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  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-number-of-home-sales-is-lower-because-of-less-inventory-but-home-prices-are-still-climbing</loc>
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  <url>
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  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/h-d-photo</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wsj-say-real-estate-not-aways-in-inflation-hedge-actually-it-pretty-much-is</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/get-multiple-bids-and-go-with-the-lowest-qualified-bidder-don-t-be-distracted-by-smiles-etc</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/tucker-carlson-and-the-isolationism-without-limits-is-no-vice-crowd</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/super-book-on-baseball-pitching</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/putin-can-t-destroy-our-cities-the-democrats-already-did</loc>
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  <url>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/john-t-reed-s-review-of-the-hundred-year-marathon-by-michael-pillsbury</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/most-real-estate-rehab-loses-money-here-are-some-that-make-money</loc>
    <lastmod>2022-05-19T15:50:00-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/targeted-or-target-date-funds-are-now-hurting-seniors-well-duh</loc>
    <lastmod>2022-05-24T08:27:25-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-says-us-treasury-bonds-are-safe-by-what-definition</loc>
    <lastmod>2022-05-24T21:28:45-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/if-you-pound-baby-formula-makers-on-quality-and-demand-lower-prices-you-get-shortages</loc>
    <lastmod>2022-05-26T11:52:30-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/review-of-the-hundred-year-marathon-by-michael-pillsbury</loc>
    <lastmod>2022-05-30T17:47:29-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-dollar-blue-relief-valve-in-argentinian-hyperinflation</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/hannity-says-the-75-interest-rate-increase-will-cause-home-prices-to-plummet-he-s-nuts</loc>
    <lastmod>2022-06-15T18:56:25-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/only-look-at-after-inflation-and-after-tax-interest-rates</loc>
    <lastmod>2022-06-23T13:58:43-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-says-current-higher-than-normal-savings-may-cushion-a-downturn-do-they-know-what-inflation-does-to-cash</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-finally-admits-home-prices-are-still-going-up</loc>
    <lastmod>2022-06-30T10:44:54-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/us-dollar-death-spiral-or-vicious-circle-either-way-we-are-about-to-hit-a-wall</loc>
    <lastmod>2022-06-30T19:59:12-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/check-out-usmadata-com-for-what-you-need-to-know-about-west-point-that-west-point-won-t-tell-you</loc>
    <lastmod>2022-07-08T10:55:09-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-continues-its-incessant-anti-buy-a-home-campaign</loc>
    <lastmod>2022-07-21T19:41:57-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-vast-majority-of-rehabs-are-not-profitable-here-are-some-that-are-profitable</loc>
    <lastmod>2022-08-02T19:23:04-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/brrrr-is-how-to-invest-in-real-estate-in-1955</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/home-sellers-worry-they-waited-too-long-to-sell-not-until-prices-fall-they-did-not-the-wave-prices-are-still-there</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/interesting-ways-of-using-crypto-in-argentinian-hyperinflation</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/weight-loss-requires-eating-less-exercise-is-a-good-idea-for-other-reasons-but-it-is-a-brutal-way-to-get-trim</loc>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-big-picture-tv-show-about-about-a-fictional-west-point-cadet-named-john-reed-same-as-me-i-caught-hell-for-it-at-west-point</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-wall-street-journal-continues-trying-to-bad-mouth-home-values-even-though-they-keep-going-up</loc>
    <lastmod>2022-09-25T22:11:09-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-continues-to-try-to-spin-high-home-appreciation-rates-as-bad-news</loc>
    <lastmod>2022-09-29T20:32:26-07:00</lastmod>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/email-from-a-happy-user-of-my-defense</loc>
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  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-s-nicole-friedman-is-trying-to-spin-you-away-fro-the-best-current-investment</loc>
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  </url>
  <url>
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  <url>
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  </url>
  <url>
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  <url>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
  <url>
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  <url>
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  <url>
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  </url>
  <url>
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  </url>
  <url>
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  <url>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
  <url>
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      <image:title>Big real estate investors jumping out of the hurt-by-remote-working office frying pan into the rent-controlled, sue-your-ass-off apartment business fire</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/another-secret-documents-special-counsel-has-the-double-standard-ended</loc>
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  </url>
  <url>
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      <image:title>We need a Main Street Journal to supplement or replace the Wall Street Journal</image:title>
    </image:image>
  </url>
  <url>
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  <url>
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      <image:title>Tucker going conspiracy theorist. Too bad.</image:title>
    </image:image>
  </url>
  <url>
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      <image:title>Superabundance has enlightening history of the world</image:title>
    </image:image>
  </url>
  <url>
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      <image:title>This new blog has been made necessary by excessively woke censorship at Facebook.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/rejected-first-three-comments-here-i-rarely-had-to-do-that-on-facebook</loc>
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      <image:title>Rejected first three comments here—I rarely had to do that on Facebook</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-give-the-usual-lame-advice-to-small-landlords</loc>
