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	<title>Credit Material</title>
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	<link>http://www.creditmaterial.com</link>
	<description>Credit Card Applications, Payday Loans, Home Refinance, Money Market Blog</description>
	<lastBuildDate>Wed, 21 Oct 2009 21:24:04 +0000</lastBuildDate>
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		<title>The Incredible Shrinking Mortgage Market</title>
		<link>http://www.creditmaterial.com/2009/10/the-incredible-shrinking-mortgage-market/</link>
		<comments>http://www.creditmaterial.com/2009/10/the-incredible-shrinking-mortgage-market/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 04:01:58 +0000</pubDate>
		<dc:creator>Joshua Ritchie</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=6638</guid>
		<description><![CDATA[Making money in real-estate is all about timing. Despite the fact that many people lost not only their shirts but their homes in the mortgage meltdown, real-estate has historically been considered a safe investment. But if current trends continue, there may be more bust than boom. In fact, we may never see a mortgage market as booming as it was during during the early 2000's. In addition to the flood of new homeowners, the housing boom saw an unprecedented number of speculators acquiring multiple properties, hoping to capitalize on ever-increasing housing prices. The combined effect of all this activity was a mortgage market of tremendous size - roughly $10 trillion in residential mortgages by late 2007, which equates to nearly a quarter of the total debt market in the US. But every boom eventually busts, and since '07 the mortgage market has shrunk into a shell of its former self.
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Cards and Thrift</title>
		<link>http://www.creditmaterial.com/2009/10/credit-cards-and-thrift/</link>
		<comments>http://www.creditmaterial.com/2009/10/credit-cards-and-thrift/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 00:00:48 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.askmrcreditcard.com/creditcardblog/?p=8941</guid>
		<description><![CDATA[The easiest way to save money has always been to...

[[ This is a content summary only. Visit my website for full links, other content, and more! ]]]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/credit-cards-and-thrift/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Tax Rate?</title>
		<link>http://www.creditmaterial.com/2009/10/what-is-tax-rate/</link>
		<comments>http://www.creditmaterial.com/2009/10/what-is-tax-rate/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 21:00:51 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[flat tax system]]></category>
		<category><![CDATA[gross earnings]]></category>
		<category><![CDATA[higher tax bracket]]></category>
		<category><![CDATA[lower bracket]]></category>
		<category><![CDATA[progressive system]]></category>
		<category><![CDATA[tax loopholes]]></category>
		<category><![CDATA[tax rate]]></category>
		<category><![CDATA[taxable income]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2793</guid>
		<description><![CDATA[A tax rate is known as the percentage of your taxable income, which in a progressive system like that is used in the United States, may increase or decrease as the taxable income increases or decreases. Under this system, tax rate is based on the amount that is made by you, which is...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/what-is-tax-rate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who are Adjusters?</title>
		<link>http://www.creditmaterial.com/2009/10/who-are-adjusters/</link>
		<comments>http://www.creditmaterial.com/2009/10/who-are-adjusters/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 20:00:59 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[accurate reimbursement total]]></category>
		<category><![CDATA[adjusters]]></category>
		<category><![CDATA[building costs]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[car repair costs]]></category>
		<category><![CDATA[financial institutions]]></category>
		<category><![CDATA[government agency]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[Insurance companies]]></category>
		<category><![CDATA[legal schooling]]></category>
		<category><![CDATA[monetary value]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2702</guid>
		<description><![CDATA[Those individuals that are hired by insurance companies, banks, or other financial institutions in order to assess damage and to determine the proper reimbursement to be made to the claimant are referred to as adjusters. Typically, in order to come up with fair settlement for both the person filing the claim and...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FICO Scores and Bad Credit Car Loans</title>
		<link>http://www.creditmaterial.com/2009/10/fico-scores-and-bad-credit-car-loans/</link>
		<comments>http://www.creditmaterial.com/2009/10/fico-scores-and-bad-credit-car-loans/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 18:23:36 +0000</pubDate>
		<dc:creator>Credit Tips - Articles - Zimbio</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">63BxGYTnx5G</guid>
		<description><![CDATA[All consumers but especially those with bad credit probably wonder just how FICO determines their credit score.
