingalpha-dividend-consistency.jpg</image:loc><image:title>2022-08-06_mpw-seekingalpha-dividend-consistency</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-portfolio-country.jpg</image:loc><image:title>2022-08-06_mpw-portfolio-country</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-portfolio-facilitytype.jpg</image:loc><image:title>2022-08-06_mpw-portfolio-facilitytype</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-portfolio-usa.jpg</image:loc><image:title>2022-08-06_mpw-portfolio-usa</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-portfolio-main.jpg</image:loc><image:title>2022-08-06_mpw-portfolio-main</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_aug1-5-trades.jpg</image:loc><image:title>2022-08-06_aug1-5-trades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-06_mpw-realestate-main.jpg</image:loc><image:title>2022-08-06_MPW-REALESTATE-MAIN</image:title><image:caption>Where to invest in real estate?</image:caption></image:image><lastmod>2022-08-06T14:33:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/05/together-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-05_together-warm-02.jpg</image:loc><image:title>A,Nice,Girl,And,Her,Grandmother,Enjoying,Warm,Beverages.,Good</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-05_together-helping-01.jpg</image:loc><image:title>Smiling,Nurse,With,Face,Mask,Helping,Senior,Woman,To,Walk</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-05_together-cover.jpg</image:loc><image:title>2022-08-05_Together-COVER</image:title><image:caption>Together: Two are better than one.</image:caption></image:image><lastmod>2022-08-05T21:44:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/08/04/worldview-investing-esg-investing-revisited/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-04_esg-shutterstock_2145713115.jpg</image:loc><image:title>Esg,Concept,On,Green,Background,Environmental,Social,Governance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-04_esg-shutterstock_1771716788.jpg</image:loc><image:title>Esg,Concept,As,Environmental,And,Social,Governance,With,Business</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-04_ashwathdamodaran.jpg</image:loc><image:title>2022-08-04_ashwathdamodaran</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/08/2022-08-04_worldview-investing-cover.jpg</image:loc><image:title>2022-08-04_WORLDVIEW-INVESTING-COVER</image:title><image:caption>Worldview Investing Potholes to Avoid</image:caption></image:image><lastmod>2022-08-04T00:22:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/29/be-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-29_fmf-be-satisfied-commentary-resources-eccl.jpg</image:loc><image:title>2022-07-29_fmf-be-satisfied-commentary-resources-eccl</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-29_fmf-be-cover.jpg</image:loc><image:title>2022-07-29_FMF-BE-COVER</image:title><image:caption>Ecclesiastes: BE Satisfied by Warren W. Wiersbe</image:caption></image:image><lastmod>2022-07-30T21:08:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/25/wayne-and-cindie-july-2022-investment-portfolio-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-24_stx-seekingalpha-dividendscorecard.jpg</image:loc><image:title>2022-07-24_stx-seekingalpha-dividendscorecard</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-18_dividend-etfs.jpg</image:loc><image:title>2022-07-18_dividend-etfs</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-22_topteninvestments-update.jpg</image:loc><image:title>2022-07-22_topteninvestments-update</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-25_portfolio-buildingblocks-cover.jpg</image:loc><image:title>2022-07-25_PORTFOLIO-BuildingBlocks-COVER</image:title><image:caption>Top Ten Investments as of July 22, 2022</image:caption></image:image><lastmod>2022-07-25T18:53:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/15/propose-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-15_fmf-propose-deathofkingahab.jpg</image:loc><image:title>2022-07-15_fmf-propose-deathofkingahab</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-15_fmf-propose-cover.jpg</image:loc><image:title>2022-07-15_FMF-PROPOSE-COVER</image:title><image:caption>Elijah versus Ahab and 850 false prophets in 1 Kings 18</image:caption></image:image><lastmod>2022-07-15T15:50:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/12/speculation-and-investments-to-avoid/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-12-speculation-cover.jpg</image:loc><image:title>2022-07-12 Speculation-COVER</image:title><image:caption>Speculation and Investments to Avoid</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-12_upst-seekingalpha.jpg</image:loc><image:title>2022-07-12_upst-seekingalpha</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-12-speculation-gambling.jpg</image:loc><image:title>2022-07-12-speculation-gambling</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-12-speculation-homerun.jpg</image:loc><image:title>2022-07-12-speculation-homerun</image:title></image:image><lastmod>2022-07-12T21:07:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/08/twenty-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-08_disciples-john13-35.jpg</image:loc><image:title>2022-07-08_disciples-john13-35</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-08_twenty-cover.jpg</image:loc><image:title>2022-07-08_Twenty-COVER</image:title><image:caption>20/20 Vision and 20/20 Hindsight</image:caption></image:image><lastmod>2022-07-09T18:29:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/07/understanding-dividend-frequency/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-07-riotinto.jpg</image:loc><image:title>2022-07-07-riotinto</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-07-dividendfrequency-cover.jpg</image:loc><image:title>2022-07-07 DividendFrequency-COVER</image:title><image:caption>Dividend Frequency Varies by Company and Country</image:caption></image:image><lastmod>2022-07-07T02:05:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/06/understanding-dividend-payout-ratio/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-06-dividendpayoutratio-cover.jpg</image:loc><image:title>2022-07-06-DividendPayoutRatio-COVER</image:title><image:caption>Dividend Payout Ratio - 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Don't be ignorant!</image:caption></image:image><lastmod>2022-07-04T14:08:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/07/01/trust-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-01-trust-fmf-cover.jpg</image:loc><image:title>2022-07-01 TRUST-FMF-COVER</image:title><image:caption>Psalm 20:7 Put your trust in the Good Shepherd.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-01_trust-ecclesiastes12.jpg</image:loc><image:title>2022-07-01_trust-ecclesiastes12</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/07/2022-07-01_trustagreementamendment.jpg</image:loc><image:title>2022-07-01_trustagreementamendment</image:title></image:image><lastmod>2022-07-04T10:41:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/24/aware-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_simplisafe-keypad-off-and-home.jpg</image:loc><image:title>2022-06-24_simplisafe-keypad-off-and-home</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_simplisafe-sign.jpg</image:loc><image:title>2022-06-24_simplisafe-sign</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_simplisafe-base-off-home.jpg</image:loc><image:title>2022-06-24_simplisafe-base-off-home</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_simplisafe-email-alerts.jpg</image:loc><image:title>2022-06-24_simplisafe-email-alerts</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_simplisafe-iphone-devices.jpg</image:loc><image:title>2022-06-24_simplisafe-iphone-devices</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-24_fmf-aware-cover.jpg</image:loc><image:title>2022-06-24_FMF-AWARE-COVER</image:title><image:caption>Are you SimpliSafe and are you really Safe?</image:caption></image:image><lastmod>2022-06-25T13:48:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/23/retirement-strategy-fundamentals/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-tasks.jpg</image:loc><image:title>2022-06-23_investingstrategy-tasks</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-learn.jpg</image:loc><image:title>2022-06-23_investingstrategy-learn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-rules.jpg</image:loc><image:title>2022-06-23_investingstrategy-rules</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-investmenttypes-portfolio.jpg</image:loc><image:title>2022-06-23_investingstrategy-investmenttypes-portfolio</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-objectives.jpg</image:loc><image:title>2022-06-23_investingstrategy-objectives</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-23_investingstrategy-cover.jpg</image:loc><image:title>2022-06-23_InvestingStrategy-COVER</image:title><image:caption>To win in chess, have a strategy. To succeed in retirement, have a strategy</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/sun-tzu-strategy-tactics.jpg</image:loc><image:title>sun-tzu-strategy-tactics</image:title></image:image><lastmod>2022-06-23T12:27:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/22/wayne-and-cindie-2022-investment-portfolio-update/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-21_portfolio-buildingblocks-cover.jpg</image:loc><image:title>2022-06-21_PORTFOLIO-BuildingBlocks-COVER</image:title><image:caption>Our Retirement Investment Building 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Market</image:caption></image:image><lastmod>2022-06-16T11:51:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/14/roth-ira-conversions-to-avoid/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_ford-lane-assistance-03.jpg</image:loc><image:title>2022-06-14_ford-lane-assistance-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_ford-lane-assistance-02.jpg</image:loc><image:title>2022-06-14_ford-lane-assistance-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_ford-lane-assistance-01.jpg</image:loc><image:title>2022-06-14_ford-lane-assistance-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_stor-atp-600-shares-03.jpg</image:loc><image:title>2022-06-14_stor-atp-600-shares-03</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_stor-atp-600-shares-02.jpg</image:loc><image:title>2022-06-14_stor-atp-600-shares-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_stor-atp-600-shares-01.jpg</image:loc><image:title>2022-06-14_stor-atp-600-shares-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-14_avoid-conversion-cover.jpg</image:loc><image:title>2022-06-14_Avoid-Conversion-COVER</image:title><image:caption>ROTH IRA Conversions You Should Avoid</image:caption></image:image><lastmod>2022-06-14T13:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/13/schd-roth-ira-conversion-2022-2nd-edition/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-300shares-roth-ira-afterconversion2.jpg</image:loc><image:title>2022-06-11_schd-300shares-roth-ira-afterconversion2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-200shares-traditionalira-research.jpg</image:loc><image:title>2022-06-11_schd-200shares-traditionalira-research</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-sa-etf-summary.jpg</image:loc><image:title>2022-06-11_schd-sa-etf-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-sa-etf-dividendpayouthistory.jpg</image:loc><image:title>2022-06-11_schd-sa-etf-dividendpayouthistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-sa-etf-dividendhistory.jpg</image:loc><image:title>2022-06-11_schd-sa-etf-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-sa-etf-dividendsummary.jpg</image:loc><image:title>2022-06-11_schd-sa-etf-dividendsummary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-sa-etf-dividendgrade.jpg</image:loc><image:title>2022-06-11_schd-sa-etf-dividendgrade</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-peers-sa-etf-grades.jpg</image:loc><image:title>2022-06-11_schd-peers-sa-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-300shares-roth-ira-beforeconversion.jpg</image:loc><image:title>2022-06-11_schd-300shares-roth-ira-beforeconversion</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-11_schd-200shares-traditionalira.jpg</image:loc><image:title>2022-06-11_schd-200shares-traditionalira</image:title></image:image><lastmod>2022-06-13T17:51:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/10/stir-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_jamesesmith-thewisdomliteratureandpsalmspg.jpg</image:loc><image:title>2022-06-10_jamesesmith-thewisdomliteratureandpsalmspg</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/matthew_henry_portrait.jpg</image:loc><image:title>matthew_henry_portrait</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_matthewhenrycommentaryset.jpg</image:loc><image:title>2022-06-10_matthewhenrycommentaryset</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_fmf-stir-cover.jpg</image:loc><image:title>2022-06-10_FMF-STIR-COVER</image:title><image:caption>Proverbs 15:1 A gentle answer turns away wrath. Don't stir others up!