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      <image:title>Wall Street Journal gives the usual lame advice to small landlords</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/dilbert-creator-scott-adams-alleged-racist-rant-was-no-such-thing</loc>
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      <image:title>Dilbert creator Scott Adams’ alleged ‘racist rant’ was no such thing.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/start-colon-cancer-screening-when-you-hit-40-previous-age-to-start-now-obsolete</loc>
    <lastmod>2023-03-26T18:09:13-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_127fd9bf-3b57-4cf5-a7aa-5f4a4856b211.png?v=1679879353</image:loc>
      <image:title>Start colon cancer screening when you hit 40. Previous age to start now obsolete.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/nicole-friedman-of-the-wall-street-journal-seems-to-be-ignoring-all-home-data-from-before-2013-in-her-incessant-bad-mouthing-of-homes-as-investments</loc>
    <lastmod>2023-03-08T22:05:31-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_5f5f4f75-8d65-44c8-916d-e6c7b308d43b.png?v=1678331655</image:loc>
      <image:title>Nicole Friedman of the Wall Street Journal seems to be ignoring all home data from before 2013 in her incessant bad-mouthing of homes as investments</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/taibbi-and-murray-defeat-gladwell-in-right-versus-left-debate</loc>
    <lastmod>2023-03-11T12:34:16-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_edc22c10-97e2-4ea5-85ac-015f4fe421cd.png?v=1678566856</image:loc>
      <image:title>Taibbi and Murray defeat Gladwell in right versus left debate</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-world-s-greatest-short-is-available-to-you</loc>
    <lastmod>2023-03-16T18:43:41-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c90ac94a-89ec-4894-aaff-0711174dbda2.png?v=1679017421</image:loc>
      <image:title>The world’s greatest short is available to you.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/plans-b-and-c-for-power-outages-and-commo-outages</loc>
    <lastmod>2023-03-26T18:08:09-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9cfb6bdc-1bdf-437e-89b9-55cff2502048.png?v=1679879289</image:loc>
      <image:title>Plans B and C for power outages and commo outages</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/get-the-biggest-40-year-fixed-rate-mortgage-on-your-home-that-you-can-safely-afford</loc>
    <lastmod>2023-03-26T18:07:14-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ffcd7118-53f3-4e4b-a370-7a2c5e00f364.png?v=1679879234</image:loc>
      <image:title>Get the biggest 30-year, fixed-rate mortgage on your home that you can safely afford.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wsj-s-main-home-prices-cooling-off-writer-now-admitting-they-are-going-up-on-most-of-the-us</loc>
    <lastmod>2023-03-28T19:52:57-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_da70da2c-1cf7-4cbf-ba1a-46c1bf114983.png?v=1680053792</image:loc>
      <image:title>WSJ’s main home prices ‘cooling off’ writer now admitting they are going up on most of the US.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-keeps-hiding-the-great-success-of-homes-as-an-investment</loc>
    <lastmod>2023-03-29T11:37:21-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b08edbe6-ddb0-4768-8962-bca6d5e0d34e.png?v=1680115041</image:loc>
      <image:title>Wall Street Journal keeps hiding the great success of homes as an investment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/dems-have-gone-too-far-by-indicting-trump</loc>
    <lastmod>2023-03-31T12:06:11-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_73149927-b2a2-40b5-a0df-9c55c70a5a67.png?v=1680238047</image:loc>
      <image:title>Dems have gone too far by indicting Trump</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/interesting-juxtaposition-of-diversified-assets-in-wall-street-journal-s-4-1-23</loc>
    <lastmod>2023-04-02T09:57:28-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ee2e9bcb-78a5-4fdc-8045-b9b26a4dddb6.png?v=1680454633</image:loc>
      <image:title>Interesting juxtaposition of diversified assets in Wall Street Journal’s 4/1/23 issue</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/huge-diversification-list-in-wall-street-journal</loc>
    <lastmod>2023-04-02T18:16:55-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_3474b845-6746-49ba-849c-ad74a06f9b65.png?v=1680482882</image:loc>
      <image:title>Huge diversification list in Wall Street Journal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-gotta-be-nuts-to-buy-an-annuity-today</loc>
    <lastmod>2023-04-08T11:31:37-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b8df1317-22a3-413a-942e-bd028346e0cb.png?v=1680909395</image:loc>
      <image:title>You gotta be nuts to buy an annuity today</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/hyperinflation-will-be-worse-than-the-great-depression</loc>
    <lastmod>2023-04-08T12:25:08-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9075da9a-3b5d-4046-a9cc-e3ae2f53e3fd.png?v=1680981908</image:loc>
      <image:title>Hyperinflation will be worse than the Great Depression</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/shoudl-we-send-us-troops-to-taiwan</loc>
    <lastmod>2023-04-09T15:32:16-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_cf6a4144-858e-440a-acb9-7cca319f1c86.png?v=1681061067</image:loc>
      <image:title>Should we send US troops to Taiwan?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/calm-down-about-ai-it-is-not-regulatable</loc>
    <lastmod>2023-04-12T11:15:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4a71d0dc-52fe-4974-a94d-8cd3c7a7393f.png?v=1681323324</image:loc>
      <image:title>Calm down about AI. It is not regulatable.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/nobody-is-ready-for-a-world-war-including-china</loc>
    <lastmod>2023-04-12T11:20:25-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_03b520e5-97d2-4a9a-aed3-3adb42439035.png?v=1681323625</image:loc>
      <image:title>Nobody is ready for a world war, including China.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/democrats-are-going-to-hold-their-2024-convention-in-chicago-no-joke</loc>
    <lastmod>2023-04-12T11:23:45-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_e3891ae8-d9bc-4db5-8162-6e4db6d5d637.png?v=1681323825</image:loc>
      <image:title>Democrats are going to hold their 2024 convention in Chicago. No joke.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/weekend-warrior-21-year-old-corporal-has-access-to-all-us-military-secrets-and-puts-the-on-the-net-for-fun</loc>
    <lastmod>2023-05-08T19:24:57-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_7fc80d68-917b-4e82-b5a7-873323a2b03c.png?v=1683599097</image:loc>
      <image:title>Weekend warrior 21-year old corporal has access to all US military secrets and puts the on the Net for fun.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-still-pushing-the-1930-60-40-strategy-and-its-mere-5-returns</loc>
    <lastmod>2023-04-13T22:22:39-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6876d25f-e59d-423e-9378-d3f373d5c0ec.png?v=1681449219</image:loc>