We know what you’re going through
At Auto Credit Express, we’ve been helping bad credit car buyers for nearly twenty years reestablish their car credit by financing a new or recent pre-owned vehicle with a bad credit car loan. During [...]]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/fico-scores-and-bad-credit-car-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation in Michigan</title>
		<link>http://www.creditmaterial.com/2009/10/debt-consolidation-in-michigan/</link>
		<comments>http://www.creditmaterial.com/2009/10/debt-consolidation-in-michigan/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 14:00:27 +0000</pubDate>
		<dc:creator>Farah</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Debt Consolidation in USA]]></category>
		<category><![CDATA[Michigan debt consolidation]]></category>
		<category><![CDATA[Michigan debt consolidation companies]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=3014</guid>
		<description><![CDATA[Michigan debt consolidation helps you to repay debts as well as pay day loans. A consolidation loan is given so that you can quickly repay debts. There are also counseling on avoiding certain mistakes that could harm your credit usage.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/debt-consolidation-in-michigan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interview with Jen Rotman from collegescholarships.org</title>
		<link>http://www.creditmaterial.com/2009/10/interview-with-jen-rotman-from-collegescholarships-org/</link>
		<comments>http://www.creditmaterial.com/2009/10/interview-with-jen-rotman-from-collegescholarships-org/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 13:50:56 +0000</pubDate>
		<dc:creator>Mr Credit Card</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Radio Shows & Interviews]]></category>

		<guid isPermaLink="false">http://www.askmrcreditcard.com/creditcardblog/?p=8934</guid>
		<description><![CDATA[Yesterday, I had the pleasure of interviewing Jen...

[[ This is a content summary only. Visit my website for full links, other content, and more! ]]]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/interview-with-jen-rotman-from-collegescholarships-org/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What do you know about Coin Bank?</title>
		<link>http://www.creditmaterial.com/2009/10/what-do-you-know-about-coin-bank/</link>
		<comments>http://www.creditmaterial.com/2009/10/what-do-you-know-about-coin-bank/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 13:00:21 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[battery-operated LED readout]]></category>
		<category><![CDATA[coin bank]]></category>
		<category><![CDATA[Currency]]></category>
		<category><![CDATA[miniature slot machine]]></category>
		<category><![CDATA[piggy bank]]></category>
		<category><![CDATA[pragmatic coin banks]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=3163</guid>
		<description><![CDATA[A coin bank is simply a name given to a decorative container in which you may deposit loose change. There are a number of designs to choose from, and it is of several different kinds. The most basic coin bank has a removable lid; it looks much like a smaller version of a cookie jar. It might be made of ceramic and it is...]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/what-do-you-know-about-coin-bank/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sister Act</title>
		<link>http://www.creditmaterial.com/2009/10/sister-act/</link>
		<comments>http://www.creditmaterial.com/2009/10/sister-act/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 00:00:25 +0000</pubDate>
		<dc:creator>Jason Steele</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.askmrcreditcard.com/creditcardblog/?p=8931</guid>
		<description><![CDATA[I had the most bizarre telephone call to a credit...

[[ This is a content summary only. Visit my website for full links, other content, and more! ]]]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/sister-act/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Financial Reform Avoid Another Economic Meltdown?</title>
		<link>http://www.creditmaterial.com/2009/10/will-financial-reform-avoid-another-economic-meltdown/</link>
		<comments>http://www.creditmaterial.com/2009/10/will-financial-reform-avoid-another-economic-meltdown/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 22:23:27 +0000</pubDate>
		<dc:creator>Steve Barth</dc:creator>
				<category><![CDATA[Credit]]></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=6639</guid>
		<description><![CDATA[Smart Americans have two main questions about the financial industry reforms President Obama promised last Friday: First, will a new Consumer Financial Protection Agency (CFPA) prevent abuse of credit, savings and investment customers? But second, will any proposed regulatory reforms and oversight bodies prevent irresponsible behavior in the financial industry from wrecking the economy again? 
