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	<title>Credit Material &#187; personal finance</title>
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	<link>http://www.creditmaterial.com</link>
	<description>Credit Card Applications, Payday Loans, Home Refinance, Money Market Blog</description>
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			<item>
		<title>Personal Finance According to Video Games</title>
		<link>http://www.creditmaterial.com/2009/10/personal-finance-according-to-video-games/</link>
		<comments>http://www.creditmaterial.com/2009/10/personal-finance-according-to-video-games/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 22:16:36 +0000</pubDate>
		<dc:creator>Joshua Ritchie</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Trends]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=6553</guid>
		<description><![CDATA[Most people either justify video games as "entertainment" or vilify them as "time-wasters." With a few exceptions (the Wii can actually help you become physically fit) they are almost never thought of as a tool for learning useful life skills. And yet even in those games that are not labeled as educational, where the game play consists primarily of blowing your enemy to bits, it is possible to learn some things that are useful in personal finance, often without even realizing it. Plan well, conserve your resources, and form alliances -- these things come up regularly and are just the start of what video games can teach you about personal finance.
<!--more-->]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/personal-finance-according-to-video-games/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The New Face of Banking</title>
		<link>http://www.creditmaterial.com/2009/09/the-new-face-of-banking/</link>
		<comments>http://www.creditmaterial.com/2009/09/the-new-face-of-banking/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 22:47:51 +0000</pubDate>
		<dc:creator>Joshua Ritchie</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[Trends]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=6479</guid>
		<description><![CDATA[The current recession has hit finance harder than any other sector. In the present crisis some banks have gone hat in hand to Congress for bailout money to keep them afloat, while many others have simply vanished. 92 banks have failed in 2009 alone.  To keep this in perspective, consider that not even 10 banks failed in 2007. It's not all bleak though. Amidst all the turmoil, struggling banks have joined forces, and several entirely new banks have opened for business in just the last year. Today we will profile the new banks (and a few mergers) that have opened since the recession began.
<!--more-->]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/the-new-face-of-banking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Bequest?</title>
		<link>http://www.creditmaterial.com/2009/09/what-is-bequest/</link>
		<comments>http://www.creditmaterial.com/2009/09/what-is-bequest/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 18:00:34 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[bequeath]]></category>
		<category><![CDATA[bequest]]></category>
		<category><![CDATA[dispose of large amounts or small amounts of property]]></category>
		<category><![CDATA[extensive bequests]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[Residuary bequest]]></category>
		<category><![CDATA[residuary property]]></category>
		<category><![CDATA[writing of a will]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2657</guid>
		<description><![CDATA[The noun bequest, and the verb, to bequeath, are those terms that are most often associated with the writing of a will. Essentially they refer to the language in your will, by which it is stated that how your physical property, which is usually...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/what-is-bequest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Payday Lender is now able to Offer Larger Loans</title>
		<link>http://www.creditmaterial.com/2009/09/payday-lender-is-now-able-to-offer-larger-loans/</link>
		<comments>http://www.creditmaterial.com/2009/09/payday-lender-is-now-able-to-offer-larger-loans/#comments</comments>
		<pubDate>Sun, 27 Sep 2009 12:22:36 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[BHM Financial Group]]></category>
		<category><![CDATA[car-title loans]]></category>
		<category><![CDATA[flexible repayment terms]]></category>
		<category><![CDATA[loan provider]]></category>
		<category><![CDATA[LOANS NEWS]]></category>
		<category><![CDATA[no credit]]></category>
		<category><![CDATA[payday lenders]]></category>
		<category><![CDATA[Quick Cash Ltd.]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2679</guid>
		<description><![CDATA[BHM Financial Group, which is a privately owned financing company specializing in secured bad credit loans is announcing their new affiliation with Quick Cash Ltd., which is a small consumer loan provider that is located in St John's, NL. Quick Cash Ltd. is now able to offer...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/payday-lender-is-now-able-to-offer-larger-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Banking on the Unbanked</title>
		<link>http://www.creditmaterial.com/2009/09/banking-on-the-unbanked/</link>
		<comments>http://www.creditmaterial.com/2009/09/banking-on-the-unbanked/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 22:07:37 +0000</pubDate>
		<dc:creator>Ana Gonzalez Ribeiro</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[economic downturn]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Trends]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=5236</guid>
		<description><![CDATA[Ever driven through a neighborhood and noticed there is a bank in almost every block corner? It's easy to spot a well developed and financially stable neighborhood by the number of banks it has. But if you take a turn into a neighborhood that's struggling, it's almost impossible to find a bank branch and the only ATM available is in the local bodega that charges a high fee for its use. These are the so-called unbanked or underbanked communities and it's where a new breed of banking is surfacing. These hybrids of banks and check cashiers are popping up in under-developed areas where affordable and convenient banking services are needed to serve low-income earners.<!--more-->]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/banking-on-the-unbanked/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student aid act passes in U.S. House, due for Senate</title>
