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	<title>Personal Finance 101</title>
	<link>http://www.personal-finance101.com</link>
	<description>Increasing Your Wealth, One Day at a Time.</description>
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		<title>Australia: How to Get the Government to Pay for Your Retirement</title>
		<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>
		<link>http://www.personal-finance101.com/2011/12/14/australia-how-to-get-the-government-to-pay-for-your-retirement/</link>
			</item>
	<item>
		<title>How to Get Free Wine in Australia</title>
		<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>
		<link>http://www.personal-finance101.com/2011/12/04/how-to-get-free-wine-in-australia/</link>
			</item>
	<item>
		<title>Deep in Debt?</title>
		<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>
		<link>http://www.personal-finance101.com/2011/10/05/deep-in-debt/</link>
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		<title>Getting a Credit Card: What to Look Out For?</title>
		<description><![CDATA[My father used to tell me that credit card debt is the single most potent killer of any financial success you can ever dream of having. With interest rates in the region of 18~24% on outstanding balances, its no surprise why banks make it so easy for you get a card that is beyond what [...]]]></description>
		<link>http://www.personal-finance101.com/2011/09/28/getting-a-credit-card-what-to-look-out-for/</link>
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		<title>Best Savings Account in Australia</title>
		<description><![CDATA[Being new in Australia, I opened up an account with a local bank at the advise of my company. However, after being in this country  for some time now, I realised that many other banks are offering better interest rates than my bank. At the time of writing, these are some of the banks and [...]]]></description>
		<link>http://www.personal-finance101.com/2011/09/21/best-savings-account-in-australia/</link>
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		<title>How Do I Get a Free Credit Check in Australia?</title>
		<description><![CDATA[If you&#8217;re living in Australia, you would have known by now that banks and other institutions might do a credit check on you before they decide to offer you their services. Also, if you intend to buy a car or a house, having a good credit report allows the financial institution to lend you money [...]]]></description>
		<link>http://www.personal-finance101.com/2011/09/15/how-do-i-get-a-free-credit-check-in-australia/</link>
			</item>
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		<title>How to Find the Cheapest Books and DVD&#8217;s in Australia</title>
		<description><![CDATA[If you have ever tried finding the best prices for books and DVD&#8217;s in Australia, then you&#8217;ll be glad to know of BookO. BookO is not a retail site. All it does is calculate the cost of buying books and DVD&#8217;s from the cheapest source, even if the source is Amazon.com. And it also calculates [...]]]></description>
		<link>http://www.personal-finance101.com/2011/05/13/how-to-find-the-cheapest-books-and-dvds-in-australia/</link>
			</item>
	<item>
		<title>Risky but Ambitious Method of Owning 3 Houses within 10 Years</title>
		<description><![CDATA[Here&#8217;s a risky but ambitious way of owning 3 houses within 10 years. Use this method with great care. Assuming you want to buy a house worth $400,000. Assuming further that the downpayment is 10% plus additional cost, so you cough up $50,000. Once you buy this house in a location where the property value [...]]]></description>
		<link>http://www.personal-finance101.com/2011/05/12/risky-but-ambitious-method-of-owning-3-houses-within-10-years/</link>
			</item>
	<item>
		<title>Salary Packaging</title>
		<description><![CDATA[Check and see if your country allows salary packaging. I know Australia allows for it while Malaysia doesnt. Salary packaging is buying or leasing an asset with pre-tax dollars. That is when your salary arrives at the end of the money, you can use it to buy certain things or make certain payments before the [...]]]></description>
		<link>http://www.personal-finance101.com/2011/05/04/salary-packaging/</link>
			</item>
	<item>
		<title>Time Management</title>
		<description><![CDATA[This is another of Randy Pausch&#8217;s talk on time management. Every second counts when you know you&#8217;re dying&#8230; If the one-hour video is too long for you, or if you prefer to read what he wrote, check out his book, The Last Lecture]]></description>
		<link>http://www.personal-finance101.com/2011/04/30/time-management-2/</link>
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