</image:caption></image:image><lastmod>2022-06-12T17:32:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/10/top-ten-small-cap-stocks/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_toptensmallcapinvestments-financials.jpg</image:loc><image:title>2022-06-10_toptensmallcapinvestments-financials</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_toptensmallcapinvestments.jpg</image:loc><image:title>2022-06-10_toptensmallcapinvestments</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-10_toptensmallcapinvestments-cover.jpg</image:loc><image:title>2022-06-10_TopTenSmallCapInvestments-COVER</image:title><image:caption>Top Ten Small Cap Investments</image:caption></image:image><lastmod>2022-06-10T00:25:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/09/the-need-for-life-insurance/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-09_lifeinsurance-cover.jpg</image:loc><image:title>2022-06-09_LifeInsurance-COVER</image:title><image:caption>Life Insurance is a solution for loving and providing.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-09_dividendincomegrowth.jpg</image:loc><image:title>2022-06-09_dividendincomegrowth</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-09_verstorben.jpg</image:loc><image:title>2022-06-09_verstorben</image:title></image:image><lastmod>2022-06-09T01:37:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/07/etf-dividend-growth-detective/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_seekingalpha-etf-vym-dividendhistory-download.jpg</image:loc><image:title>2022-06-07_seekingalpha-etf-vym-dividendhistory-download</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_seekingalpha-etf-vym-dividendhistory.jpg</image:loc><image:title>2022-06-07_seekingalpha-etf-vym-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_seekingalpha-etf-nobl-dividendhistory.jpg</image:loc><image:title>2022-06-07_seekingalpha-etf-nobl-dividendhistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_seekingalpha-etf-screener-largecap-growth-spyd-hdv.jpg</image:loc><image:title>2022-06-07_seekingalpha-etf-screener-largecap-growth-spyd-hdv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_seekingalpha-etf-screener-largecap-yield-spyd-hdv.jpg</image:loc><image:title>2022-06-07_seekingalpha-etf-screener-largecap-yield-spyd-hdv</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-07_dividendgrowth-detective-cover.jpg</image:loc><image:title>2022-06-07_DividendGrowth-Detective-COVER</image:title><image:caption>ETF Dividend Growth Detective</image:caption></image:image><lastmod>2022-06-07T21:24:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/04/preparing-for-death-as-an-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-04_investmenttypes.jpg</image:loc><image:title>2022-06-04_investmenttypes</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-04_lastwillandtestament.jpg</image:loc><image:title>2022-06-04_lastwillandtestament</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-04_thingstodo.jpg</image:loc><image:title>2022-06-04_ThingsTodo</image:title><image:caption>Things to do before I die. A bucket list?</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-04_ira-withdrawal-illustrations.jpg</image:loc><image:title>2022-06-04_ira-withdrawal-illustrations</image:title></image:image><lastmod>2022-06-04T21:20:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/03/danger-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-03_danger-cover.jpg</image:loc><image:title>2022-06-03_DANGER-Cover</image:title><image:caption>Danger of the Worst Possible Kind</image:caption></image:image><lastmod>2022-06-04T21:48:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/06/02/why-i-am-beating-the-market/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_etfcom-spy-vs-vym-top-ten-holdings.jpg</image:loc><image:title>2022-06-02_etfcom-spy-vs-vym-top-ten-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_etfcom-spy-vs-vym-performancechart.jpg</image:loc><image:title>2022-06-02_etfcom-spy-vs-vym-performancechart</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_etfcom-spy-vs-vym-expense-holdings.jpg</image:loc><image:title>2022-06-02_etfcom-spy-vs-vym-expense-holdings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_seekingalpha-spy-vs-vym-etf-dividends.jpg</image:loc><image:title>2022-06-02_seekingalpha-spy-vs-vym-etf-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_seekingalpha-spy-vs-vym-etf-grades.jpg</image:loc><image:title>2022-06-02_seekingalpha-spy-vs-vym-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/06/2022-06-02_bear-cover.jpg</image:loc><image:title>2022-06-02_Bear-COVER</image:title><image:caption>Strategy Matters in Retirement and Before Retirement. Do you have an investment strategy?</image:caption></image:image><lastmod>2022-06-02T11:53:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/24/bye-bye-bonds/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-24_bye-bye-bonds-cover.jpg</image:loc><image:title>2022-05-24_BYE-BYE-BONDS-COVER</image:title><image:caption>Bye Bye Bond ETF VCLT</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-24_fidelity-assetallocation.jpg</image:loc><image:title>2022-05-24_fidelity-assetallocation</image:title></image:image><lastmod>2022-05-25T12:20:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/18/swiss-army-knife-trading-tool/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_tradearmor-cover2-1.jpg</image:loc><image:title>2022-05-18_TradeArmor-COVER2</image:title><image:caption>Active Trader Pro has the best blades for so many investment tasks.</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-options-monthly-2-1.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-options-monthly-2-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-options-monthly-2.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-options-monthly-2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-options-monthly-1-1.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-options-monthly-1-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-options-monthly-1.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-options-monthly-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-research.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-research</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-indicators.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-indicators</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_cm-atp-tradearmor-indicators.jpg</image:loc><image:title>2022-05-18_cm-atp-tradearmor-indicators</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_vym-atp-tradearmor-menu.jpg</image:loc><image:title>2022-05-18_vym-atp-tradearmor-menu</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-18_tradearmor-cover2.jpg</image:loc><image:title>2022-05-18_tradearmor-cover2</image:title></image:image><lastmod>2022-05-18T12:17:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/16/roger-meyer-a-friend-who-lived-the-gospel/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_roger-deb-ron.jpg</image:loc><image:title>2022-05-16_roger-deb-ron</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-17_byrds-turnturnturn.jpg</image:loc><image:title>2022-05-17_byrds-turnturnturn</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-13_rogermeyerobituarypage.jpg</image:loc><image:title>2022-05-13_rogermeyerobituarypage</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-17_rogermeyer-eccl3-1_13.jpg</image:loc><image:title>2022-05-17_rogermeyer-eccl3-1_13</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-rogermeyer-georgeschultz.jpg</image:loc><image:title>2022-rogermeyer-georgeschultz</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-rogermeyer-violetschultz1.jpg</image:loc><image:title>2022-rogermeyer-violetschultz1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-rogermeyer-awana-1.jpg</image:loc><image:title>2022-rogermeyer-awana-1</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-rogermeyer-awana-2.jpg</image:loc><image:title>2022-rogermeyer-awana-2</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2018-08-23-rogermeyer-tractor.jpg</image:loc><image:title>2018-08-23-rogermeyer-tractor</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2020-02-04-rogermeyer-icecream.jpg</image:loc><image:title>2020-02-04-rogermeyer-icecream</image:title></image:image><lastmod>2022-05-19T16:10:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/16/comparison-of-four-dividend-growth-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-topten.jpg</image:loc><image:title>2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-topten</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-concentrationrisk.jpg</image:loc><image:title>2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-concentrationrisk</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-performance.jpg</image:loc><image:title>2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-performance</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-dividends.jpg</image:loc><image:title>2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-grades.jpg</image:loc><image:title>2022-05-16_vym-schd-dgro-dvy-seekingalpha-etf-grades</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-16_vym-schd-dgro-dvy-etf-candybars-cover.jpg</image:loc><image:title>2022-05-16_VYM-SCHD-DGRO-DVY-ETF-CandyBars-COVER</image:title><image:caption>Flavors of Dividend Growth ETF Investments are like chocolate flavors.I like my chocolate DARK.</image:caption></image:image><lastmod>2022-05-14T23:24:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/13/vision-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-13_vision-cover.jpg</image:loc><image:title>2022-05-13_VISION-COVER</image:title><image:caption>Losing physical sight is frightening. Lacking spiritual sight is deadly.