      <image:title>Wall Street Journal still pushing the 1930 60-40 strategy and its mere 5% returns</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wsj-says-gold-near-record-no-still-about-55-away-from-the-record</loc>
    <lastmod>2023-04-14T12:37:04-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d31fbbf4-4e45-468a-b020-f5dd7ec85f59.png?v=1681500950</image:loc>
      <image:title>WSJ says gold near record. No. Still about $500 away from the record.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/elon-musk-devastates-bbc-accuser-with-an-antidote-i-prescribed-in-my-how-to-spot-dishonest-arguments-book</loc>
    <lastmod>2023-04-14T13:11:34-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6aaffe8d-d4f7-4692-b98f-ec609fdc7634.png?v=1681503094</image:loc>
      <image:title>Elon Musk devastates BBC accuser with an antidote i prescribed in my How to Spot Dishonest Arguments book</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/opinion-polls-about-abstract-policy-questions-are-not-reliable-predictors-of-elections</loc>
    <lastmod>2023-04-14T19:00:43-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_55d68154-ee82-4f76-ac86-41f1a0976020.png?v=1681524043</image:loc>
      <image:title>Opinion polls about abstract policy questions are not reliable predictors of elections.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/open-letter-to-steve-forbes-about-his-wanting-to-return-to-a-gold-standard</loc>
    <lastmod>2023-05-08T19:24:08-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_fc6ea11f-5e66-4bc3-869a-5aca6198f73e.png?v=1683599048</image:loc>
      <image:title>Open letter to Steve Forbes about his wanting to return to a gold standard</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/how-your-upcoming-or-recent-graduate-can-succeed-in-the-real-world</loc>
    <lastmod>2023-05-08T19:23:29-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_dea60395-f3fe-43c0-a210-1ecf05e82814.png?v=1683599009</image:loc>
      <image:title>How your upcoming or recent graduate can succeed in the real world</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/buying-puts-that-are-unlikely-to-pay-off-but-hit-big-when-they-do</loc>
    <lastmod>2023-07-08T08:09:57-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f458d040-85ef-4ffe-b4a6-a2fdd5a15a18.png?v=1688828997</image:loc>
      <image:title>Buying puts that are unlikely to pay off but hit big when they do</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-says-crypto-may-be-too-popular-to-die-bull</loc>
    <lastmod>2023-06-11T23:01:57-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_42919f17-6b19-49fb-ad29-5a7dc3866f52.png?v=1686549717</image:loc>
      <image:title>Wall Street Journal says crypto may be too popular to die. Bull!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/misleading-wall-street-journal-story-that-hides-how-good-of-an-investment-a-home-is</loc>
    <lastmod>2023-07-08T08:09:08-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_dc8bbc21-870f-43a0-8ad1-7c638dd0444e.png?v=1688828948</image:loc>
      <image:title>Misleading Wall Street Journal story that hides how good of an investment a home is</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-buy-rental-property-just-more-and-more-expensive-principal-residences</loc>
    <lastmod>2023-07-08T08:15:01-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_2acddcf4-25d7-435a-855f-b5da5f9fafcd.png?v=1688828791</image:loc>
      <image:title>Do not buy rental property; just more and more expensive principal residences.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-says-china-may-get-deflation-what-is-that</loc>
    <lastmod>2023-07-12T10:49:55-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4363173b-0e8a-4953-bfc9-1231ebe1f6f9.png?v=1689184195</image:loc>
      <image:title>Wall Street Journal says China may get deflation. What is that?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/a-reverse-mortgage-is-a-great-way-to-profit-from-inflation-by-shorting-the-purchasing-power-of-the-us-dollar</loc>
    <lastmod>2023-07-12T12:20:59-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_20a0232a-e256-4221-87ec-bbbf21939631.png?v=1689188294</image:loc>
      <image:title>A reverse mortgage is a great way to profit from inflation by shorting the purchasing power of the US dollar</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-wall-street-journal-continues-to-mislead-as-to-the-resilience-of-the-home-as-an-investment</loc>
    <lastmod>2023-07-21T11:03:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4dabeab5-84a2-4df0-b988-a005999eb340.png?v=1689962604</image:loc>
      <image:title>The Wall Street Journal continues to mislead as to the resilience of the home as an investment.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-again-claiming-homes-are-in-a-slump-when-they-went-up-3-9</loc>
    <lastmod>2023-09-22T11:31:37-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f17645d3-95c9-47a4-9520-ce022c138e0c.png?v=1695407497</image:loc>
      <image:title>Wall Street Journal again claiming homes are in a slump when they went up 3.9%</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/biden-s-shakiness-notwithstanding-the-west-s-response-to-putin-s-ukraine-invasion-may-be-about-right</loc>
    <lastmod>2023-09-23T21:06:54-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ae570569-7819-491c-a3f2-bbad53721cdd.png?v=1695528414</image:loc>
      <image:title>Biden’s shakiness notwithstanding, the West’s response to Putin’s Ukraine invasion may be about right.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-best-real-interest-rate-yield-you-can-get-is-probably-paying-down-one-of-your-loans</loc>
    <lastmod>2024-02-04T18:36:17-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9e49021b-8cd4-402f-aac4-a5d019acb633.png?v=1707100577</image:loc>
      <image:title>The best real interest rate yield you can get is probably paying down one of your loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/american-senior-richer-than-ever-and-luckier-than-ever</loc>
    <lastmod>2023-11-10T19:30:48-08:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_68d25e40-f2b9-4923-8f00-fd9f69b23836.png?v=1699673448</image:loc>
      <image:title>American senior richer than ever, and luckier than ever</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-says-home-buying-math-no-longer-good-bull</loc>
    <lastmod>2023-12-12T15:46:11-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_0543600f-a58b-4e6b-92f3-f8032655f0e8.png?v=1702424771</image:loc>
      <image:title>Wall Street Journal says home buying math no longer good. Bull!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/niner-dre-greenlaw-violated-my-clock-management-rule-in-packers-playoff-game-thereby-risking-losing-the-game</loc>
    <lastmod>2024-01-21T08:28:50-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_daee5af2-46e2-4f5a-8f02-94ebf1b9d67b.png?v=1705854530</image:loc>
      <image:title>Niner Dre Greenlaw violated my clock management rule in Packers playoff game thereby risking losing the game</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/use-your-state-landlord-trade-association-s-lease</loc>