		<link>http://www.creditmaterial.com/2009/09/student-aid-act-passes-in-u-s-house-due-for-senate/</link>
		<comments>http://www.creditmaterial.com/2009/09/student-aid-act-passes-in-u-s-house-due-for-senate/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 16:03:32 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[college expenses]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[national legislators]]></category>
		<category><![CDATA[Pell grant]]></category>
		<category><![CDATA[Perkins loan]]></category>
		<category><![CDATA[post-secondary minority-serving institutions]]></category>
		<category><![CDATA[SAFRA]]></category>
		<category><![CDATA[Student Aid and Fiscal Responsibility Act]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[United States Students Association]]></category>
		<category><![CDATA[USSA]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2630</guid>
		<description><![CDATA[Across the country,national legislators are being pushed by student governments to pass a bill that should be designed such as to help students attend higher education and cover college expenses.On Sept. 17, Student Aid and Fiscal Responsibility Act (SAFRA) has been passed by the U.S. House of Representatives by a vote of...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/student-aid-act-passes-in-u-s-house-due-for-senate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What do you know about EOB?</title>
		<link>http://www.creditmaterial.com/2009/09/what-do-you-know-about-eob/</link>
		<comments>http://www.creditmaterial.com/2009/09/what-do-you-know-about-eob/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 17:00:01 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[accounting process for medical purposes]]></category>
		<category><![CDATA[comprehensive health benefits statement]]></category>
		<category><![CDATA[deductible associated with the coverage]]></category>
		<category><![CDATA[EOB]]></category>
		<category><![CDATA[healthcare provider]]></category>
		<category><![CDATA[history of all types of medical treatment]]></category>
		<category><![CDATA[insurance provider]]></category>
		<category><![CDATA[medical expenses]]></category>
		<category><![CDATA[medical services]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2428</guid>
		<description><![CDATA[An EOB is a name given to a document that is issued by an insurance provider to a client as an explanation of benefits as they relate to the terms of the insurance coverage. Usually, the insurance explanation of benefits are related with recent treatments that are administered by a physician or healthcare facility. In the EOB  there are details of the treatments that took place, the portion of the cost that is...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/what-do-you-know-about-eob/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student in distress as Student Loans Company fails to deliver Loans on Time</title>
		<link>http://www.creditmaterial.com/2009/09/student-in-distress-as-student-loans-company-fails-to-deliver-loans-on-time/</link>
		<comments>http://www.creditmaterial.com/2009/09/student-in-distress-as-student-loans-company-fails-to-deliver-loans-on-time/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 15:05:42 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[education system]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[loans problems]]></category>
		<category><![CDATA[new college session problems]]></category>
		<category><![CDATA[student debt]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[Student Loans Company]]></category>
		<category><![CDATA[students from Huddersfield]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2491</guid>
		<description><![CDATA[Thousands of students from Huddersfield are facing a worrying start to their new academic life.It is really very tough to go to university for the first time, but it will add more burden if students are uncertain that they will have the finances they need or...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/student-in-distress-as-student-loans-company-fails-to-deliver-loans-on-time/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>50,000 Students Face loan delays</title>
		<link>http://www.creditmaterial.com/2009/09/50000-students-face-loan-delays/</link>
		<comments>http://www.creditmaterial.com/2009/09/50000-students-face-loan-delays/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 15:13:10 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[College Loans]]></category>
		<category><![CDATA[HM Revenue & Customs]]></category>
		<category><![CDATA[Identity & Passport Service]]></category>
		<category><![CDATA[money for books and food]]></category>
		<category><![CDATA[money for rent]]></category>
		<category><![CDATA[SDC]]></category>
		<category><![CDATA[Student Loans Company]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2485</guid>
		<description><![CDATA[The Student Loans Company has admitted that at least 50,000 students are going to start university without grants or loans.It has been said by the company that the sheer pressure on the system meant that many undergraduates that had applied late had...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/50000-students-face-loan-delays/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hawaii auto loan delinquencies up 32%</title>
		<link>http://www.creditmaterial.com/2009/09/hawaii-auto-loan-delinquencies-up-32/</link>
		<comments>http://www.creditmaterial.com/2009/09/hawaii-auto-loan-delinquencies-up-32/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 13:50:56 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[30-day auto loan delinquencies]]></category>
		<category><![CDATA[at-risk loans]]></category>
		<category><![CDATA[auto loan delinquencies]]></category>
		<category><![CDATA[auto loans]]></category>
		<category><![CDATA[latest loans news]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2398</guid>
		<description><![CDATA[According to figures released on Wednesday by Experian Automotive, due to the recession in the second quarter of 2009, Hawaii’s 30-day auto loan delinquencies jumped...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/hawaii-auto-loan-delinquencies-up-32/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Credit Check, No Cosigner required for Private Student Loans</title>
		<link>http://www.creditmaterial.com/2009/09/no-credit-check-no-cosigner-required-for-private-student-loans/</link>