</image:caption></image:image><lastmod>2022-05-14T01:49:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/12/long-term-investment-perspective/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_allaccounts-20year-balances.jpg</image:loc><image:title>2022-05-12_allaccounts-20year-balances</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_allaccounts-20year-income.jpg</image:loc><image:title>2022-05-12_allaccounts-20year-income</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_wayneroth-ira-1year-returns.jpg</image:loc><image:title>2022-05-12_wayneroth-ira-1year-returns</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_wayneroth-ira-2year-balancehistory.jpg</image:loc><image:title>2022-05-12_wayneroth-ira-2year-balancehistory</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_wayneroth-ira-assetallocation.jpg</image:loc><image:title>2022-05-12_wayneroth-ira-assetallocation</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-12_longterminvestmentperspective-cover.jpg</image:loc><image:title>2022-05-12_LongTermInvestmentPerspective-COVER</image:title><image:caption>Long-Term Investors know that strategy and perspective matter</image:caption></image:image><lastmod>2022-05-12T12:13:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/11/move-it-move-it-transportation-industrials/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_gsl-fidelityanalystopinions.jpg</image:loc><image:title>2022-05-09_gsl-fidelityanalystopinions</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-11_gsl-seekingalpha-email.jpg</image:loc><image:title>2022-05-11_gsl-seekingalpha-email</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_gsl-seekingalpha-dividends.jpg</image:loc><image:title>2022-05-09_gsl-seekingalpha-dividends</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-11_gsl-seekingalpha-summary-ratings.jpg</image:loc><image:title>2022-05-11_gsl-seekingalpha-summary-ratings</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-11_moveittransportationindustrials-cover.jpg</image:loc><image:title>2022-05-11_MoveItTransportationIndustrials-COVER</image:title><image:caption>I like Global Ship Lease for Moving It</image:caption></image:image><lastmod>2022-05-11T11:55:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/10/unanswerable-investment-questions/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-10_may-9-buys.jpg</image:loc><image:title>2022-05-10_may-9-buys</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-10_unanswerableinvestmentquestions-cover.jpg</image:loc><image:title>2022-05-10_UnanswerableInvestmentQuestions-COVER</image:title><image:caption>Unanswerable Investment Questions</image:caption></image:image><lastmod>2022-05-10T15:25:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/09/why-i-am-a-dividend-growth-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-2019-2022-3year.jpg</image:loc><image:title>2022-05-09_dividendgrowth-2019-2022-3year</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-2017-2022-5year.jpg</image:loc><image:title>2022-05-09_dividendgrowth-2017-2022-5year</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-2021-2022-1year.jpg</image:loc><image:title>2022-05-09_dividendgrowth-2021-2022-1year</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-2003-2022b.jpg</image:loc><image:title>2022-05-09_dividendgrowth-2003-2022b</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-2003-2022.jpg</image:loc><image:title>2022-05-09_dividendgrowth-2003-2022</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-reasons-reasons-stars.jpg</image:loc><image:title>2022-05-09_dividendgrowth-reasons-reasons-stars</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-ko.jpg</image:loc><image:title>2022-05-09_dividendgrowth-ko</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-09_dividendgrowth-reasons-cover.jpg</image:loc><image:title>2022-05-09_DividendGrowth-Reasons-COVER</image:title><image:caption>Five reasons I am a dividend growth investor.</image:caption></image:image><lastmod>2022-05-09T14:27:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/06/both-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_desiringgod-quote-02.jpg</image:loc><image:title>2022-05-06_desiringgod-quote-02</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_desiringgod-quote-01.jpg</image:loc><image:title>2022-05-06_desiringgod-quote-01</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_pair-both-cover.jpg</image:loc><image:title>2022-05-06_Pair-BOTH-COVER</image:title><image:caption>Sin is not just one thing. It is a "both" kind of problem.</image:caption></image:image><lastmod>2022-05-11T21:00:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/06/financial-illiteracy-may-be-the-norm/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_aaii-financialliteracy-page5b.jpg</image:loc><image:title>2022-05-06_aaii-financialliteracy-page5b</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_medicare-threewords.jpg</image:loc><image:title>2022-05-06_medicare-threewords</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_aaii-financialliteracy-page5a.jpg</image:loc><image:title>2022-05-06_aaii-financialliteracy-page5a</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-06_financialliteracy-cover.jpg</image:loc><image:title>2022-05-06_FinancialLiteracy-COVER</image:title><image:caption>Basic financial literacy is more uncommon than you might think.</image:caption></image:image><lastmod>2022-05-06T02:13:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/04/comparing-dividend-etfs-vig-and-vym/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-04_seekingalpha-vym-highdividendyield-etf.jpg</image:loc><image:title>2022-05-04_seekingalpha-vym-highdividendyield-etf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-04_seekingalpha-vig-dividendappreciationetf.jpg</image:loc><image:title>2022-05-04_seekingalpha-vig-dividendappreciationetf</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-04_dividends-vig-vym-cover.jpg</image:loc><image:title>2022-05-04_DIVIDENDS-VIG-VYM-COVER</image:title><image:caption>How are VIG and VYM similar and different?</image:caption></image:image><lastmod>2022-05-04T01:52:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/03/investing-greed-fear-blood-and-pessimism/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-03_seekingalpha-gild-summary.jpg</image:loc><image:title>2022-05-03_seekingalpha-gild-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-03_seekingalpha-pbr-summary.jpg</image:loc><image:title>2022-05-03_seekingalpha-pbr-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-03_seekingalpha-amzn-summary.jpg</image:loc><image:title>2022-05-03_seekingalpha-amzn-summary</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-03_fear-greed-blood-pessimism.jpg</image:loc><image:title>2022-05-03_fear-greed-blood-pessimism</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-03_greed-fear-blood-pessimism-cover.jpg</image:loc><image:title>2022-05-03_Greed-Fear-Blood-Pessimism-COVER</image:title><image:caption>What do Buffett, Templeton and Rothschild all have in common?</image:caption></image:image><lastmod>2022-05-03T13:04:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/02/inflation-and-the-bond-holder/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-02_bonds-swindle-cover.jpg</image:loc><image:title>2022-05-02_Bonds-Swindle-COVER</image:title><image:caption>"Inflation swindles the bond investor" - Warren Buffett</image:caption></image:image><lastmod>2022-05-02T23:51:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/05/01/fast-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/05/2022-05-01_fmf-fast-cover.jpg</image:loc><image:title>2022-05-01_FMF-FAST-COVER</image:title><image:caption>Fast: A symbol for Fastenal Company, moving quickly, hanging on or skipping meals?</image:caption></image:image><lastmod>2022-05-02T13:27:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/28/the-heat-map-of-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-28_hot-cold-investments-cover.jpg</image:loc><image:title>2022-04-28_Hot-Cold-Investments-COVER</image:title><image:caption>Fidelity Active Trader Pro Heat Maps</image:caption></image:image><lastmod>2022-04-28T21:12:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/26/two-pictures-worth-one-thousand-words/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-26_lqd-schd-investment-recommendation-cover.jpg</image:loc><image:title>2022-04-26_LQD-SCHD-Investment-Recommendation-COVER</image:title><image:caption>Comparing SCHD and LQD</image:caption></image:image><lastmod>2022-04-26T13:42:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/17/thats-my-king-sermon-by-s-m-lockridge/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-17_iwishicoulddescribehim-cover.jpg</image:loc><image:title>2022-04-17_IWishICouldDescribeHim-COVER</image:title><image:caption>From S.M. Lockridge Sermon "That's My King!" I wish I could describe him to you!</image:caption></image:image><lastmod>2022-04-16T22:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/18/hypothetical-graphs-can-deceive-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-18_hypothetical-income-investing-cover.jpg</image:loc><image:title>2022-04-18_Hypothetical-Income-Investing-COVER</image:title><image:caption>Investment Graphs that are hypothetical can be misleading.</image:caption></image:image><lastmod>2022-04-18T12:32:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/15/top-ten-investments-includes-three-bdcs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-15_bdc-payday-cover.jpg</image:loc><image:title>2022-04-15_BDC-PAYDAY-COVER</image:title><image:caption>Retirement and Income Paydays from BDCs</image:caption></image:image><lastmod>2022-04-16T00:15:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/14/seagate-sentiment-status-stx/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-14_sentiment-skyfallling-cover.jpg</image:loc><image:title>2022-04-14_Sentiment-SkyFallling-COVER</image:title><image:caption>Seagate Technology Holdings - is the sky falling?</image:caption></image:image><lastmod>2022-04-14T12:56:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/13/inflation-awakens-and-how-i-deal-with-it/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-13_inflation-gas-prices-cover.jpg</image:loc><image:title>2022-04-13_INFLATION-GAS-Prices-COVER</image:title><image:caption>Inflation was always present, but now we see it moving up.</image:caption></image:image><lastmod>2022-04-13T20:08:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/12/retirement-income-strategies/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-12_retirement-income-cover.jpg</image:loc><image:title>2022-04-12_RETIREMENT-INCOME-COVER</image:title><image:caption>Retirement Income Strategies for the long-term investor.</image:caption></image:image><lastmod>2022-04-14T00:13:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/09/building-a-self-paying-annuity/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-09_annuity-lesson-5-cover.jpg</image:loc><image:title>2022-04-09_Annuity-LESSON-5-COVER</image:title><image:caption>A Self-Paying Annuity isn't an annuity. It is far better.</image:caption></image:image><lastmod>2022-04-11T15:14:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/08/explore-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-08_explore-cover.jpg</image:loc><image:title>2022-04-08_EXPLORE-COVER</image:title><image:caption>We should be careful to explore something that really matters: the purpose for our existencew.</image:caption></image:image><lastmod>2022-04-11T19:46:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/07/where-did-i-put-my-crown/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-07-violetbirthdaycrown-cover.jpg</image:loc><image:title>2022-04-07 VioletBirthdayCrown-COVER</image:title><image:caption>My six crowns are Violet, Mia, Noelle, Charlie, Henry, and George.</image:caption></image:image><lastmod>2022-04-07T21:09:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/06/annuity-selection-should-be-data-driven-with-a-blueprint/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-03-27_annuity-lesson-4-cover.jpg</image:loc><image:title>2022-03-27_Annuity-LESSON-4-COVER</image:title><image:caption>Lesson 4: Selecting an Annuity</image:caption></image:image><lastmod>2022-04-06T16:14:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/05/bye-bye-bond-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-05_byebyebonds-cover.jpg</image:loc><image:title>2022-04-05_ByeByeBonds-COVER</image:title><image:caption>Selling Our Bond ETF Investments</image:caption></image:image><lastmod>2022-04-05T14:11:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/03/truth-versus-subjectivism/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-03_subjectivism-fools-cover.jpg</image:loc><image:title>2022-04-03_Subjectivism-Fools-COVER</image:title><image:caption>April Fool's Day is Every Day</image:caption></image:image><lastmod>2022-04-03T12:32:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/04/01/coffee-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/04/2022-04-01-coffee-selfcontrol-cover.jpg</image:loc><image:title>2022-04-01 Coffee-SelfControl-COVER</image:title><image:caption>Moderation and Self-Control and my morning coffee</image:caption></image:image><lastmod>2022-04-02T10:18:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/29/annuity-disadvantages/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-26_annuity-lesson-3-cover.jpg</image:loc><image:title>2022-03-26_Annuity-LESSON-3-COVER</image:title><image:caption>Disadvantages of Annuities - Lesson Three</image:caption></image:image><lastmod>2022-03-29T02:33:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/28/asset-class-allocation-matters/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/smallmidlarge-cap-cover.jpg</image:loc><image:title>SmallMidLarge-Cap-COVER</image:title><image:caption>What are the types of investments in Asset Class Groups?