    <lastmod>2024-02-03T21:53:11-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_a01c5896-017b-434f-b6ab-3160abf701ab.png?v=1707025651</image:loc>
      <image:title>Use your state landlord trade association’s lease</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/how-to-behave-when-you-cross-the-border-following-my-hyperinflation-advice</loc>
    <lastmod>2024-02-04T16:54:46-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f0f47a17-be4d-41cf-8733-71a571159898.png?v=1707094486</image:loc>
      <image:title>How to behave when you cross the border following my hyperinflation advice</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-wall-street-journal-and-fox-news-business-lack-expertise-on-real-estate-investment-inflation-and-2024-warfae</loc>
    <lastmod>2024-02-04T18:39:11-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_0b71bfad-ecf4-4a5a-ac13-f4f05fed1335.png?v=1707100331</image:loc>
      <image:title>The Wall Street Journal and Fox News/Business lack expertise on real estate investment, inflation, and 2024 warfare</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/niners-have-the-most-bunched-up-offensive-formations-in-the-nfl</loc>
    <lastmod>2024-02-06T17:27:54-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_74c76b00-9479-4d7f-8d40-87cd0af84484.png?v=1707269274</image:loc>
      <image:title>Niners have the most bunched up offensive formations in the NFL</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-alway-pay-market-interest-rates-when-you-buy-a-house-with-a-mortgage</loc>
    <lastmod>2024-02-24T18:27:24-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_df44d73c-53fe-479c-9826-0cf4e8fcd88f.png?v=1708828044</image:loc>
      <image:title>You alway pay market interest rates when you buy a house with a mortgage</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-probably-can-afford-to-buy-a-home-in-spite-of-so-many-telling-you-that-you-cannot</loc>
    <lastmod>2024-02-08T15:07:29-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_092864f4-a4a8-41cc-bc9a-901acfb9a96a.png?v=1707433649</image:loc>
      <image:title>You probably CAN afford to buy a home in spite of so many telling you that you cannot</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/deflation-in-china-possible-here-what-to-do</loc>
    <lastmod>2024-02-09T11:14:22-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_39e9d5e6-771c-46ee-962d-eaddc8c68266.png?v=1707506062</image:loc>
      <image:title>Deflation in China; possible here? What to do.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/in-superbowl-tony-romo-incorrectly-said-mahomes-should-have-spiked-the-ball-with-26-left-in-regulation</loc>
    <lastmod>2024-02-12T12:47:59-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ca7a7b0d-c0aa-4273-908e-0b660d5ce9cb.png?v=1707770879</image:loc>
      <image:title>In Superbowl, Tony Romo incorrectly said Mahomes should have spiked the ball with :26 left in regulation.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/stop-giving-athletes-extra-credit-for-come-from-behind-victories-when-you-scored-is-meangingless</loc>
    <lastmod>2024-02-13T10:28:38-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_edd032bd-4dcd-4f7f-8bd9-d3f0d2cda8e1.png?v=1707848918</image:loc>
      <image:title>Stop giving athletes extra credit for come-from-behind victories. When you scored is meangingless.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/we-need-afghanistan-1989-not-d-day-1944-in-ukraine-today-contrary-to-wes-clark-s-op-ed</loc>
    <lastmod>2024-02-15T21:16:51-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_54a9cf0b-f54e-4721-bbaa-91a2aab197c9.png?v=1708060611</image:loc>
      <image:title>We need Afghanistan 1989, not D-Day 1944, in Ukraine today, contrary to Wes Clark’s op-ed</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/mcnamara-s-morons-during-the-vietnam-war-drafting-the-unfit-to-protect-the-elite</loc>
    <lastmod>2024-02-18T11:55:22-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_93f8b6e9-0971-4387-8340-59d316ca8bf8.png?v=1708286122</image:loc>
      <image:title>McNamara’s morons during the Vietnam War, drafting the unfit to protect the elite</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/experts-still-implying-you-should-wait-to-buy-a-home-because-of-poor-analysis</loc>
    <lastmod>2024-02-23T09:56:25-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f5e717ea-5770-4c2b-bbf6-9012a8c16192.png?v=1708710801</image:loc>
      <image:title>‘Experts’ still implying you should wait to buy a home because of poor analysis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/college-claiming-anew-that-they-teach-students-how-to-think-critically-but-they-do-not</loc>
    <lastmod>2024-02-24T18:25:39-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_51b42cef-bf08-4b4d-b3e0-4de759d1274d.png?v=1708827939</image:loc>
      <image:title>Colleges claiming anew that they teach students how to think critically, but they do not</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/nuclear-attack-on-us-satellites</loc>
    <lastmod>2024-02-25T19:51:21-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_2fedb6e1-51d6-4776-a955-ad127e7cd468.png?v=1708919481</image:loc>
      <image:title>Nuclear attack on US satellites</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/which-is-the-better-parent-trump-or-biden</loc>
    <lastmod>2024-02-27T11:25:32-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_64d36ccd-e8a3-4603-9bf0-037d6f2f333a.png?v=1709061932</image:loc>
      <image:title>Who is the better parent: Trump or Biden?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/gold-is-an-awful-inflation-hedge-here-s-a-better-one</loc>
    <lastmod>2024-02-29T18:45:07-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_fe05e0a5-b5e3-4616-9f81-e5e822133239.png?v=1709259070</image:loc>
      <image:title>Gold is an awful inflation hedge, here’s a better one</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/recent-interest-rate-drops-do-not-mean-stocks-will-go-up</loc>
    <lastmod>2024-03-08T20:40:19-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_62c0589d-e53a-442c-8dd4-b7d16e5179d8.png?v=1709959219</image:loc>
      <image:title>Recent interest rate drops do NOT mean stocks will go up</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/beware-of-locking-in-high-interest-rates</loc>
    <lastmod>2024-03-04T20:51:18-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_1ec31c07-85a8-49e5-bfe9-964425ba0046.png?v=1709614278</image:loc>
      <image:title>Beware of locking in ‘high’ interest rates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/could-we-retire-the-infantry-frontal-assault</loc>
    <lastmod>2024-03-07T20:38:09-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_afb6e718-5543-4783-8840-4585db3c31d6.png?v=1709871297</image:loc>
      <image:title>Could we retire the infantry frontal assault?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/china-is-a-paper-tiger-militarily-compared-to-the-us-and-its-allies</loc>
    <lastmod>2024-03-07T20:21:34-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_29670bc7-9567-44df-86a7-c7ab50aa2915.png?v=1709871694</image:loc>
