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	<title>Personal Finance 101</title>
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	<link>http://www.personal-finance101.com</link>
	<description>Increasing Your Wealth, One Day at a Time.</description>
	<lastBuildDate>Sat, 12 May 2012 16:01:20 +0000</lastBuildDate>
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		<title>True Cost of Owning a Car</title>
		<link>http://www.personal-finance101.com/2012/05/13/true-cost-of-owning-a-car/</link>
		<comments>http://www.personal-finance101.com/2012/05/13/true-cost-of-owning-a-car/#comments</comments>
		<pubDate>Sat, 12 May 2012 16:01:20 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=241</guid>
		<description><![CDATA[When buying a car, just remember that while its an investment, its a depreciating investment (unlike buying a house which appreciates in value). So when comparing cars, remember that the true cost of owning a car is broken down to DEPRECIATION COST and OPERATING COST. All cars depreciate. Typically around 5~10% a year, depending on [...]]]></description>
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		<title>Should I Use My Savings for Home Renovation or Take Out a Loan?</title>
		<link>http://www.personal-finance101.com/2012/05/09/should-i-use-my-savings-for-home-renovation-or-take-out-a-loan/</link>
		<comments>http://www.personal-finance101.com/2012/05/09/should-i-use-my-savings-for-home-renovation-or-take-out-a-loan/#comments</comments>
		<pubDate>Tue, 08 May 2012 16:01:02 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Home Renovation]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[home renovation]]></category>
		<category><![CDATA[personal loan]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=277</guid>
		<description><![CDATA[Here&#8217;s a simple scenario &#8211; your bathroom sprung a leak and you will need to replace most of the plumbing and flooring. Should you use a part or all of your savings or get a loan? Let&#8217;s assume you&#8217;ve got around $50 thousand in savings and the total renovation cost is also $50 thousand. What [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are 0% Credit Cards Worth It?</title>
		<link>http://www.personal-finance101.com/2012/05/06/are-0-credit-cards-worth-it/</link>
		<comments>http://www.personal-finance101.com/2012/05/06/are-0-credit-cards-worth-it/#comments</comments>
		<pubDate>Sat, 05 May 2012 16:01:41 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[0% interest]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[introductory period]]></category>
		<category><![CDATA[introductory rate]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=238</guid>
		<description><![CDATA[Banks are always finding ways to increase their revenue. And guess what? Their new trick is providing consumers with 0% introductory rates to new credit card customers. While I do vouch for 0% interest cards for those of us who are carrying large balances on our other cards and want some breathing space to reorganize [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Please Help Me Get Out of My Credit Card Debt!</title>
		<link>http://www.personal-finance101.com/2012/04/29/please-help-me-get-out-of-my-credit-card-debt/</link>
		<comments>http://www.personal-finance101.com/2012/04/29/please-help-me-get-out-of-my-credit-card-debt/#comments</comments>
		<pubDate>Sat, 28 Apr 2012 16:01:58 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[getting out of debt]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=232</guid>
		<description><![CDATA[Credit card debt is one of societies silent killers. The interest on the card is like a rope around your neck. You know its there and you think you can live with it but slowly, and softly, its tightening around your neck. So here&#8217;s some advice to come out of debt: 1. STOP charging to [...]]]></description>
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		<title>Should I Save Some Emergency Money Or Use It All To Pay Off My Credit Card Debt?</title>
		<link>http://www.personal-finance101.com/2012/04/25/should-i-save-some-emergency-money-or-use-it-all-to-pay-off-my-credit-card-debt/</link>
		<comments>http://www.personal-finance101.com/2012/04/25/should-i-save-some-emergency-money-or-use-it-all-to-pay-off-my-credit-card-debt/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 06:27:25 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[emergency money]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=273</guid>
		<description><![CDATA[There is always two sides to this debate What if I pour every single cent into paying off my credit card debt and then face an emergency &#8211; where do I get money from then? This is a good point. And my view of this is to always have some money available, maybe a thousand [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Take Care of Your Credit/Debit Card</title>
		<link>http://www.personal-finance101.com/2012/04/22/how-to-take-care-of-your-creditdebit-card/</link>
		<comments>http://www.personal-finance101.com/2012/04/22/how-to-take-care-of-your-creditdebit-card/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 04:45:11 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[financial success]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card fraud]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=229</guid>
		<description><![CDATA[These days, credit or debit card thefts are becoming quite common. Here are some ways to be more vigilant. 1. Check your credit card statement online every week. These days everyone has online access to their bank account. So check your online credit and savings account (for debit card) transactions weekly ad make sure they [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving More for Retirement at a Lower Tax Rate</title>
		<link>http://www.personal-finance101.com/2012/03/14/saving-more-for-retirement-at-a-lower-tax-rate/</link>
		<comments>http://www.personal-finance101.com/2012/03/14/saving-more-for-retirement-at-a-lower-tax-rate/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 16:00:09 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=218</guid>
		<description><![CDATA[In Australia, if you earn more than $31,920, you&#8217;re not eligible for any government matching fund for extra contribution into your superannuation fund. However, if you have extra money, you could put it towards your retirement fund, up to $25,000 per year. Any extra money put into superannuation fund is taxed at 15% and not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Australia: How to Get the Government to Pay for Your Retirement</title>
		<link>http://www.personal-finance101.com/2011/12/14/australia-how-to-get-the-government-to-pay-for-your-retirement/</link>
		<comments>http://www.personal-finance101.com/2011/12/14/australia-how-to-get-the-government-to-pay-for-your-retirement/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 16:00:38 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[investment]]></category>
		<category><![CDATA[government matching funds]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[salary sacrificing]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[superannuation]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=216</guid>
		<description><![CDATA[This only applies to Australia and I only found this out after talking to a wise man at Swan River. Thank you Robert. In Australia, if you earn less than AUD$31,920, any extra money you contribute per year (up to a max of AUD$1,000) to your superannuation fund, the Australian government will match it dollar [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Get Free Wine in Australia</title>
		<link>http://www.personal-finance101.com/2011/12/04/how-to-get-free-wine-in-australia/</link>
		<comments>http://www.personal-finance101.com/2011/12/04/how-to-get-free-wine-in-australia/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 11:22:53 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[affiliate]]></category>
		<category><![CDATA[wine]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=200</guid>
		<description><![CDATA[If you&#8217;re a wine lover, then you might have heard of Wine Selectors. Wine Selectors is a reputable company that offers medium and high quality wine sent right to your doorstep. If you&#8217;re a keen drinker, signing up for their Refer a Friend club allows you to get any of their gifts below if any of [...]]]></description>
		<wfw:commentRss>http://www.personal-finance101.com/2011/12/04/how-to-get-free-wine-in-australia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Deep in Debt?</title>
		<link>http://www.personal-finance101.com/2011/10/05/deep-in-debt/</link>
		<comments>http://www.personal-finance101.com/2011/10/05/deep-in-debt/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 16:01:05 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[getting out of debt]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=192</guid>
		<description><![CDATA[Deep in debt? It&#8217;s so easy to ignore the situation and hope it will go away. You might think that you&#8217;ll skip a payment here and there and get through it. But this is very risky. Start by acknowledging that you have a serious debt problem. Then list out all your debts. Prioritise by interest [...]]]></description>
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		<slash:comments>0</slash:comments>
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