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	<title>ProBudgeting.com</title>
	<link>http://www.probudgeting.com</link>
	<description>Personal finance budgeting and planning</description>
	<pubDate>Sun, 04 Dec 2011 07:48:18 +0000</pubDate>
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		<title>The Next Scam</title>
		<link>http://www.probudgeting.com/190/the-next-scam/</link>
		<comments>http://www.probudgeting.com/190/the-next-scam/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 11:22:59 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>General Finance</category>
		<guid isPermaLink="false">http://www.probudgeting.com/190/the-next-scam/</guid>
		<description><![CDATA[Every few years there is some sort of financial crisis that comes about because of one person&#8217;s ability to fool those who allow their desire for money to cripple their common sense.  This was true in the 1930s with insider trading, during the Savings and Loan scandal, and now, of course, with the Bernie Madoff [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/190/the-next-scam/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Potential Financial Impact of H1N1</title>
		<link>http://www.probudgeting.com/189/potential-financial-impact-of-h1n1/</link>
		<comments>http://www.probudgeting.com/189/potential-financial-impact-of-h1n1/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 02:47:14 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>General Finance</category>
		<guid isPermaLink="false">http://www.probudgeting.com/189/potential-financial-impact-of-h1n1/</guid>
		<description><![CDATA[Any factor that alters “business as usual” is going to have some kind of differentiated impact on various sectors of business world wide, and the H1N1 virus is no exception.  Already, the virus has affected cruise lines due to outbreaks of the virus on board ships.  As the flu season begins to flourish in the [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/189/potential-financial-impact-of-h1n1/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Avoiding Student Loans</title>
		<link>http://www.probudgeting.com/188/avoiding-student-loans/</link>
		<comments>http://www.probudgeting.com/188/avoiding-student-loans/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 08:54:12 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Loans</category>
		<guid isPermaLink="false">http://www.probudgeting.com/188/avoiding-student-loans/</guid>
		<description><![CDATA[College is the new high school but unfortunately it costs money.  It is very difficult to get a decent-paying job without a college education yet at the same time you can graduate with a four-year degree and the equivalent of a house&#8217;s worth of debt to pay back.  What can you do?

There are grants and [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/188/avoiding-student-loans/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Avoiding Scams:  Social Pressure</title>
		<link>http://www.probudgeting.com/187/avoiding-scams-social-pressure/</link>
		<comments>http://www.probudgeting.com/187/avoiding-scams-social-pressure/#comments</comments>
		<pubDate>Tue, 18 Aug 2009 05:03:44 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>General Finance</category>
		<guid isPermaLink="false">http://www.probudgeting.com/187/avoiding-scams-social-pressure/</guid>
		<description><![CDATA[One way that predators succeed in scams is through social pressures.  For example, you have talked with the person about one set of terms but when it comes to the actual signing of papers, the papers reflect a different set of terms.  Or, as you are getting ready to sign the papers, you are being [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/187/avoiding-scams-social-pressure/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Computing on the Cheap</title>
		<link>http://www.probudgeting.com/186/computing-on-the-cheap/</link>
		<comments>http://www.probudgeting.com/186/computing-on-the-cheap/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 12:25:56 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Budgeting</category>
		<guid isPermaLink="false">http://www.probudgeting.com/186/computing-on-the-cheap/</guid>
		<description><![CDATA[Buy a new computer and it seems you are only just beginning to lay out the money necessary for being fully functional.  Along with the machine and its operating system, you need productivity software.  Maybe you need several forms of specialty software to manipulate images and photographs or to write out music.  Of course, you [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/186/computing-on-the-cheap/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Avoiding Scams</title>
		<link>http://www.probudgeting.com/185/avoiding-scams/</link>
		<comments>http://www.probudgeting.com/185/avoiding-scams/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 07:15:41 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>General Finance</category>
		<guid isPermaLink="false">http://www.probudgeting.com/185/avoiding-scams/</guid>
		<description><![CDATA[The rule for avoiding scams is, &#8220;if it sounds too good to be true, it is.&#8221;  Yet, as often as that is said, people still get sucked into scams.  It seems there is a need for more information in order to prevent problems.

It&#8217;s easy to get in over one&#8217;s head financially and to see no [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/185/avoiding-scams/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Automobile Insurance</title>
		<link>http://www.probudgeting.com/184/automobile-insurance/</link>
		<comments>http://www.probudgeting.com/184/automobile-insurance/#comments</comments>
		<pubDate>Mon, 27 Jul 2009 05:12:12 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Insurance</category>
		<guid isPermaLink="false">http://www.probudgeting.com/184/automobile-insurance/</guid>
		<description><![CDATA[When you buy a car and you are paying a loan, you are generally required to carry full coverage insurance:  if the car got totaled, the people to whom you owe money would get their money back.  After the loan is paid off, you frequently have a choice.  You can continue to pay for full [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/184/automobile-insurance/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Finances and Changing Careers</title>
		<link>http://www.probudgeting.com/183/finances-and-changing-careers/</link>
		<comments>http://www.probudgeting.com/183/finances-and-changing-careers/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 13:23:47 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Career</category>
		<guid isPermaLink="false">http://www.probudgeting.com/183/finances-and-changing-careers/</guid>
		<description><![CDATA[A generation ago, whether you were a white collar worker in a corporation of a blue collar worker on an assembly line, once you got your job, you stayed with the company until you retired.  Maybe you moved up the ladder, but you ended up with thirty to forty years of service to one company [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/183/finances-and-changing-careers/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Real Life Budgeting</title>
		<link>http://www.probudgeting.com/182/real-life-budgeting/</link>
		<comments>http://www.probudgeting.com/182/real-life-budgeting/#comments</comments>
		<pubDate>Mon, 13 Jul 2009 09:31:11 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Budgeting</category>
		<guid isPermaLink="false">http://www.probudgeting.com/182/real-life-budgeting/</guid>
		<description><![CDATA[Probably everybody knows that you should have a budget and many people dutifully on December 31st create a budget for the New Year as part of their New Year&#8217;s resolutions.  Yet in many cases the budget is history by January 31st.

For a budget to be successful, it must be realistic.  One way to get started [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/182/real-life-budgeting/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Credit Card Interest</title>
		<link>http://www.probudgeting.com/181/credit-card-interest/</link>
		<comments>http://www.probudgeting.com/181/credit-card-interest/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 12:42:10 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
		
	<category>Credit Card</category>
		<guid isPermaLink="false">http://www.probudgeting.com/181/credit-card-interest/</guid>
		<description><![CDATA[There are legal but financially significant differences between the connotations of what a credit company advertises (low rates:  9.7%) and the actual facts of the matter.  One would think that &#8220;low rates&#8221; means exactly that.  In fact, what it means is &#8220;a smaller amount of usury than some other credit companies.&#8221;  You may recall that [...]]]></description>
		<wfw:commentRSS>http://www.probudgeting.com/181/credit-card-interest/feed/</wfw:commentRSS>
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