</image:caption></image:image><lastmod>2022-04-02T17:20:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/25/annuity-advantages/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-25_annuity-lesson-2-cover.jpg</image:loc><image:title>2022-03-25_Annuity-LESSON-2-COVER</image:title><image:caption>Lesson 2: Advantages of Annuities</image:caption></image:image><lastmod>2022-03-24T22:18:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/24/annuity-questions-everyone-should-ask/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-24_annuity-lesson-01-cover.jpg</image:loc><image:title>2022-03-24_Annuity-Lesson-01-COVER</image:title><image:caption>Annuity Overview Lesson Number One Proverbs27Flocks</image:caption></image:image><lastmod>2022-03-24T00:24:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/23/top-ten-investments-via-quicken/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-23_topteninvestments-cover.jpg</image:loc><image:title>2022-03-23_TopTenInvestments-COVER</image:title><image:caption>Top Ten include VYM, PFE, STX, MAIN, and Ford</image:caption></image:image><lastmod>2022-03-23T12:53:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/19/got-to-tell-somebody/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-19_donfrancisco-gottotellsomebody-cover.jpg</image:loc><image:title>2022-03-19_DonFrancisco-GotToTellSomebody-COVER</image:title><image:caption>Don Francisco "Got To Tell Somebody"</image:caption></image:image><lastmod>2022-03-19T20:54:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/18/easy-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-18_easy-mckeefarmspark-cover.jpg</image:loc><image:title>2022-03-18_EASY-McKeeFarmsPark-COVER</image:title><image:caption>When is a walk in the park not a walk in the park?</image:caption></image:image><lastmod>2022-03-21T18:56:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/16/monitoring-investments-and-opportunities/</loc><lastmod>2022-03-18T01:27:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/16/advanced-options-trading-lesson-number-four/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-15_r-rollcoveredcall-screen-cover.jpg</image:loc><image:title>2022-03-15_R-RollCoveredCall-SCREEN-COVER</image:title><image:caption>How to Roll Covered Call Options - Rolling with Ryder</image:caption></image:image><lastmod>2022-03-16T01:41:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/15/advanced-options-trading-lesson-number-three/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-15_dardenrestaurants-cover.jpg</image:loc><image:title>2022-03-15_DardenRestaurants-COVER</image:title><image:caption>Darden Restaurants Options: Covered Call Roll</image:caption></image:image><lastmod>2022-03-15T14:02:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/14/advanced-options-trading-lesson-number-two/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-11_step-04_vlo-coveredcallroll-raisecontractprice-1.jpg</image:loc><image:title>2022-03-11_STEP-04_VLO-CoveredCallRoll-RaiseContractPrice</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-11_step-03_vlo-coveredcallroll-raisecontractprice-1.jpg</image:loc><image:title>2022-03-11_STEP-03_VLO-CoveredCallRoll-RaiseContractPrice</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-11_step-02_vlo-coveredcallroll-raisecontractprice-1.jpg</image:loc><image:title>2022-03-11_STEP-02_VLO-CoveredCallRoll-RaiseContractPrice</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-14_valero-energy-corporation-cover.jpg</image:loc><image:title>2022-03-14_Valero-Energy-Corporation-COVER</image:title><image:caption>Valero Energy Corporation Rolling Covered Calls</image:caption></image:image><lastmod>2022-03-12T22:29:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/12/advanced-options-trading-lesson-number-one/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-11_options-roll-cover.jpg</image:loc><image:title>2022-03-11_Options-Roll-COVER</image:title><image:caption>Options Trading can have you rolling in dough.</image:caption></image:image><lastmod>2022-04-13T20:38:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/11/heavy-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-11_heavy-baking-soda-vinegar-cover.jpg</image:loc><image:title>2022-03-11_Heavy-BAKING-SODA-VINEGAR-COVER</image:title><image:caption>Are your songs to the heavy-hearted a solution or a problem?</image:caption></image:image><lastmod>2022-03-14T01:38:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/10/roth-ira-conversion-2022/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-10_rothira-conversion-cover.jpg</image:loc><image:title>2022-03-10_RothIRA-Conversion-COVER</image:title><image:caption>ROTH Conversion has at least four long-term benefits</image:caption></image:image><lastmod>2022-03-10T18:58:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/09/when-the-market-has-a-negative-surprise/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-09_growingdollars-stx-cover.jpg</image:loc><image:title>2022-03-09_GrowingDollars-STX-COVER</image:title><image:caption>STX surprised me by dropping almost 10% yesterday.</image:caption></image:image><lastmod>2022-03-09T13:15:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/08/opportunity-knocking-or-spinning/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-08-stx-harddrives-cover.jpg</image:loc><image:title>2022-03-08 STX-HardDrives-COVER</image:title><image:caption>Seagate Technology SXT Opportunity to Buy?</image:caption></image:image><lastmod>2022-03-08T16:07:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/07/three-numbers-to-know/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-07-numbers-cover.jpg</image:loc><image:title>2022-03-07 Numbers-COVER</image:title><image:caption>Know your EAI, ROI, and COSTS</image:caption></image:image><lastmod>2022-03-07T16:40:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/05/robinhood-investing-and-cryptocurrencies/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/03/2022-03-05_robinhood-cover.jpg</image:loc><image:title>2022-03-05_Robinhood-COVER</image:title><image:caption>Why I opened a Robinhood account.</image:caption></image:image><lastmod>2022-03-05T19:53:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/03/01/investing-in-russia/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-03-01_investinginrussia-cover.jpg</image:loc><image:title>2022-03-01_InvestingInRussia-COVER</image:title><image:caption>Investing in Russia with ETF's?</image:caption></image:image><lastmod>2022-03-01T12:07:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/24/stock-market-panic-selling/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-24_stockmarket-goingdown-cover.jpg</image:loc><image:title>2022-02-24_StockMarket-GoingDown-COVER</image:title><image:caption>Stock Market Panics. Where do you go in a panic?</image:caption></image:image><lastmod>2022-02-24T13:06:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/22/top-ten-real-estate-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-22-topten-investments-realestate-cover.jpg</image:loc><image:title>2022-02-22 TopTen-Investments-RealEstate-COVER</image:title><image:caption>Top 10 Real Estate Investments</image:caption></image:image><lastmod>2022-04-01T22:31:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/21/top-five-utma-investments/</loc><lastmod>2022-02-20T14:31:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/18/stretch-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-18_stretch-cover.jpg</image:loc><image:title>2022-02-18_Stretch-COVER</image:title><image:caption>Stetching can be good unless the Truth is involved.</image:caption></image:image><lastmod>2022-02-18T20:31:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/17/is-your-rainy-day-fund-working/</loc><lastmod>2022-02-18T03:53:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/14/five-biggest-retirement-plan-mistakes/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-14_planforretirement-cover.jpg</image:loc><image:title>2022-02-14_PlanForRetirement-COVER</image:title><image:caption>What is your plan for retirement? Is it just a wish?</image:caption></image:image><lastmod>2022-02-13T23:36:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/12/commit-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-11_commit-pinkypromise.jpg</image:loc><image:title>2022-02-11_Commit-PinkyPromise</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-11_commit-pinkypromise-cover.jpg</image:loc><image:title>2022-02-11_Commit-PinkyPromise-COVER</image:title><image:caption>Pinky Promises are often weak commitments.</image:caption></image:image><lastmod>2022-02-12T16:52:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/11/international-dividend-growth-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-11_mfc-seekingalpha-emailcover.jpg</image:loc><image:title>2022-02-11_MFC-SeekingAlpha-EmailCover</image:title><image:caption>Manulife Financial Raises Dividend 18%</image:caption></image:image><lastmod>2022-02-11T14:56:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/10/birthday-treat-seventy-one/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-09-birthdaytreat-wiscbuns-wayne.jpg</image:loc><image:title>2022-02-09 BirthdayTreat-WiscBuns-Wayne</image:title><image:caption>Wayne Winquist and Birthday Cake Number 71 Wisconsin Buns</image:caption></image:image><lastmod>2022-02-10T16:37:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/07/do-you-bring-grief-or-joy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-06_proverbs10-1-cover.jpg</image:loc><image:title>2022-02-06_Proverbs10-1-COVER</image:title><image:caption>Proverbs 10:1 Wisdom includes Honoring Your Father and Mother</image:caption></image:image><lastmod>2022-02-07T16:09:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/05/top-three-etf-investments-according-to-wayne/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-05_top-3-etfs-list-cover.jpg</image:loc><image:title>2022-02-05_TOP-3-ETFs-List-COVER</image:title><image:caption>What are the best ETFs and Mutual Funds?</image:caption></image:image><lastmod>2022-02-05T16:13:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/04/achieve-five-minute-friday-is-it-worth-it/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/02/2022-02-04_getreallyrich-cover.jpg</image:loc><image:title>2022-02-04_GetReallyRich-COVER</image:title><image:caption>When setting a goal for gain count the cost.</image:caption></image:image><lastmod>2022-02-04T22:23:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/02/03/friends-that-are-really-friends/</loc><lastmod>2022-02-03T18:07:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/29/five-things-to-do-in-a-market-correction-or-bear-market/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-29_bearmarket-cover.jpg</image:loc><image:title>2022-01-29_BearMarket-COVER</image:title><image:caption>Five things to do in a market correction or bear market.</image:caption></image:image><lastmod>2022-01-29T23:15:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/24/are-you-maturing-as-an-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-24_maturingasaninvestor-cover.jpg</image:loc><image:title>2022-01-24_MaturingAsAnInvestor-COVER</image:title><image:caption>Are you growing as an investor?</image:caption></image:image><lastmod>2022-01-24T12:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/22/indexed-etfs-and-mutual-funds-tell-a-story/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-22_tech-crumbles-cover.jpg</image:loc><image:title>2022-01-22_Tech-Crumbles-COVER</image:title><image:caption>Do you know your exposure to the technology heavy NASDAQ? You should.</image:caption></image:image><lastmod>2022-01-22T21:12:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/21/possibility-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-21_possibility-cover.jpg</image:loc><image:title>2022-01-21_POSSIBILITY-COVER</image:title><image:caption>Is it possible to be perfect?