      <image:title>China is a paper tiger militarily compared to the US and its allies.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/storing-important-things-where-you-and-your-heirs-can-find-them</loc>
    <lastmod>2024-03-08T20:34:51-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d5045395-6489-4844-9730-3fec668a09e8.png?v=1709958891</image:loc>
      <image:title>Storing important things where you and your heirs can find them</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/heritage-foundation-give-us-a-few-years-until-all-tax-revenue-must-be-spent-on-debt</loc>
    <lastmod>2024-03-09T11:09:57-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_3b05b1b0-97e8-4503-8d4f-fee22dacde07.png?v=1710009160</image:loc>
      <image:title>RED ALERT: Heritage Foundation gives us only a “few years” until all tax revenue must be spent on debt</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/how-to-add-a-bedroom-and-bath-profitably-as-opposed-to-reddit-nonsense</loc>
    <lastmod>2024-03-12T14:15:22-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_8d3ca08a-1f31-4a7f-8c96-7f7f4628e157.png?v=1710207211</image:loc>
      <image:title>How to add a bedroom and bath profitably, as opposed to REDDIT nonsense</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/no-tax-benefits-for-owning-a-duplex-in-a-state-where-you-do-not-live</loc>
    <lastmod>2024-03-12T16:14:58-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c507ad80-f6e9-400f-97f6-9f75e0b89d06.png?v=1710283966</image:loc>
      <image:title>No tax benefits for owning a duplex in a state where you do not live</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/west-point-removing-the-words-duty-honor-country-from-mission-statement</loc>
    <lastmod>2024-03-14T11:44:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d22bf8ca-e193-4d59-9962-25a8578d8f59.png?v=1710441864</image:loc>
      <image:title>West Point removing the words Duty Honor Country from mission statement</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/reddit-reader-worried-about-irc-1031-tax-free-exchanges</loc>
    <lastmod>2024-03-14T18:57:53-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6b51aea8-57af-4340-9b9d-f27941c4c864.png?v=1710467760</image:loc>
      <image:title>REDDIT reader worried about IRC §1031 tax-free exchanges</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/i-will-believe-real-estate-commissions-will-fall-when-i-see-it</loc>
    <lastmod>2024-03-16T08:43:07-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b6b058b5-2c57-455d-b5ee-eec2445be00a.png?v=1710603787</image:loc>
      <image:title>I will believe real estate commissions will fall when I see it</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/get-tile-insurance-when-you-buy-real-estate-or-do-a-thorough-title-search-yourself</loc>
    <lastmod>2024-03-17T13:03:42-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_790ceaae-2489-4dc9-911e-ab56cafc686a.png?v=1710705822</image:loc>
      <image:title>Get title insurance when you buy real estate or do a thorough title search yourself</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/should-you-take-advantage-of-an-assumable-low-interest-rate-mortgage</loc>
    <lastmod>2024-03-18T21:19:16-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_1f7362dc-69e6-47f0-a79e-c2fe62b79431.png?v=1710821198</image:loc>
      <image:title>Should you take advantage of an assumable low-interest-rate mortgage</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-complicate-your-real-estate-investing-with-llcs-or-other-such-nonsense</loc>
    <lastmod>2024-03-19T20:04:54-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b3b06b1e-8f24-411b-a860-192e8c33334a.png?v=1710903180</image:loc>
      <image:title>Do not complicate your real estate investing with LLCs or other such nonsense</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/how-do-you-buy-real-estate-with-crypto-should-you</loc>
    <lastmod>2024-03-20T12:17:32-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_5629b448-31cf-423c-896b-d80eadeea309.png?v=1710962252</image:loc>
      <image:title>How do you buy real estate with crypto? Should you?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/reddit-reader-wants-to-know-whether-t-buy-negative-cash-flow-triplex</loc>
    <lastmod>2024-03-21T19:46:37-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d7b09230-7dfc-4e5c-a4bf-00164eda022a.png?v=1711075430</image:loc>
      <image:title>REDDIT reader wants to know whether to buy negative-cash-flow triplex</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/profit-from-cosmetic-rehab-sought-by-a-reddit-reader-is-a-myth</loc>
    <lastmod>2024-03-22T21:16:29-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b14d0959-3e87-4ff2-9a75-d88cb2a694f0.png?v=1711167169</image:loc>
      <image:title>Profit from cosmetic rehab sought by a REDDIT reader is a myth</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/a-bunch-of-lawyer-parents-suing-each-other-over-little-league-cheating</loc>
    <lastmod>2024-03-23T15:47:38-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_bc616a5a-19b0-4279-a935-8846e522953b.png?v=1711233941</image:loc>
      <image:title>A bunch of lawyer parents suing each other over Little League cheating.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/reddit-real-estate-investor-leery-of-creepy-agents-want-to-lease-his-property</loc>
    <lastmod>2024-03-23T22:18:23-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_042506c8-34a8-4e5a-90c2-f62ccf9cb05d.png?v=1711257315</image:loc>
      <image:title>REDDIT real estate investor leery of creepy agents want to lease his property</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/gold-is-now-double-its-real-long-term-average-price-sell</loc>
    <lastmod>2024-03-24T22:41:22-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_0d2890b9-c878-4d2f-acb0-c1e004c16c18.png?v=1711345282</image:loc>
      <image:title>Gold is now double its real long term average price. Sell.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/nickel-is-a-buy-and-a-better-inflation-hedge-than-gold-or-silver</loc>
    <lastmod>2024-03-26T19:46:56-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_bf49db7a-90ef-4104-b5e5-071337072a09.png?v=1711507616</image:loc>
      <image:title>Nickel is a buy and a better inflation hedge than gold or silver</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/silver-is-better-than-gold-but-nickel-is-much-better-than-both-for-hedging-against-inflation</loc>
    <lastmod>2024-03-26T19:54:25-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c4932023-131b-41bd-877e-1ea17a40fdbf.png?v=1711507911</image:loc>
      <image:title>Silver is better than gold but nickel is much better than both for hedging against inflation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/investment-basics</loc>
    <lastmod>2024-06-10T18:31:17-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_3fab09d1-7aa0-4b92-b7ec-718954704de5.png?v=1711836779</image:loc>