		<comments>http://www.creditmaterial.com/2009/09/no-credit-check-no-cosigner-required-for-private-student-loans/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 15:03:54 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[accommodating]]></category>
		<category><![CDATA[examination fee]]></category>
		<category><![CDATA[feasible monthly installment]]></category>
		<category><![CDATA[financial assistance]]></category>
		<category><![CDATA[financial obligation]]></category>
		<category><![CDATA[No Cosigner student loan]]></category>
		<category><![CDATA[No Credit Check]]></category>
		<category><![CDATA[private student loans]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[traveling expenses]]></category>
		<category><![CDATA[tuition fee]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2310</guid>
		<description><![CDATA[Are you willing to get more education and money is a hurdle in your way. Not to worry from now; as now there is a viable solution to your problem i.e. no credit check student loan. By this loan the students are provided an opportunity with no credit check to study further without facing any financial obligation. Therefore, we can say that student loans act as...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/no-credit-check-no-cosigner-required-for-private-student-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What do you understand by the Term IRA?</title>
		<link>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-ira/</link>
		<comments>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-ira/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 10:46:08 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[certified financial planner]]></category>
		<category><![CDATA[Individual Retirement Account]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth IRAs]]></category>
		<category><![CDATA[standard income taxes]]></category>
		<category><![CDATA[tax liability]]></category>
		<category><![CDATA[Traditional IRAs]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2294</guid>
		<description><![CDATA[An IRA is an abbreviation for Individual Retirement Account, and it provides individuals either a tax-deferred or tax-free way of saving for retirement. Within the world of IRAs, there are many different types of accounts, it depends on the fact that what type of financial goals and situations each individual posses, though the most common choices are...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-ira/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What do you understand by the Term FICA?</title>
		<link>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-fica/</link>
		<comments>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-fica/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 16:32:59 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[disability insurance]]></category>
		<category><![CDATA[Federal Insurance Contributions Act]]></category>
		<category><![CDATA[FICA]]></category>
		<category><![CDATA[funds]]></category>
		<category><![CDATA[Social Security Act of 1935]]></category>
		<category><![CDATA[Social Security benefits]]></category>
		<category><![CDATA[Social Security Trust Fund]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2265</guid>
		<description><![CDATA[FICA is the abbreviation for the Federal Insurance Contributions Act. By this act it is mandated that an employer withhold a set percentage of an employee’s salary each pay period. It is also required by the FICA that the employer have to...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/what-do-you-understand-by-the-term-fica/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bills Offer Incentives to Nudge Med Students into Primary Care</title>
		<link>http://www.creditmaterial.com/2009/09/bills-offer-incentives-to-nudge-med-students-into-primary-care/</link>
		<comments>http://www.creditmaterial.com/2009/09/bills-offer-incentives-to-nudge-med-students-into-primary-care/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 13:41:59 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[College Loans]]></category>
		<category><![CDATA[family medicine and geriatrics]]></category>
		<category><![CDATA[health-care bills]]></category>
		<category><![CDATA[incentives to encourage medical students towards primary care]]></category>
		<category><![CDATA[internal medicine]]></category>
		<category><![CDATA[loans for medical students]]></category>
		<category><![CDATA[loans for young physicians]]></category>
		<category><![CDATA[loans incentives]]></category>
		<category><![CDATA[medical recruiting]]></category>
		<category><![CDATA[medical students]]></category>
		<category><![CDATA[pediatrics]]></category>
		<category><![CDATA[specialty careers]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[students]]></category>
		<category><![CDATA[students loan bills]]></category>
		<category><![CDATA[students loans]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2249</guid>
		<description><![CDATA[A question arises in the minds of medical students that, will there be anything in the health-care bill for encouraging young physicians to go into primary care? There are incentives in all health-care bills under consideration in the U.S. House of Representatives and Senate to encourage more and more medical students to go into...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/bills-offer-incentives-to-nudge-med-students-into-primary-care/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don’t Let Emergencies Put You in Debt</title>
		<link>http://www.creditmaterial.com/2009/09/don%e2%80%99t-let-emergencies-put-you-in-debt/</link>
		<comments>http://www.creditmaterial.com/2009/09/don%e2%80%99t-let-emergencies-put-you-in-debt/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 11:12:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Borrow]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[cost]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[emergency]]></category>
		<category><![CDATA[financial need]]></category>
		<category><![CDATA[layoff]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[pay]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[savings account]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/06/dont-let-emergencies-put-you-in-debt/</guid>
		<description><![CDATA[Life is very unpredictable. You never know what might happen the very next day. There are always some surprises waiting for you, and some of these surprises can cost you money as well.]]></description>
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