</image:caption></image:image><lastmod>2022-01-21T21:57:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/20/ten-reasons-to-avoid-selling-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-20-bearmarketgraph-cover.jpg</image:loc><image:title>2022-01-20 BearMarketGraph-COVER</image:title><image:caption>Ten Reasons I don't sell during a bear market</image:caption></image:image><lastmod>2022-01-21T01:02:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/17/investing-in-a-green-metals-etf/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-17_greenmetalinvesting-gmet-cover.jpg</image:loc><image:title>2022-01-17_GreenMetalInvesting-GMET-COVER</image:title><image:caption>Green Metal Investing GMET VanEck ETF Trust - VanEck Green Metals ETF</image:caption></image:image><lastmod>2022-01-17T14:51:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/15/revisiting-vw-as-an-investment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-15_revisitingvw-as-an-investment-cover.jpg</image:loc><image:title>2022-01-15_RevisitingVW-as-an-Investment-COVER</image:title><image:caption>Violet and her VW Beetle</image:caption></image:image><lastmod>2022-01-15T21:17:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/14/determine-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-14_determine-cover.jpg</image:loc><image:title>2022-01-14_DETERMINE-COVER</image:title><image:caption>Calculations can determine results.</image:caption></image:image><lastmod>2022-01-16T16:39:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/13/an-interesting-chemical-company/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-13_oln-investors-cover.jpg</image:loc><image:title>2022-01-13_OLN-Investors-COVER</image:title><image:caption>Olin is a commodity chemicals company - Ticker OLN</image:caption></image:image><lastmod>2022-01-13T13:45:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/09/retirement-etf-comparison/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-09-compareetfs-spy-schd-iltb-cover.jpg</image:loc><image:title>2022-01-09 CompareETFs-SPY-SCHD-ILTB-COVER</image:title><image:caption>Retirement ETF choices include SPY, SCHD, and ILTB</image:caption></image:image><lastmod>2022-01-09T12:37:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/07/important-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-07_important-cover.jpg</image:loc><image:title>2022-01-07_IMPORTANT-COVER</image:title><image:caption>User's Guides Are Important. Read Proverbs for Wisdom.</image:caption></image:image><lastmod>2022-01-09T15:58:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/06/2022-dividend-investing-report-card/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-06_stx-dividend-report-card-cover.jpg</image:loc><image:title>2022-01-06_STX-DIVIDEND-Report-Card-COVER</image:title><image:caption>Dividend Report Card for Seagate Technology Holdings</image:caption></image:image><lastmod>2022-01-06T13:35:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2022/01/04/2022-options-strategy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2022/01/2022-01-04_2022-options-strategy.jpg</image:loc><image:title>2022-01-04_2022-Options-Strategy</image:title><image:caption>2022 Covered Call Options Strategy</image:caption></image:image><lastmod>2022-01-04T14:53:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/30/top-ten-investments-at-year-end-in-my-roth/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-30_waynesroth-ira-cover.jpg</image:loc><image:title>2021-12-30_WaynesROTH-IRA-COVER</image:title><image:caption>Top Ten Investments at Year End in my ROTH</image:caption></image:image><lastmod>2021-12-30T21:07:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/27/dear-reader-how-can-i-serve-you/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-30-whydoyoureadmyblog.jpg</image:loc><image:title>2021-12-30 WhyDoYouReadMyBlog</image:title><image:caption>Why do you read my blog?</image:caption></image:image><lastmod>2021-12-29T01:16:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/26/second-grade-in-naperville-illinois/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-26_1958-waynewinquist-2ndgradeclasspicture.jpg</image:loc><image:title>2021-12-26_1958-WayneWinquist-2ndGradeClassPicture</image:title></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/1958-waynewinquist-2ndgradeclasspicture.jpg</image:loc><image:title>1958 WayneWinquist-2ndGradeClassPicture</image:title><image:caption>Highlands School Class Picture 1958-1959 Naperville IL 2nd grade</image:caption></image:image><lastmod>2021-12-25T15:55:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/24/reflections-caused-by-amazon-photos/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-24_hawaiiwithviolet-and-cindie.jpg</image:loc><image:title>2021-12-24_HawaiiWithViolet-and-Cindie</image:title><image:caption>Hawaii 2021 with Violet and Cindie</image:caption></image:image><lastmod>2021-12-25T16:53:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/21/what-scores-matter-in-your-investment-portfolio/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-21-investorreportcard.jpg</image:loc><image:title>2021-12-21 InvestorReportCard</image:title><image:caption>Some Scores Matter and Others Don't</image:caption></image:image><lastmod>2021-12-21T15:45:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/09/inflations-gnawing-power-and-the-power-of-growing-dividends/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-09-inflation-investing-cover.jpg</image:loc><image:title>2021-12-09 Inflation-Investing-COVER</image:title><image:caption>Just as the ocean gnaws on the beach, inflation gnaws on your investments and buying power.</image:caption></image:image><lastmod>2021-12-10T01:45:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/12/06/expectation-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/12/2021-12-05_breakfastview.jpg</image:loc><image:title>2021-12-05_BreakfastView</image:title><image:caption>Our breakfast view from the Hyatt Regency Waikiki Hotel.</image:caption></image:image><lastmod>2021-12-08T02:19:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/29/1-2-3-dividends-from-bdc-tslx/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-29_tslx-bdc-cover.jpg</image:loc><image:title>2021-11-29_TSLX-BDC-COVER</image:title><image:caption>BDC = BUSINESS DEVELOPMENT COMPANY</image:caption></image:image><lastmod>2021-11-29T13:29:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/26/nourish-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-26_ibm-1403-greenbarprinter.jpg</image:loc><image:title>2021-11-26_IBM-1403-GreenbarPrinter</image:title><image:caption>IBM 1403 Mainframe Computer High Speed Impact Printer</image:caption></image:image><lastmod>2021-11-28T12:58:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/26/options-trading-for-income-refinements-and-cautions/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-26_caution-cover.png</image:loc><image:title>2021-11-26_CAUTION-COVER</image:title><image:caption>What I have learned about Options Trading</image:caption></image:image><lastmod>2021-11-25T22:36:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/19/four-ways-to-make-money-in-real-estate/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-19_hospital-retail-warehouse-celltower-cover.jpg</image:loc><image:title>2021-11-19_Hospital-Retail-Warehouse-CellTower-COVER</image:title><image:caption>These buildings and land represent pieces of REITS: MPW, O, CCI, STAG, and ADC.</image:caption></image:image><lastmod>2021-11-19T02:33:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/18/thursdays-tool-is-seeking-alpha/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-18_seekingalpha-market-news-cover.jpg</image:loc><image:title>2021-11-18_SeekingAlpha-MARKET-NEWS-COVER</image:title><image:caption>Seeking Alpha provides a wealth of information for stocks, ETFs, and mutual funds.</image:caption></image:image><lastmod>2021-11-18T13:02:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/15/social-security-increases-and-medicare-costs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-15_medicarecard-wayne-cover.jpg</image:loc><image:title>2021-11-15_MedicareCard-Wayne-COVER</image:title><image:caption>This card does NOT provide free medical care</image:caption></image:image><lastmod>2021-11-15T14:33:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/12/wander-five-minute-friday-for-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-12_wander-cover.jpg</image:loc><image:title>2021-11-12_WANDER-COVER</image:title><image:caption>Wandering Investors have no goal, no strategy, and great risk</image:caption></image:image><lastmod>2021-11-12T18:46:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/11/violets-question-about-volkswagen-as-an-investment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-11_vwagy-volkswagen-violet-cover.jpg</image:loc><image:title>2021-11-11_VWAGY-Volkswagen-Violet-COVER</image:title><image:caption>Volkswagen Super Beetle and Investing in VW</image:caption></image:image><lastmod>2021-11-11T15:49:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/09/something-every-homeowner-buys/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-08_fnf-cover.jpg</image:loc><image:title>2021-11-08_FNF-COVER</image:title><image:caption>Fidelity National Financial (FNF)</image:caption></image:image><lastmod>2021-11-09T12:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/08/prayer-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-08_prayer-cover.png</image:loc><image:title>2021-11-08_PRAYER-COVER</image:title><image:caption>Proverbs 15:29 ESV</image:caption></image:image><lastmod>2021-11-08T16:43:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/05/etf-housecleaning/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-05_etf-housecleaning-cover.png</image:loc><image:title>2021-11-05_ETF-HouseCleaning-COVER</image:title><image:caption>ETF - Time to Evaluate and Clean House</image:caption></image:image><lastmod>2021-11-05T11:38:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/11/02/health-care-allocation-and-pfizer/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/11/2021-11-02_pfizer-results-q3-2021.jpg</image:loc><image:title>2021-11-02_Pfizer-Results-Q3-2021</image:title><image:caption>Pfizer (PFE) did not disappoint.</image:caption></image:image><lastmod>2021-11-02T11:40:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/29/morning-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-29_universalfoodsclock-1996-20years-01.jpg</image:loc><image:title>2021-10-29_UniversalFoodsClock-1996-20Years-01</image:title><image:caption>What is new every morning for the morning person?</image:caption></image:image><lastmod>2021-11-01T05:36:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/28/how-do-you-spell-ford-as-an-investor/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-28_ford-whatfordmeans-ford-truck-cover.jpg</image:loc><image:title>2021-10-28_Ford-WhatFordMeans-FORD-Truck-COVER</image:title><image:caption>FORD - is it Fix Or Repair Daily? I don't think so.</image:caption></image:image><lastmod>2021-10-28T00:26:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/27/balancing-etfs-like-qqq-spy-vym/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-27_qqq_spy_vym-cover.jpg</image:loc><image:title>2021-10-27_QQQ_SPY_VYM-COVER</image:title><image:caption>Watch out for overlap in large cap ETFs.</image:caption></image:image><lastmod>2021-10-27T01:16:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/25/investment-returns-and-anti-gravity-investing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-23_snowball-hill-cover.jpg</image:loc><image:title>2021-10-23_Snowball-Hill-Cover</image:title><image:caption>Do your investments defy inflation, taxes, and cost gravity?</image:caption></image:image><lastmod>2021-10-24T22:04:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/24/still-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-24-bestill-cover.jpg</image:loc><image:title>2021-10-24 BeStill-COVER</image:title><image:caption>Proverbs 9:9 Still Wiser?</image:caption></image:image><lastmod>2021-10-24T20:25:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/18/best-regional-banks-for-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-18_bestregionalbank-rf-cfg-hban-cover.jpg</image:loc><image:title>2021-10-18_BestRegionalBank-RF-CFG-HBAN-Cover</image:title><image:caption>The opinions of others can be helpful.</image:caption></image:image><lastmod>2021-10-17T21:04:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/15/treasure-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-15_hourglass-treasure-time-cover.jpg</image:loc><image:title>2021-10-15_Hourglass-Treasure-Time-COVER</image:title><image:caption>The Treasure of Time</image:caption></image:image><lastmod>2021-10-16T04:01:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/14/what-growth-should-i-expect/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-14_1954-circa-wayne-giraffe-copy.jpg</image:loc><image:title>2021-10-14_1954-circa-Wayne-Giraffe-Copy</image:title><image:caption>Wayne feeding the wooden giraffe circa 1954. The giraffe was to check for increasing height.