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			<image:title><![CDATA[finančné chyby]]></image:title>
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			<image:title><![CDATA[3 vety]]></image:title>
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			<image:title><![CDATA[Finančná gramotnosť]]></image:title>
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			<image:title><![CDATA[Podpoistenie]]></image:title>
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			<image:title><![CDATA[finančná gramotnosť - prax]]></image:title>
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			<image:title><![CDATA[Finančná gramotnosť Michal Tóth]]></image:title>
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		<loc>http://www.akademiarozvoja.sk/financny-tip/6-noviniek-v-poskytovani-uverov-od-marca-2015/</loc>
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	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/4-najcastejsie-chyby-pri-rieseni-hypoteky/</loc>
			<lastmod>2015-10-23T13:45:29+00:00</lastmod>
	 
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	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/ako-usetrit-na-vylet-alebo-kolko-stoji-bezny-ucet/</loc>
			<lastmod>2015-10-23T13:45:11+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/Tabu%c4%beka-%c3%ba%c4%8dty.png</image:loc>
			<image:title><![CDATA[Poplatky na účtoch]]></image:title>
			<image:caption><![CDATA[Zdroj: banky, banky.sk, fininfo.sk]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/Untitled-design.png</image:loc>
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		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/P_20150305_103127_1.jpg</image:loc>
			<image:title><![CDATA[Peniaze]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/P_20150305_103823_12.jpg</image:loc>
			<image:title><![CDATA[Jpeg]]></image:title>
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		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/P_20150305_103823_11.jpg</image:loc>
			<image:title><![CDATA[Jpeg]]></image:title>
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		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/P_20150305_103823_1.jpg</image:loc>
			<image:title><![CDATA[Výlet]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/dochodkovy-system-na-slovensku/</loc>
			<lastmod>2015-10-23T13:44:43+00:00</lastmod>
	 
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	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/chcete-platit-mensiu-dan-znizte-si-ju-sami/</loc>
			<lastmod>2015-10-23T13:44:12+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/da%c5%88.jpg</image:loc>
			<image:title><![CDATA[daň]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/5-dovodov-pre-druhy-pilier/</loc>
			<lastmod>2015-10-23T13:43:59+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/Pracuj%c3%baci-vs.-d%c3%b4chodca-od-Bal%c3%a1%c5%bea.jpg</image:loc>
			<image:title><![CDATA[Pracujúci vs. dôchodca od Baláža]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/d%c3%b4chodkov%c3%bd-syst%c3%a9m.jpg</image:loc>
			<image:title><![CDATA[dôchodkový systém]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/da%c5%881.jpg</image:loc>
			<image:title><![CDATA[daň]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/druh%c3%bd-pilier.jpg</image:loc>
			<image:title><![CDATA[druhý pilier]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/hypot%c3%a9ky.jpg</image:loc>
			<image:title><![CDATA[hypotéky]]></image:title>
		</image:image>
		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/03/%c3%baverov.jpg</image:loc>
			<image:title><![CDATA[úverov]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/3-kroky-ako-postupovat-pri-dopravnej-nehode-ktoru-ste-nezapricinili/</loc>
			<lastmod>2015-10-23T13:43:39+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/Japanese_car_accident_blur.jpg</image:loc>
			<image:title><![CDATA[Dopravná nehoda]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/osobny-bankrot/</loc>
			<lastmod>2015-10-23T13:42:15+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/9532-falling-graph-with-a-map-of-the-world-pv.jpg</image:loc>
			<image:title><![CDATA[osobný bankrot]]></image:title>
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	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/4-vyhody-doplnkoveho-dochodkoveho-sporenia/</loc>
			<lastmod>2015-10-23T13:41:26+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/Its_all_about_love.jpg</image:loc>
			<image:title><![CDATA[Doplnkové dôchodkové sporenie]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/kedy-je-najlepsi-cas-na-vybavenie-zivotnej-poistky-pre-dieta/</loc>
			<lastmod>2015-10-23T13:39:57+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/Soapbubbles-SteveEF.jpg</image:loc>
			<image:title><![CDATA[Životné poistenie pre dieťa]]></image:title>
		</image:image>
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	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/preco-ma-30-rocny-clovek-mysliet-na-dochodok/</loc>
			<lastmod>2015-10-23T13:38:53+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/Screen-Shot-2015-07-08-at-15.27.21.png</image:loc>
			<image:title><![CDATA[Sporenie pri zloženom úročení]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/ako-udrzat-mieru-zadlzenia-v-norme/</loc>
			<lastmod>2015-10-23T13:38:14+00:00</lastmod>
	 
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			<image:title><![CDATA[Pôžičky]]></image:title>
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 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/kolko-pilierov-potrebujem-aby-som-mala-slusny-dochodok/</loc>
			<lastmod>2015-10-23T13:37:52+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/Screen-Shot-2015-07-08-at-15.33.57.png</image:loc>
			<image:title><![CDATA[Akropola]]></image:title>
		</image:image>
 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/co-je-dobry-dochodok/</loc>
			<lastmod>2015-10-23T13:37:26+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/7027606047_1fa9fcbf37_o.jpg</image:loc>
			<image:title><![CDATA[Dobrý dôchodok]]></image:title>
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 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/byvanie-v-podnajme-alebo-hypoteka-co-je-vyhodnejsie/</loc>
			<lastmod>2015-10-23T13:36:48+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/home-307672_640.png</image:loc>
			<image:title><![CDATA[Bývanie]]></image:title>
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 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/ako-efektivne-hospodarit/</loc>
			<lastmod>2015-10-23T13:34:44+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/07/cigarettes-621346_1280.jpg</image:loc>
			<image:title><![CDATA[Efektívne hospodárenie]]></image:title>
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 	</url>
	<url>
		<loc>http://www.akademiarozvoja.sk/financny-tip/vyhodnotenie-sutaze-movement-festival-levice/</loc>
			<lastmod>2015-10-23T13:29:48+00:00</lastmod>
	 
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/09/Gratul%c3%a1cia-v%c3%ad%c5%a5azom.png</image:loc>
			<image:title><![CDATA[Gratulácia víťazom]]></image:title>
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		<image:image>
			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/09/DSC_0074.jpg</image:loc>
			<image:title><![CDATA[DSC_0074]]></image:title>
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/09/DSC_0073.jpg</image:loc>
			<image:title><![CDATA[DSC_0073]]></image:title>
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			<image:loc>http://www.akademiarozvoja.sk/wp-content/uploads/2015/09/DSC_0072.jpg</image:loc>
			<image:title><![CDATA[DSC_0072]]></image:title>
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