      <image:title>Stock Market Investment Basics</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/two-3-30-24-wall-street-journal-article-gold-statements-worth-noting</loc>
    <lastmod>2024-03-30T18:08:23-07:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_34d20b03-a4f3-4dd9-8e07-44acce9cc00b.png?v=1711847068</image:loc>
      <image:title>Two 3/30/24 Wall Street Journal article gold statements worth noting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/staging-and-fixing-houses-are-rarely-profitable-a-waste-of-your-money</loc>
    <lastmod>2024-03-31T16:13:40-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ce35b35d-4a67-4f0d-85ce-b020798febaa.png?v=1711926282</image:loc>
      <image:title>Staging and fixing houses are rarely profitable. They are usually a waste of your money.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-article-article-in-retirement-finances-leaves-out-hoe-equity</loc>
    <lastmod>2024-04-03T20:42:15-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d185612b-6291-47f7-8770-61ba34d74abe.png?v=1712202121</image:loc>
      <image:title>Wall Street Journal article article on retirement finances leaves out home equity</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/should-you-buy-costco-gold-or-solver-bars-no-here-s-why</loc>
    <lastmod>2024-04-08T10:33:49-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4df27e54-ced2-489a-aa7c-6d92d252f0b2.png?v=1712597560</image:loc>
      <image:title>Should you buy Costco gold or silver bars? No. Here’s why.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/malkiel-s-stock-recommendation-82-top-50-us-and-18-top-50-international</loc>
    <lastmod>2024-04-16T18:48:23-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_01dff054-3d1f-4acd-9a1b-9abf9a7d8780.png?v=1713318503</image:loc>
      <image:title>Malkiel’s stock recommendation: 82% top 50 US and 18% top 50 international</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-bullet-at-baldwin-s-movie-set</loc>
    <lastmod>2024-04-16T18:58:03-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d78d22ec-b7ce-4eea-9194-8f497e4acdd5.png?v=1713318948</image:loc>
      <image:title>The bullet at Baldwin’s movie set</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/can-detroit-come-back-real-estate-wise</loc>
    <lastmod>2024-04-24T11:56:25-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c51d895f-5e43-4f62-984d-4503ac64b74a.png?v=1713984985</image:loc>
      <image:title>Can Detroit come back real-estate-wise?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/is-a-gold-standard-the-answer-to-preventing-hyperinflation-will-it-happen</loc>
    <lastmod>2024-05-01T20:28:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_738adabc-02df-41bf-a251-bdc1252e19a9.png?v=1714620504</image:loc>
      <image:title>Is a gold standard the answer to preventing hyperinflation? Will it happen?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/tump-nyc-judge-worried-that-175m-cash-may-fall-in-value</loc>
    <lastmod>2024-04-24T12:08:34-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_979d5000-1ac1-47df-aab7-788f6cfe4fe6.png?v=1713985538</image:loc>
      <image:title>Tump NYC judge worried that $175M cash may fall in value!?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/anti-israel-demonstrations-are-not-about-israel-it-s-parent-painting</loc>
    <lastmod>2024-04-24T12:15:18-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_56c46563-1b32-4bf8-a5db-fa4231364cb4.png?v=1713986118</image:loc>
      <image:title>Anti-Israel demonstrations are not about Israel. It’s parent painting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/forbes-and-me-on-how-to-protect-your-self-from-inflation</loc>
    <lastmod>2024-04-24T12:25:37-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_95ded772-5fd9-47ba-b399-5250f88f1379.png?v=1713986316</image:loc>
      <image:title>Forbes  and me on how to protect yourself from inflation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/most-people-would-not-know-how-to-spend-sums-like-several-million-wisely</loc>
    <lastmod>2024-06-04T19:13:43-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_0b471e99-b700-4424-8a6d-e94e863bf410.png?v=1714619724</image:loc>
      <image:title>Most people would not know how to spend sums like several million wisely</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-can-sell-valuable-personal-property-now-maybe-not-after-hyperinflation-starts</loc>
    <lastmod>2024-05-29T18:56:27-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_27797219-3f8a-433a-aa24-795b6b5d21c9.png?v=1717034187</image:loc>
      <image:title>You can sell valuable personal property now. Maybe not after hyperinflation starts.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-can-live-like-a-king-in-a-hyperinflated-nation-if-you-are-not-a-citizen-of-that-country</loc>
    <lastmod>2024-05-29T19:05:22-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_8ba9c7a2-b09b-4c27-9175-5f0683114c83.png?v=1717034722</image:loc>
      <image:title>You can live like a king in a hyperinflated nation if you are not a citizen of that country.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-buy-bonds</loc>
    <lastmod>2024-05-29T19:18:02-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9cc4967d-fa9e-4570-9132-ece7de9459d3.png?v=1717035396</image:loc>
      <image:title>Do not buy bonds.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/foreign-currency-can-save-you-from-inflation-below-the-hyperinflation-level</loc>
    <lastmod>2024-05-29T19:25:45-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_bfaec0b2-3bb9-4331-b35e-e210a39771e0.png?v=1717035945</image:loc>
      <image:title>Foreign currency can save you from inflation below the hyperinflation level.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-notion-that-the-marines-or-the-army-never-leave-a-soldier-behind-is-wrong</loc>
    <lastmod>2024-05-29T19:33:20-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_bde3bb2b-ca1d-4abd-ac66-5a68f2c0356e.png?v=1717036400</image:loc>
      <image:title>The notion that the marines or the army never leave a soldier behind is wrong.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/create-your-own-foreign-exchange-index-fund</loc>
    <lastmod>2024-05-29T19:46:04-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_89fac55a-c7a3-4d97-a616-93d726af0703.png?v=1717036922</image:loc>
      <image:title>Create your own foreign exchange ‘index fund’ to save you from hyperinflation.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/if-you-want-to-be-good-at-2024-war-go-to-ukraine-and-take-notes</loc>
    <lastmod>2024-06-04T19:05:45-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c6d092b0-c2c3-4b00-9a73-237f44aef553.png?v=1717553145</image:loc>
      <image:title>If you want to be good at 2024 war, go to Ukraine and take notes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-right-things-for-rich-people-to-buy</loc>
    <lastmod>2024-06-04T19:10:38-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_157556cb-f34a-4eb9-974a-a974cbf72875.png?v=1717553438</image:loc>