</image:caption></image:image><lastmod>2021-10-14T00:58:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/13/investing-concerns-volatility-competition-and-inflation/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-13_redshorts.jpg</image:loc><image:title>2021-10-13_RedShorts</image:title><image:caption>Short Sellers think the stock will go down in price.</image:caption></image:image><lastmod>2021-10-13T01:50:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/08/complete-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-08_work-in-process-cover.png</image:loc><image:title>2021-10-08_WORK-IN-PROCESS-Cover</image:title><image:caption>We are all incomplete. It is possible to finish the homework.</image:caption></image:image><lastmod>2021-10-08T22:58:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/06/dividend-information-tools-for-stocks-and-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-06_dividendtools-cover.png</image:loc><image:title>2021-10-06_DividendTools-COVER</image:title><image:caption>Tools for Identifying Dividend Growth or Reductions</image:caption></image:image><lastmod>2021-10-06T14:44:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/01/need-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/10/2021-10-01-needs-cover.png</image:loc><image:title>2021-10-01 NEEDS-COVER</image:title><image:caption>Five Truths About Need</image:caption></image:image><lastmod>2021-10-05T15:56:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/10/01/question-from-noelle-about-selling-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-10-01-mia-noelle-winquist-investors.jpg</image:loc><image:title>2021-10-01 Mia-Noelle-Winquist-Investors</image:title><image:caption>Six Rules for Selling (Stock) Investments</image:caption></image:image><lastmod>2021-09-30T23:23:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/30/four-investing-questions-from-noelle-and-mia/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-30-mia-noelle-winquist-investors.jpg</image:loc><image:title>2021-09-30 Mia-Noelle-Winquist-Investors</image:title><image:caption>Noelle and Mia are learning to be investors!</image:caption></image:image><lastmod>2021-09-30T01:59:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/27/care-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-27_charlotte-reading-withgeorge-2017-02.jpg</image:loc><image:title>2021-09-27_Charlotte-Reading-WithGeorge-2017-02</image:title><image:caption>Charlotte and George reading in Charlotte's apartment February 2017</image:caption></image:image><lastmod>2021-09-27T11:25:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/17/purpose-five-minute-friday/</loc><lastmod>2021-09-17T15:57:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/16/medicare-part-d-premium-inflation/</loc><lastmod>2021-09-16T13:28:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/16/prefab-specialized-etf-or-do-it-yourself-custom-bdc/</loc><lastmod>2021-09-16T02:26:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/15/eight-investing-questions-from-noelle/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-15-questions-cover.jpg</image:loc><image:title>2021-09-15 Questions-COVER</image:title><image:caption>Questions can lead to Understanding.</image:caption></image:image><lastmod>2021-10-03T21:33:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/14/fidelity-youth-account-contest/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-14_fidelityyouthaccount-contestcover.jpg</image:loc><image:title>2021-09-14_FidelityYouthAccount-ContestCover</image:title><image:caption>Fidelity Youth Account Contest for Our Granddaughters</image:caption></image:image><lastmod>2021-09-15T00:43:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/10/rescue-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-10_ussbagley-may-1975-waynelwinquist.jpg</image:loc><image:title>2021-09-10_USSBagley-May-1975-WayneLWinquist</image:title><image:caption>Wayne L. Winquist aboard the U.S.S. Bagley, FF-1069 in the spring of 1975 near San Diego harbor</image:caption></image:image><lastmod>2021-09-11T08:16:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/07/buy-or-sell-opinions-are-worth-250/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-07_piersanthony-opinions-cover.jpg</image:loc><image:title>2021-09-07_PiersAnthony-Opinions-COVER</image:title><image:caption>Opinions may not be valuable. Piers Anthony</image:caption></image:image><lastmod>2021-09-07T00:43:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/06/city-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-06-melinda-don-cindie-wayne-veronawi.jpg</image:loc><image:title>2021-09-06 Melinda-Don-Cindie-Wayne-VeronaWI</image:title><image:caption>Melinda and Don Yantis with Cindie and Wayne Winquist</image:caption></image:image><lastmod>2021-09-06T15:41:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/04/top-five-financial-sector-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-04_top-five-financial-sector-investments.jpg</image:loc><image:title>2021-09-04_TOP-FIVE-FINANCIAL-SECTOR-INVESTMENTS</image:title><image:caption>Top FIve Financial Sector Investments are NOT Banks</image:caption></image:image><lastmod>2021-09-05T01:07:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/02/top-five-health-care-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/09/2021-09-02_topfivehealthcare-cover.jpg</image:loc><image:title>2021-09-02_TopFiveHealthCare-COVER</image:title><image:caption>Top Five Health Care Investments</image:caption></image:image><lastmod>2021-09-02T10:26:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/09/01/top-five-information-technology-investments/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-09-02_topfivetech-cover.jpg</image:loc><image:title>2021-09-02_TopFiveTech-COVER</image:title><image:caption>Top FIve Information Technology Investments Sept. 2021</image:caption></image:image><lastmod>2021-09-01T01:07:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/27/desperate-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-27_fmf-desperate-cover.jpg</image:loc><image:title>2021-08-27_FMF-Desperate-COVER</image:title><image:caption>"You better let somebody love you before its too late."</image:caption></image:image><lastmod>2021-08-27T16:51:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/26/main-dividend-reinvestment-and-diversification/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-26_main-street-naperville-cover.jpg</image:loc><image:title>2021-08-26_MAIN-STREET-NAPERVILLE-COVER</image:title><image:caption>Naperville was my boyhood home. It had an old main street.</image:caption></image:image><lastmod>2021-08-26T16:17:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/20/teach-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-20_carroll-d-wright-quote.jpg</image:loc><image:title>2021-08-20_Carroll-D-Wright-Quote</image:title><image:caption>Figures don't lie, but liars figure. Carroll D. Wright</image:caption></image:image><lastmod>2021-08-20T15:46:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/17/goodbye-china/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-17_china-dragon-cover.jpg</image:loc><image:title>2021-08-17_China-Dragon-COVER</image:title><image:caption>China is a higher-risk region for sensible investors to avoid.</image:caption></image:image><lastmod>2021-08-17T22:14:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/16/finding-dividend-growth/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-16_ferdis-seekingalpha-dividendgrowth.jpg</image:loc><image:title>2021-08-16_FerdiS-SeekingAlpha-DividendGrowth</image:title><image:caption>Find authors that help you with your investment strategy and knowledge.</image:caption></image:image><lastmod>2021-08-16T13:39:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/15/roth-ira-conversion-payback-or-not/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-14_investing101-roth-conversions-cover.png</image:loc><image:title>2021-08-14_Investing101-ROTH-Conversions-COVER</image:title><image:caption>ROTH CONVERSIONS: A beneficial strategy</image:caption></image:image><lastmod>2021-08-14T23:39:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/14/accountability-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-14_accountability-fmf-cover.png</image:loc><image:title>2021-08-14_ACCOUNTABILITY-FMF-Cover</image:title><image:caption>Accountability: A Biblical Perspective for 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succeed.</image:caption></image:image><lastmod>2021-08-10T13:50:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/06/from-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-06_sentencediagram-proverbs.jpg</image:loc><image:title>2021-08-06_SentenceDiagram-Proverbs</image:title><image:caption>Proverbs 2:6 Sentence Diagram FROM</image:caption></image:image><lastmod>2021-08-07T11:34:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/08/04/bonds-versus-inflation-who-wins/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/08/2021-08-04_coffee-break-bonds.jpg</image:loc><image:title>2021-08-04_Coffee Break-BONDS</image:title><image:caption>Buy Bonds if You Like Poor 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Ducks-SelfControl</image:title></image:image><lastmod>2021-04-24T02:06:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/04/22/easily-confused-son-and-sun/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/04/2021-04-22_son-cover.jpg</image:loc><image:title>2021-04-22_SON-COVER</image:title></image:image><lastmod>2021-04-22T14:04:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/04/17/permission-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/04/2021-04-17-permissiontocomeaboard.jpg</image:loc><image:title>2021-04-17 PermissionToComeAboard</image:title></image:image><lastmod>2021-04-19T18:24:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/04/12/pressure-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/04/2021-04-12_swamppeople-cover.jpg</image:loc><image:title>2021-04-12_SwampPeople-COVER</image:title></image:image><lastmod>2021-04-13T00:54:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/04/04/to-the-praise-of-his-glorious-grace/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/04/2021-04-04-to-the-praise-of-his-glory.png</image:loc><image:title>2021-04-04 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PUT-COVER</image:title></image:image><lastmod>2021-03-30T15:20:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/29/getting-lots-of-stuff-moved/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-29_gsl-cover.jpg</image:loc><image:title>2021-03-29_GSL-COVER</image:title></image:image><lastmod>2021-03-29T12:22:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/28/only-jesus-nur-jesus/</loc><lastmod>2021-03-29T15:04:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/26/savor-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-26_savor-cover.jpg</image:loc><image:title>2021-03-26_SAVOR-COVER</image:title></image:image><lastmod>2021-03-27T20:53:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/25/measuring-and-understanding-risk-appetite/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-25-riskappetite-culvers-cover.jpg</image:loc><image:title>2021-03-25 RiskAppetite-Culvers-COVER</image:title></image:image><lastmod>2021-03-25T21:47:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/24/how-good-is-your-aim/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-24-aimhigh-cover.png</image:loc><image:title>2021-03-24 AimHigh-COVER</image:title><image:caption>Aim All You Have at Heaven means generosity in all things.