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	<title>Finances 101</title>
	<link>http://finances101.net</link>
	<description>Finance and Loans advisor</description>
	<lastBuildDate>Tue, 23 Feb 2010 17:02:24 +0000</lastBuildDate>
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		<title>Arrests for identity theft double in 2009 thanks to victims fast actions</title>
		<description>One of the more time-consuming things a consumer may have to deal with is identity theft, which can not only hurt a credit score but also require hours to fix.

However, a recent report from Javelin Strategy & Research shows that dealing with identity theft did get a little easier last ...</description>
		<link>http://finances101.net/2010/02/arrests-for-identity-theft-double-in-2009-thanks-to-victims-fast-actions/</link>
			</item>
	<item>
		<title>Bad Credit Loans</title>
		<description>Loans have become inevitable, to fulfill our small and big dreams. But at times, when you require a loan, the lender may reject your loan application because of various types of credit reporting problems. Bad credit loans can help you solve this problem. Banks, credit unions and finance companies are ...</description>
		<link>http://finances101.net/2010/02/bad-credit-loans/</link>
			</item>
	<item>
		<title>A payday loan [Canada]</title>
		<description>What is a payday loan?
A payday loan is a minor, short-term loan that helps bridge Canadians' financial gaps between paydays. This allows Canadians to cover many costs that would cause financial distress if not covered. Payday loans range from $100 to over $1000. They have small fees attached to them ...</description>
		<link>http://finances101.net/2010/02/a-payday-loan-canada/</link>
			</item>
	<item>
		<title>Why are 401(k) plans so popular?</title>
		<description>401(k) plans are popular with employers because they are less expensive than other types of retirement plans. Contributions constitute the biggest expense for an employer. But in the case of a 401(k) plan, the bulk of the contribution is typically made by the employee -- through salary reductions. The employee ...</description>
		<link>http://finances101.net/2009/07/why-are-401k-plans-so-popular/</link>
			</item>
	<item>
		<title>Smart Ways to Use Your Credit Card</title>
		<description>Do you cringe when you open your credit-card bill? Get debt under control with these ten expert tips.

Check out your wallet. Tucked among the pictures of your kids, the grocery-store lists, and the crumpled receipts, there are probably more than a few pieces of plastic. In fact, the average household ...</description>
		<link>http://finances101.net/2009/07/smart-ways-to-use-your-credit-card/</link>
			</item>
	<item>
		<title>A 5 Step Debt Cure</title>
		<description>Who out there needs a financial adviser? There are thousands of financial crisis tips and secrets out there to scare away anyone just trying to find a basic debt cure. Especially in a financial crisis, finding a debt cure along with having the right insurance protection will assure anyone long-term ...</description>
		<link>http://finances101.net/2009/07/a-5-step-debt-cure/</link>
			</item>
	<item>
		<title>Investing in mutual funds</title>
		<description>1. What exactly is a mutual fund?

A mutual fund pools money from hundreds and thousands of investors to construct a portfolio of stocks, bonds, real estate, or other securities, according to its charter. Each investor in the fund gets a slice of the total pie.

2. Mutual funds make it easy ...</description>
		<link>http://finances101.net/2009/07/investing-in-mutual-funds/</link>
			</item>
	<item>
		<title>Student loans in the United States</title>
		<description>While included in the term "financial aid" higher education loans differ from scholarships and grants in that they must be paid back. They come in several varieties in the United States:

	Federal student loans made to students directly: No payments while enrolled in at least half time status. If a student ...</description>
		<link>http://finances101.net/2009/07/student-loans-in-the-united-states/</link>
			</item>
	<item>
		<title>Unsecured Loan</title>
		<description>Unsecured loans are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:

	credit card debt
	 personal loans
	 bank overdrafts
	 credit facilities or lines of credit
	 corporate bonds

The interest rates applicable to these different forms may vary ...</description>
		<link>http://finances101.net/2009/07/unsecured-loan/</link>
			</item>
	<item>
		<title>Loan</title>
		<description>A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay ...</description>
		<link>http://finances101.net/2009/07/loan/</link>
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