      <image:title>The right things for rich people to buy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-buy-a-cash-annuity-life-estates-and-ram-mortgages-that-pay-a-lump-sum-or-okay</loc>
    <lastmod>2024-06-21T18:06:54-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c2f73be5-0e88-43fd-b8ee-e21067e3e77c.png?v=1717568596</image:loc>
      <image:title>Do not buy a cash annuity. Life estates and RAM mortgages that pay a lump sum are okay.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/figure-out-how-you-are-going-to-get-out-of-a-real-estate-investment-before-you-get-in</loc>
    <lastmod>2024-06-08T17:06:14-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_5c25f46d-010f-442f-b9ba-645dda8883b0.png?v=1717891574</image:loc>
      <image:title>Figure out how you are going to get OUT of a real estate investment before you get IN.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/no-felony-convicts-should-be-allowed-in-the-us-military</loc>
    <lastmod>2024-06-14T19:48:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_0bb21af8-a21c-42de-856e-d8fad6cc3084.png?v=1717891890</image:loc>
      <image:title>No felony convicts should be allowed in the US military</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-buy-a-condo-ever</loc>
    <lastmod>2024-06-18T19:32:23-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_98af37e1-163e-4cfc-8fc2-033f21647a0f.png?v=1718762368</image:loc>
      <image:title>Do not buy a condo—ever.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/why-treasury-inflation-protected-securities-do-not-adequately-protect-you-from-inflation</loc>
    <lastmod>2024-06-19T19:34:57-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_b0408a54-5dd7-4f23-a60e-576ddf85b45c.png?v=1718850897</image:loc>
      <image:title>Why Treasury Inflation-Protected Securities do not adequately protect you from inflation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/problems-with-iras-and-401ks-you-probably-never-heard-about</loc>
    <lastmod>2024-06-21T18:03:47-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_68ef9694-0cbb-4741-9937-bb86b8f6b344.png?v=1719018227</image:loc>
      <image:title>Problems with IRAs and 401(k)s you probably never heard about</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/are-financial-advisers-really-right-about-the-benefits-of-rebalancing-and-diversification</loc>
    <lastmod>2024-06-23T21:06:28-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_ef34b318-e7e4-4342-b2de-1333f8213f86.png?v=1719201988</image:loc>
      <image:title>Are financial advisers really right about the benefits of rebalancing and diversification?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/no-one-can-predict-the-future-but-most-financial-experts-implicitly-base-their-advice-on-the-past</loc>
    <lastmod>2024-06-23T21:22:52-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_799c71f9-a847-4069-bfb5-91a581ecbf89.png?v=1719202817</image:loc>
      <image:title>No one can predict the future but most financial ‘experts’ implicitly base their advice on the past repeating in the future</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/why-kamala-cannot-get-rid-of-obstacles-to-lower-home-prices</loc>
    <lastmod>2024-08-16T17:41:36-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f2213e1c-5d4d-45a8-9ccb-cd040017ef5b.png?v=1723855296</image:loc>
      <image:title>Why Kamala cannot get rid of obstacles to lower home prices</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/kamala-price-controls-will-empty-the-store-shelve</loc>
    <lastmod>2024-08-26T10:46:15-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_32696d48-5518-430e-b0b9-281cea95b599.png?v=1723855795</image:loc>
      <image:title>Kamala price controls will empty the store shelves</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/kamala-will-empy-store-shelves-if-the-wins-by-forcing-stores-to-sell-everything-at-a-loss</loc>
    <lastmod>2024-09-20T11:07:07-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_e1051f30-4ce5-4ba9-b30c-311803f3c602.png?v=1724693823</image:loc>
      <image:title>Kamala will empty store shelves if she wins by forcing stores to sell everything at a loss</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/rams-lost-to-the-lions-because-they-did-not-comply-with-my-pace-graph-on-their-take-the-lead-possession</loc>
    <lastmod>2024-09-09T20:17:23-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4384c7f4-7396-48a0-a153-0fef0daa8dc3.png?v=1725938243</image:loc>
      <image:title>Rams lost to the Lions because they did not comply with my pace graph on their take-the-lead possession</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/don-t-tell-me-i-can-t-call-illegals-wading-across-the-rio-grande-river-wetbacks</loc>
    <lastmod>2024-09-14T15:24:42-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6996d541-7790-4816-8730-40dffde178e1.png?v=1726352553</image:loc>
      <image:title>Don’t tell me I can’t call illegals wading across the Rio Grande River wetbacks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/how-i-got-over-fear-of-buying-my-first-duplex</loc>
    <lastmod>2024-09-20T10:55:16-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_38ded4e6-8737-46f5-a679-ff2666f6bf3c.png?v=1726854916</image:loc>
      <image:title>How I got over fear of buying my first duplex.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/why-now-is-a-good-time-to-buy-a-home-notwithstanding-everyone-telling-you-to-wait</loc>
    <lastmod>2024-09-20T11:04:18-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_3b302277-5e1a-4723-a967-57f6e291b16e.png?v=1726855458</image:loc>
      <image:title>Why now is a good time to buy a home notwithstanding everyone telling you to wait.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/you-have-been-warned-more-about-the-coming-hyperinflation-than-you-were-warned-about-any-other-financial-crisis-yet-hardly-anyone-is-taking-the-protective-steps-that-will-be-illegal-the-day-the-dollar-dies</loc>
    <lastmod>2024-09-20T11:16:49-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_399e4230-a981-460c-a4c5-4c341c5d319f.png?v=1726855902</image:loc>
      <image:title>You have been warned more about the coming hyperinflation than you were warned about any other financial crisis, yet hardly anyone is taking the protective steps that will be illegal after the day the dollar dies.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-horrible-five-stages-of-a-us-hyperinflation-crisis-today</loc>
    <lastmod>2024-09-20T15:51:24-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_7805b31a-a97d-4e92-91b8-a3155a2602b9.png?v=1726858869</image:loc>
      <image:title>The horrible five stages of a US hyperinflation crisis today</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/response-to-houthis</loc>
    <lastmod>2024-09-28T19:31:54-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c9963fe4-a61a-45c0-b78e-596006658e2d.png?v=1727577114</image:loc>
      <image:title>response to Houthis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/helene-victims-should-have-stockpiled-these-items-before-the-hurricane</loc>
    <lastmod>2024-10-02T14:41:10-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_c5fde9f0-9ab1-440c-bd73-e11a1e4ccf7d.png?v=1727905270</image:loc>