</image:caption></image:image><lastmod>2021-03-24T16:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/23/four-corners-property-trust/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-22_trade-confirms-wayne-ira-roth-1.jpg</image:loc><image:title>2021-03-22_TRADE-CONFIRMS-WAYNE-IRA--ROTH</image:title><image:caption>Wayne's Trades 03/22/2021</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-23_fcpt-cover.jpg</image:loc><image:title>2021-03-23_FCPT-COVER</image:title><image:caption>Image created from FCPT Web Site</image:caption></image:image><lastmod>2021-03-23T14:56:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/22/good-to-great-or-just-awful/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-22_goodtogreat-cover.jpg</image:loc><image:title>2021-03-22_GoodToGreat-COVER</image:title><image:caption>Great Investments Are Not Hard to Find</image:caption></image:image><lastmod>2021-03-22T11:38:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/20/vaccination-reaction-update-covid-19/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-20-waynelynnwinquist.jpg</image:loc><image:title>2021-03-20 WayneLynnWinquist</image:title><image:caption>Wayne L Winquist post-COVID-19 Vaccine</image:caption></image:image><lastmod>2021-03-20T16:47:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/20/redeemed-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-20_fannycrosby-redeemed-cover.jpg</image:loc><image:title>2021-03-20_FannyCrosby-REDEEMED-Cover</image:title><image:caption>Lyrics for Fanny Crosby's hymnn REDEEMED</image:caption></image:image><lastmod>2021-03-20T18:35:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/18/why-i-use-the-weiss-ratings-watch-list-tool/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-18_weissratings-cover.png</image:loc><image:title>2021-03-18_WeissRatings-COVER</image:title><image:caption>Weiss Ratings Home Page</image:caption></image:image><lastmod>2021-03-18T00:34:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/16/staggered-eaton-covered-calls-earn-746-52/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-16-eaton-coveredcall-cover.jpg</image:loc><image:title>2021-03-16 EATON-CoveredCall-COVER</image:title><image:caption>Three income possiblities. Two of them are certain.</image:caption></image:image><lastmod>2021-03-16T01:16:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/15/temperament-investing-temperature/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-15-temperament-cover.png</image:loc><image:title>2021-03-15 Temperament-COVER</image:title><image:caption>What is your investing temperament temperature? Hot or Cool?</image:caption></image:image><lastmod>2021-03-15T13:47:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/13/when-you-are-taken-for-a-ride/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-13_ride-mayhavetakenmeforaride-cover.jpg</image:loc><image:title>2021-03-13_RIDE-MayHaveTakenMeForARide-COVER</image:title><image:caption>An investment in Lordstown Motors might be a mistake</image:caption></image:image><lastmod>2021-03-13T19:47:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/12/possible-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-12_possible-fiveminutefriday-cover.jpg</image:loc><image:title>2021-03-12_POSSIBLE-FiveMinuteFriday-COVER</image:title><image:caption>Some of the RX solutions from the dermatologist</image:caption></image:image><lastmod>2021-03-12T21:41:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/11/what-is-bg-foods/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-11_bgs-brands-cover.jpg</image:loc><image:title>2021-03-11_BGS-BRANDS-COVER</image:title><image:caption>Walk down the grocery aisles and you will see B&amp;G products.</image:caption></image:image><lastmod>2021-03-11T01:31:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/10/short-term-gains-or-dividend-income/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-10_mga-ottr-ph-cover-logos.jpg</image:loc><image:title>2021-03-10_MGA-OTTR-PH-COVER-LOGOs</image:title><image:caption>Logos and Profits for MGA, OTTR, and PH</image:caption></image:image><lastmod>2021-03-10T02:24:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/09/added-coca-cola-and-ford-sold-etf-vwo/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/buy_sell_hold-waynetemplate-buys-covered-calls-ko.jpg</image:loc><image:title>Buy_Sell_Hold-WayneTemplate-BUYS-COVERED-CALLS - KO</image:title><image:caption>Coca-Cola and VWO Transactions</image:caption></image:image><lastmod>2021-03-09T15:25:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/07/desiring-wisdom-that-works/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-07-logos-ethos-pathos.png</image:loc><image:title>2021-03-07 Logos-Ethos-Pathos</image:title><image:caption>Wisdom: Truth understood and then applied passionately in everyday living</image:caption></image:image><lastmod>2021-03-07T13:01:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/06/counterterrorism-technology/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/buy_sell_hold-waynetemplate-tech.jpg</image:loc><image:title>Buy_Sell_Hold-WayneTemplate-TECH</image:title><image:caption>Why I bought shares of Palantir Technologies</image:caption></image:image><lastmod>2021-03-06T15:12:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/05/green-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-05-givethatkidachocolatefish-green.jpg</image:loc><image:title>2021-03-05 GiveThatKidaChocolateFish-GREEN</image:title><image:caption>The gift from my friend Nicola.</image:caption></image:image><lastmod>2021-03-05T22:51:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/04/when-should-i-buy-more/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/2021-03-04-when-to-buy-cover.png</image:loc><image:title>2021-03-04 When-to-Buy-COVER</image:title><image:caption>When to Buy More?</image:caption></image:image><lastmod>2021-03-04T13:41:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/03/what-wayne-bought-sold-and-covered-calls/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/buy_sell_hold-waynetemplate-buys-covered-calls.jpg</image:loc><image:title>Buy_Sell_Hold-WayneTemplate-BUYS-COVERED-CALLS</image:title><image:caption>Buying, Selling and Covered Calling</image:caption></image:image><lastmod>2021-03-03T15:32:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/03/pictures-still-speak/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/03/195x-mom-jingles-george-livingroom-naperville-735parksiderd.jpg</image:loc><image:title>195x Mom-Jingles-George-LivingRoom-Naperville-735ParksideRd</image:title><image:caption>1950's Mom with Jingles and George in our home in Naperville IL</image:caption></image:image><lastmod>2021-03-03T15:43:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/03/01/crazy-investments-like-big-oil-energy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-03-01_cleanenergystocks-cover.png</image:loc><image:title>2021-03-01_CleanEnergyStocks-COVER</image:title><image:caption>Don't invest like a herd. Current fads may not be all they appear to be.</image:caption></image:image><lastmod>2021-02-28T23:00:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/26/enabled-by-wisdom-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-26_enable-cover.png</image:loc><image:title>2021-02-26_ENABLE-COVER</image:title><image:caption>A book about the book of Wisdom</image:caption></image:image><lastmod>2021-02-26T16:55:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/25/finding-small-needles-in-the-investing-hay-field/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-25_haywagon-cover-amrs-gsl-orn.jpg</image:loc><image:title>2021-02-25_Haywagon-COVER-AMRS-GSL-ORN</image:title><image:caption>Which bale should I buy for my existing investments?</image:caption></image:image><lastmod>2021-02-25T15:28:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/23/why-god-laughs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-23_henrysfunnyvideo-cover.jpg</image:loc><image:title>2021-02-23_HenrysFunnyVIdeo-COVER</image:title><image:caption>Henry's Funny Video Short</image:caption></image:image><lastmod>2021-02-23T22:32:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/22/dividends-are-the-little-engine-that-can/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-22_littleengine-cover.jpg</image:loc><image:title>2021-02-22_LittleEngine-COVER</image:title><image:caption>Dividends are the Little Engine that can and does climb.</image:caption></image:image><lastmod>2021-02-22T18:02:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/20/mfc-adding-more-shares/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-20_mfc-seekingalpha-dividendhistory-1.jpg</image:loc><image:title>2021-02-20_MFC-SeekingAlpha-DividendHistory</image:title><image:caption>MFC Dividend History</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-20_mfc-seekingalpha-dividendgrowth-1.jpg</image:loc><image:title>2021-02-20_MFC-SeekingAlpha-DividendGrowth</image:title><image:caption>MFC Dividend Growth History</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-20_mfc-cover.jpg</image:loc><image:title>2021-02-20_MFC-COVER</image:title><image:caption>SOURCE: Manulife Financial Corporation 2019 Annual Report</image:caption></image:image><lastmod>2021-02-20T21:55:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/19/observant-five-minute-friday-and-the-detectives/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-19-brownargus-butterfly3-1.jpg</image:loc><image:title>2021-02-19-BrownArgus-Butterfly3</image:title><image:caption>Brown Argus Butterfly</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-19_signedsealeddelivered.jpg</image:loc><image:title>2021-02-19_Signedsealeddelivered</image:title><image:caption>Hallmark Movies - Signed, Sealed, Delivered</image:caption></image:image><lastmod>2021-02-21T03:47:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/17/goodbye-futy-etf/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-16_tradeconfirmation-cindie-futy.jpg</image:loc><image:title>2021-02-16_TradeConfirmation-Cindie-FUTY</image:title><image:caption>Sold Cindie's FUTY shares.</image:caption></image:image><lastmod>2021-02-18T02:53:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/15/monday-with-mom-and-my-tears/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/1952-02-09-waynesfirstbirthdaycake-candle.jpg</image:loc><image:title>1952-02-09 WaynesFirstBirthdayCake-Candle</image:title><image:caption>Wayne Lynn Winquist's first birthday and tears</image:caption></image:image><lastmod>2021-02-15T23:27:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/15/the-best-time-to-buy-an-investment/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-15_buyonthewaydown-charlesmizrahi.jpg</image:loc><image:title>2021-02-15_BuyOnTheWayDown-CharlesMizrahi</image:title><image:caption>Buy on the Way Down - but slowly</image:caption></image:image><lastmod>2021-02-15T14:25:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/13/lithium-stocks-and-etfs-be-careful/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-13_investing-today-cover.jpg</image:loc><image:title>2021-02-13_INVESTING-TODAY-COVER</image:title><image:caption>This is more "Advertising Investments Today" than a true investing newsletter</image:caption></image:image><lastmod>2021-02-13T17:16:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/12/english-is-crazy-once-means-one-time-or-does-it/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-12-mirror-james1_23-24-once-01.jpg</image:loc><image:title>2021-02-12 Mirror-James1_23-24-ONCE-01</image:title><image:caption>If you read God's Word and it doesn't change you, look again.</image:caption></image:image><lastmod>2021-02-17T20:43:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/09/reflecting-on-seventy-years/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/1961-august-christening-rowboat-dinkey.jpg</image:loc><image:title>1961-August-Christening-Rowboat-Dinkey</image:title><image:caption>Mr. Keith Martin is the third from the left. Dad is on the far right.