<!--more-->]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/will-financial-reform-avoid-another-economic-meltdown/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Alabama Debt Consolidation</title>
		<link>http://www.creditmaterial.com/2009/10/alabama-debt-consolidation/</link>
		<comments>http://www.creditmaterial.com/2009/10/alabama-debt-consolidation/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 15:33:00 +0000</pubDate>
		<dc:creator>Farah</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Alabama debt]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[debt consolidation alabama]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2685</guid>
		<description><![CDATA[Alabama debt consolidation loan and Free debt counseling helps you in getting your finance back on track. Being in debts does not mean ultimate bankruptcy. Always look for these options and try them out affectively.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/alabama-debt-consolidation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>JPMorgan Earns Profit of $3.6B, but Loan Losses remain High</title>
		<link>http://www.creditmaterial.com/2009/10/jpmorgan-earns-profit-of-3-6b-but-loan-losses-remain-high/</link>
		<comments>http://www.creditmaterial.com/2009/10/jpmorgan-earns-profit-of-3-6b-but-loan-losses-remain-high/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 13:29:15 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[credit card losses]]></category>
		<category><![CDATA[future home loan defaults]]></category>
		<category><![CDATA[home and credit card loans]]></category>
		<category><![CDATA[home equity loans]]></category>
		<category><![CDATA[Investment bank net income]]></category>
		<category><![CDATA[JPMorgan]]></category>
		<category><![CDATA[JPMorgan Chase & Co]]></category>
		<category><![CDATA[JPMorgan's earnings statement]]></category>
		<category><![CDATA[Loan losses continues to rise]]></category>
		<category><![CDATA[nation's largest bank]]></category>
		<category><![CDATA[rising loan losses]]></category>
		<category><![CDATA[strongest financial companies]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=3188</guid>
		<description><![CDATA[On Wednesday JPMorgan Chase &#38; Co. reported strong third-quarter earnings as its thriving investment banking business more than offset the rising loan losses about which the bank has warned that the bank that would continue for the foreseeable future. JPMorgan, has reported a $3.59 billion profit but it has also...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is Profit Margin?</title>
		<link>http://www.creditmaterial.com/2009/10/what-is-profit-margin/</link>
		<comments>http://www.creditmaterial.com/2009/10/what-is-profit-margin/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 13:07:28 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[company]]></category>
		<category><![CDATA[cost to produce]]></category>
		<category><![CDATA[current financial status]]></category>
		<category><![CDATA[inclusion of labor costs]]></category>
		<category><![CDATA[Profit margin]]></category>
		<category><![CDATA[profit margin ratio]]></category>
		<category><![CDATA[sales generated]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=3066</guid>
		<description><![CDATA[Profit margin is also referred to as the margin of profit, in simple words a profit margin is the difference between sales generated and the cost to produce each of the units sold. Depending on the nature of the data that is under consideration, sometimes the ratio is defined as a gross profit margin or a net profit margin. Businesses of all types pay close attention to profit margins, since...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 5 Debt Consolidation Companies in Montana</title>
		<link>http://www.creditmaterial.com/2009/10/top-5-debt-consolidation-companies-in-montana/</link>
		<comments>http://www.creditmaterial.com/2009/10/top-5-debt-consolidation-companies-in-montana/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 12:31:00 +0000</pubDate>
		<dc:creator>Farah</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Bay View Law Group]]></category>
		<category><![CDATA[ccckmfc]]></category>
		<category><![CDATA[cckmf]]></category>
		<category><![CDATA[community first debt selttlement]]></category>
		<category><![CDATA[community first holdings]]></category>
		<category><![CDATA[Credit counseling]]></category>
		<category><![CDATA[debt consolidation companies montana]]></category>
		<category><![CDATA[debt consolidation Montana]]></category>
		<category><![CDATA[debt relief solutions]]></category>
		<category><![CDATA[fedsco]]></category>
		<category><![CDATA[International Association of Professional Debt Arbitrators]]></category>
		<category><![CDATA[K M Financial Consultants]]></category>
		<category><![CDATA[Montana]]></category>
		<category><![CDATA[professional debt consultants]]></category>
		<category><![CDATA[top debt consolidation companies]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2836</guid>
		<description><![CDATA[The top 5 debt consoliation companies in Monatana, have been helping citizens there immensely to recover all their debts and have financial freedom.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/10/top-5-debt-consolidation-companies-in-montana/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is By-Bidder?</title>
		<link>http://www.creditmaterial.com/2009/10/what-is-by-bidder/</link>
		<comments>http://www.creditmaterial.com/2009/10/what-is-by-bidder/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 12:07:31 +0000</pubDate>
		<dc:creator>anney</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[auction]]></category>
		<category><![CDATA[auction houses]]></category>
		<category><![CDATA[Auctions]]></category>
		<category><![CDATA[bidding privileges]]></category>
		<category><![CDATA[bidding strategy]]></category>
		<category><![CDATA[by-bidder]]></category>
		<category><![CDATA[legal action]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/?p=2708</guid>
		<description><![CDATA[The by-bidder is known as an example of a bidding strategy that many people consider to be unethical, and in a number of locations around the world it is actually illegal. Essentially, a by-bidder is an agent by whom a bid is chosen in an auction with the express purpose of raising the price of the bids that are placed on a particular item. This activity results in...]]></description>
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		<slash:comments>0</slash:comments>
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