      <image:title>Helene victims should have stockpiled these items before the hurricane.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/cal-lost-to-8-miami-with-26-left-in-the-game-because-of-clock-management-mistakes</loc>
    <lastmod>2024-10-06T11:00:48-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_cdf8d35d-5c58-4667-8f4c-2c7f0d2d3f3a.png?v=1728235184</image:loc>
      <image:title>Cal lost to #8 Miami with :26 left in the game because of clock-management mistakes.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/bills-did-not-lose-to-texans-due-to-clock-management-mistakes</loc>
    <lastmod>2024-10-06T19:20:14-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_f2150e7b-7c97-4710-9b57-8fdaf8b7c5e1.png?v=1728267614</image:loc>
      <image:title>Bills did not lose to Texans due to clock management mistakes.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/new-harvard-coaches-loses-first-ivy-game-for-lack-of-my-clock-book-prior-harvard-coach-had-it</loc>
    <lastmod>2024-10-29T15:49:32-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_50236819-621b-4034-8b1c-60413176a397.png?v=1730241885</image:loc>
      <image:title>New Harvard coach loses first Ivy game for lack of my clock book. Prior Harvard coach had it.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-west-point-class-of-the-gulf-of-tonkin</loc>
    <lastmod>2024-11-04T11:08:29-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_d0eb58dd-118b-4114-98af-cb35a2b824ca.png?v=1730747309</image:loc>
      <image:title>The West Point Class of the Gulf of Tonkin</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/pandora-is-free-sxm-is-expensive-and-not-as-good</loc>
    <lastmod>2024-12-20T11:19:46-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_381c99b8-b318-4ea6-b08f-85f2656ef9c3.png?v=1734722386</image:loc>
      <image:title>Pandora is free; SXM is expensive and not as good</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-go-for-two-because-you-missed-a-one-point-p-a-t-previously</loc>
    <lastmod>2024-12-25T20:25:33-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4e949571-5756-4378-8610-311d6f1db9f1.png?v=1735186888</image:loc>
      <image:title>Do NOT go for two because you missed a one point P.A.T previously,</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/bengals-won-in-ot-but-could-have-won-in-regulation-with-better-clock-management</loc>
    <lastmod>2024-12-28T17:41:42-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_44804d31-a654-4d34-b720-5c6ac4fcdc90.png?v=1735436502</image:loc>
      <image:title>Bengals won in OT but could have won in regulation with better clock management</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/john-t-reed-s-rules-of-investment</loc>
    <lastmod>2025-12-20T21:21:22-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_684d3334-5d4e-472c-a6ea-131058274204.png?v=1766294482</image:loc>
      <image:title>John T. Reed’s rules of investment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/understand-diversification</loc>
    <lastmod>2025-01-04T18:39:28-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_7b331dc5-4a0a-4096-a228-70d0efa635e2.png?v=1736044768</image:loc>
      <image:title>Understand diversification</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-still-unwisely-telling-everyone-now-is-not-the-time-to-buy-a-home</loc>
    <lastmod>2025-01-25T10:26:38-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTRportraitFischerretouched_f1bf8438-5592-4a76-bf35-d50a3f6e0395.jpg?v=1737829598</image:loc>
      <image:title>Wall Street Journal still unwisely telling everyone now is not the time to buy a home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/do-not-buy-tips-for-inflation-protection</loc>
    <lastmod>2025-02-15T15:03:08-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9599b7d3-4212-4be1-b9fb-357756599e28.png?v=1739660588</image:loc>
      <image:title>Do NOT buy TIPS for inflation protection</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/capital-is-often-not-free-but-you-are-prepare-to-use-that</loc>
    <lastmod>2025-03-01T20:46:57-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_df239399-ca4b-4a47-b10f-ddf8507a76b6.png?v=1740890817</image:loc>
      <image:title>Capital is often not free, but you are. Prepare to use that.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-pushes-extremely-bad-rent-to-own-scheme-to-counter-high-mortgage-rates</loc>
    <lastmod>2025-03-07T16:56:10-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_303de79b-dcad-41a1-a685-10478873bc28.png?v=1741395370</image:loc>
      <image:title>Wall Street Journal pushes extremely bad Rent-to-own scheme to counter high mortgage rates.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/wall-street-journal-will-not-praise-homes-as-investments-even-after-80-equity-rise-in-5-years</loc>
    <lastmod>2025-04-09T15:04:01-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6a00ca9f-4180-4534-a967-7fb96c383a4c.png?v=1744236241</image:loc>
      <image:title>Wall Street Journal will not praise homes as investments even after 80% equity rise in 5 years</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/the-math-geniuses-who-make-guaranteed-lottery-profits</loc>
    <lastmod>2025-04-14T11:29:00-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_5fa7ea27-f65b-4c6e-9cb1-d5420a0f7ef5.png?v=1744655340</image:loc>
      <image:title>The math geniuses who make guaranteed lottery profits</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/on-passing-the-football-at-the-high-school-and-lower-levels</loc>
    <lastmod>2025-09-13T09:17:48-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_4f088a90-3032-41af-9f2b-b6b75ad92556.png?v=1757780268</image:loc>
      <image:title>On passing the football at the high school and lower levels</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/flag-football-needs-to-get-rid-of-the-flag</loc>
    <lastmod>2025-09-28T18:44:12-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_9a50c9bd-9551-4b9e-8eb1-dc55d8b3d96c.png?v=1759110252</image:loc>
      <image:title>Flag football needs to get rid of the flag</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/girl-flag-football-players-should-not-be-trying-to-stop-the-banned-131-years-ago-flying-wedge-play</loc>
    <lastmod>2025-10-30T10:21:51-07:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_fe5d9e99-efaa-4cef-87ee-705da8b70d9b.png?v=1761844911</image:loc>
      <image:title>Girl flag football players should not be trying to stop the banned-131-years-ago flying wedge play</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://johntreed.com/blogs/john-t-reed-s-news-blog/hegseth-s-incriminating-statements-on-violating-the-law-of-war</loc>
    <lastmod>2025-12-17T14:37:03-08:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/0958/9924/articles/JTR_portrait_8_19_16_6786b4bb-30b5-4ed4-934c-34505a04dbd8.png?v=1766011023</image:loc>
      <image:title>Hegseth’s incriminating statements on violating the law of war</image:title>
    </image:image>
  </url>
</urlset>