</image:caption></image:image><lastmod>2021-02-10T16:33:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/08/growing-my-merck-holdings-and-some-pharmaceutical-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-08_mrk-cover.jpg</image:loc><image:title>2021-02-08_MRK-COVER</image:title><image:caption>Merck is a large cap pharmaceutical company</image:caption></image:image><lastmod>2021-02-08T18:12:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/05/sunrise-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-05_oneofthesethingsisnotliketheothers-family.jpg</image:loc><image:title>2021-02-05_OneOfTheseThingsIsNotLikeTheOthers-Family</image:title><image:caption>Each person is unlike and like the others</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-05_oneofthesethingsisnotliketheothers.jpg</image:loc><image:title>2021-02-05_OneOfTheseThingsIsNotLikeTheOthers</image:title><image:caption>FIve Minute Friday SUNRISE</image:caption></image:image><lastmod>2021-02-07T14:25:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/04/profits-unlimited-portfolio-addition-mga/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-04_mga-cover.jpg</image:loc><image:title>2021-02-04_MGA-COVER</image:title><image:caption>Magna International is international</image:caption></image:image><lastmod>2021-02-04T19:30:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/03/2021-dividend-increase-from-apam/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-03_apam-businessmodel-cover.jpg</image:loc><image:title>2021-02-03_APAM-BusinessModel-COVER</image:title><image:caption>Artisan Partners is a global investment manager.</image:caption></image:image><lastmod>2021-02-03T02:22:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/02/01/shorts-can-lose-their-shorts/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/02/2021-02-01_shorts.jpg</image:loc><image:title>2021-02-01_Shorts</image:title><image:caption>Don't lose your shorts by selling short. An analysis of GameStop.</image:caption></image:image><lastmod>2021-02-01T13:13:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/30/broken-markets-are-indicators-of-serious-problems/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-30_brokenmarkets-cover.jpeg</image:loc><image:title>2021-01-30_BrokenMarkets-COVER</image:title><image:caption>When the Stock Market breaks, where will you turn?</image:caption></image:image><lastmod>2021-01-30T19:35:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/29/design-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-29_fmf-building-bunkbed-1.jpg</image:loc><image:title>2021-01-29_FMF-Building-BunkBed</image:title><image:caption>Two grandsons testing the size</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-29_fmf-pencil-line-lead-hardness.jpg</image:loc><image:title>2021-01-29_FMF-Pencil-Line-Lead-Hardness</image:title><image:caption>Design Drawings and Pencil Lead Hardness</image:caption></image:image><lastmod>2021-02-02T01:22:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/27/2021-dividend-increase-from-antm/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-27_antm-cover.png</image:loc><image:title>2021-01-27_ANTM-COVER</image:title><image:caption>ANTM is Blue Cross Blue Shield (Ticker: ANTM)</image:caption></image:image><lastmod>2021-01-27T15:54:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/26/2021-dividend-increase-from-intc/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-26_intel-inside-logo-history.jpg</image:loc><image:title>2021-01-26_Intel-Inside-Logo-history</image:title><image:caption>Intel may be inside your car or some other device you use.</image:caption></image:image><lastmod>2021-01-26T12:30:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/22/fix-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/quick-fix_.png</image:loc><image:title>Quick Fix_</image:title><image:caption>The "fix" is wisdom.</image:caption></image:image><lastmod>2021-01-28T23:49:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/22/another-2021-dividend-increase-5-9/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-22_lnt-windfarm-cover.jpg</image:loc><image:title>2021-01-22_LNT-WindFarm-COVER</image:title><image:caption>Alliant Energy includes wind power.</image:caption></image:image><lastmod>2021-01-21T22:10:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/21/using-an-etf-or-mutual-fund-for-investing-ideas/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-21_dgro-topten-pickinginvestments-cover.png</image:loc><image:title>2021-01-21_DGRO-TopTen-PickingInvestments-COVER</image:title><image:caption>The number of possible investment choices is a mountain. What now?</image:caption></image:image><lastmod>2021-01-21T16:19:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/19/toss-that-out/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-19-pellitteritruck.jpg</image:loc><image:title>2021-01-19 PellitteriTruck</image:title><image:caption>Every Wednesday this truck comes to get the trash.</image:caption></image:image><lastmod>2021-01-19T02:51:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/18/2021-more-income-by-doing-nothing/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-18_adc-wisconsinmap.png</image:loc><image:title>2021-01-18_ADC-WisconsinMap</image:title><image:caption>Know more about ADC as a REIT investment before buying ADC shares</image:caption></image:image><lastmod>2021-01-17T15:16:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/15/fresh-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-15_neweverymorning-lamentations-3_22-23.png</image:loc><image:title>2021-01-15_NewEveryMorning-Lamentations-3_22-23</image:title><image:caption>Lamentations 3:22-23 Mercy is new every morning. Fresh mercy to start today!</image:caption></image:image><lastmod>2021-01-21T04:37:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/14/swing-trades-can-bring-quick-profits/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-14_swingparty-june2010-mia-violet-noelle.png</image:loc><image:title>2021-01-14_SwingParty-June2010-Mia-Violet-Noelle</image:title><image:caption>Swinging Can Be Great Fun! It is also fun for investors.</image:caption></image:image><lastmod>2021-01-14T21:20:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/11/wmt-covered-call-sold-number-4/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-11_10-05-22-wmt-coveredcall-151-exp01-15-2021.png</image:loc><image:title>2021-01-11_10-05-22-WMT-CoveredCall-151-Exp01-15-2021</image:title><image:caption>A buyer thinks the price of WMT shares will increase to $150. I don't.</image:caption></image:image><lastmod>2021-01-11T17:10:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/09/profits-from-selling-options-using-covered-calls/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-09_wmt-coveredcall.png</image:loc><image:title>2021-01-09_WMT-CoveredCall</image:title><image:caption>WMT Covered Call expired below the $148 contract price.</image:caption></image:image><lastmod>2021-01-09T20:39:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/08/time-five-minute-friday/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-08-fiveminutefriday-time-cuckooclock.jpg</image:loc><image:title>2021-01-08 FiveMinuteFriday-TIME-CuckooClock</image:title><image:caption>Mom liked to call herself the "Cuckoo Grandma"</image:caption></image:image><lastmod>2021-01-09T23:50:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/04/2020-year-in-review-with-a-purpose/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2021/01/2021-01-04_cockpit-cessna172poster.jpg</image:loc><image:title>2021-01-04_Cockpit-Cessna172poster</image:title><image:caption>Before you fly you might want to plan</image:caption></image:image><lastmod>2021-01-04T14:04:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2021/01/02/lifes-small-slice-of-eternity/</loc><lastmod>2021-01-02T14:02:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/31/a-flood-of-navy-memories-via-pictures/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/1975may-slide99captainjohnsonussbagley-1.jpg</image:loc><image:title>Cmdr Johnson</image:title><image:caption>Cmdr Johnson aboard the USS Bagley DE-1069</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/1975may-slide99ensignflamm-ussbagley-2.jpg</image:loc><image:title>Ensign Flamm</image:title><image:caption>Ensign Flamm aboard the USS Bagley</image:caption></image:image><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/1975may-slide04waynewinquistussbagleysm3.jpg</image:loc><image:title>1975May-Slide04WayneWinquistUSSBagleySM3</image:title><image:caption>Aboard the USS Bagley DE-1069 May 1975</image:caption></image:image><lastmod>2021-01-01T12:59:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/29/seeking-alpha-updates-for-two-reits/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-29_seekingalpha-email-updates-stor-land.png</image:loc><image:title>2020-12-29_SeekingAlpha-Email-Updates-STOR-LAND</image:title><image:caption>The daily email updates from Seeking Alpha are packed with information.</image:caption></image:image><lastmod>2020-12-29T13:40:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/28/monthly-income-with-idle-cash-for-preferred-investors/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-28_income_investing_2ndhalf_2020_chart-pff.png</image:loc><image:title>2020-12-28_Income_investing_2ndhalf_2020_chart-PFF</image:title><image:caption>This suggests that higher risk is on the right. Be certain you understand the risks not shown.</image:caption></image:image><lastmod>2020-12-27T23:30:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/26/family-history-during-world-war-ii/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-26_fireman-clyde-winquist-usnavy.png</image:loc><image:title>2020-12-26_Fireman-Clyde-Winquist-USNAVY</image:title><image:caption>Fireman Clyde William Lynn Winquist WWII</image:caption></image:image><lastmod>2020-12-27T00:48:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/25/know-what-merry-christmas-means/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-25_family-merrychristmas-2018.png</image:loc><image:title>2020-12-25_Family-MerryChristmas-2018</image:title><image:caption>Merry Christmas is more than just a greeting card phrase.</image:caption></image:image><lastmod>2020-12-25T15:21:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/24/rating-tools-for-investment-decisions/</loc><lastmod>2020-12-24T17:17:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/23/invest-as-if-many-people-are-getting-older/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-23_age-graph-usa.png</image:loc><image:title>2020-12-23_Age-Graph-USA</image:title><image:caption>We are getting older and this changes our needs.</image:caption></image:image><lastmod>2020-12-23T14:36:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/18/six-reasons-why-stocks-might-be-best/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-18_stocksandetfs-header.png</image:loc><image:title>2020-12-18_StocksAndETFs-Header</image:title><image:caption>Think Strategy for Selecting ETFs and Stocks</image:caption></image:image><lastmod>2020-12-18T01:52:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/16/monthly-income-picks/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-16_monthlydividendlist.png</image:loc><image:title>2020-12-16_MonthlyDividendList</image:title><image:caption>Monthly Dividend Investments - December 2020</image:caption></image:image><lastmod>2020-12-16T12:09:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/11/comparing-dividend-focused-etfs/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-10_vym-dgro-dividendcharts.png</image:loc><image:title>2020-12-10_VYM-DGRO-DividendCharts</image:title><image:caption>VYM and DGRO Dividend Chart Comparison</image:caption></image:image><lastmod>2020-12-11T02:18:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/08/focused-industrial-real-estate/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-08_stag-blogcover.png</image:loc><image:title>2020-12-08_STAG-BlogCover</image:title><image:caption>STAG is a powerful REIT for monthly income</image:caption></image:image><lastmod>2020-12-08T12:43:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/05/utma-recommendations-and-gods-saving-plan/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-05_utma-blog-image.jpg</image:loc><image:title>2020-12-05_UTMA-BLOG-Image</image:title><image:caption>UTMA Accounts</image:caption></image:image><lastmod>2020-12-05T19:35:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com/2020/12/04/what-is-common-for-aeou-bcdgtvz-fhjklmrwxy/</loc><image:image><image:loc>https://proverbs27flocks.com/wp-content/uploads/2020/12/2020-12-04_cover-image-alphabet.jpg</image:loc><image:title>2020-12-04_COVER-Image-Alphabet</image:title><image:caption>The Green Letters Have Something in Common</image:caption></image:image><lastmod>2020-12-04T01:59:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://proverbs27flocks.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-04-03T22:33:40+00:00</lastmod></url></urlset>
