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	<title>Money Management Software Blog &#187; credit card</title>
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	<description>Money Management Solutions - The Cash Flow Managing System</description>
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		<title>New Credit Card Rules</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/new-credit-card-rules/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/new-credit-card-rules/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 03:13:02 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Card Act]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=919</guid>
		<description><![CDATA[The new credit card rules that affect your money management planning are supposed to protect you. But do they? No doubt, the days of easy credit are long gone, along with very low introductory rates for extended periods, no annual fees, and high credit limits for just about anyone who wanted a credit card. Let&#8217;s look at what is coming with the new credit card rules Effective February 22, 2010 the Credit Card Act of 2009 (Credit Card Accountability Responsibility and Disclosure Act of 2009) goes into effect. Quite a few of the changes protect the consumer, for example: 1 – Your card company has to notify you at least 45 days in advance of any modification they intend to make in your account, like raising the interest rate you pay, changing certain fees like late fees or annual fees. However, there are situation where they do NOT have to notify [...]]]></description>
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		<slash:comments>12</slash:comments>
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		<item>
		<title>It’s Time To Set Financial Goals For The New Year</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/set-financial-goals-for-the-new-year/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/set-financial-goals-for-the-new-year/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 01:25:49 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employee business]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[new year]]></category>
		<category><![CDATA[profits]]></category>
		<category><![CDATA[retirement savings plan]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=873</guid>
		<description><![CDATA[Many people set new goals for the New Year…losing weight…stopping smoking…cleaning out closets…but what about your financial goals? If you set your financial goals, business and personal, and get to work figuring out how to reach those goals, you can improve your financial condition. Make your goals realistic but make them a bit of a stretch too…after all the point is you need to be able to plan on how you are going to reach the goal. Don’t just pull a number out of thin air and then getting discouraged because there is no way you are going to make it. One way to start your plan is to work backwards, starting with what you want to achieve. Wealth can be measured by your net worth, so that is the place to start. Figure out what your personal net worth is right now by adding up the value of all [...]]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/small-business-money-management/set-financial-goals-for-the-new-year/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
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		<item>
		<title>Your Lifestyle May Hurt Credit Score</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/credit-score/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/credit-score/#comments</comments>
		<pubDate>Mon, 25 Aug 2008 04:12:56 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[BusinessWeek]]></category>
		<category><![CDATA[CompuCredit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Federal Deposit Insurance Corp]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FTC]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/credit-score/</guid>
		<description><![CDATA[Lenders might be monitoring your money management behavior via your credit card spending &#8212; and certain purchases could cost you. By BusinessWeek  Most borrowers know a late payment or high outstanding balance can hurt their credit. But what about frequenting a massage parlor, retreading a tire or visiting a marriage counselor? Such activities count, too, according to a suit filed June 10 by the Federal Trade Commission in Atlanta federal court against card issuer CompuCredit. Lenders, insurers, and other financial firms use credit scoring systems to make a host of decisions about consumers, including the interest rate on their mortgages, the limits on their credit cards and the monthly premiums for their auto coverage. Some rely heavily on FICO, a three-digit score developed by Minneapolis-based financial firm Fair Isaac, while others use proprietary models developed by statisticians. But companies don&#8217;t disclose what&#8217;s baked into their formulas, leaving many borrowers to [...]]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/debt-handling/credit-score/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>10 Mistakes People Make With Their Money</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/10mistakes/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/10mistakes/#comments</comments>
		<pubDate>Tue, 05 Aug 2008 13:01:24 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[cash is king]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Money Management Solutions]]></category>
		<category><![CDATA[profit]]></category>
		<category><![CDATA[savings plan]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/10mistakes/</guid>
		<description><![CDATA[If these actions weren’t so downright dangerous, they might be humorous. Are you making these mistakes with your hard-earned cash? 1. They never figure out how much money they actually need each week to do better than just pay their bills. They don’t have a budget set up. The correct definition of a BUDGET is: the calculation of the amount of money needed for an area [organization or household] to function and achieve its purpose. If you are satisfied to just  pay your bills, and you don’t pay yourself first into some type of savings plan, you will make other people wealthy and you will stay poor. Every supplier you pay is in business to make a profit. You should run your business and your household the same way: like a business that is expected to make a profit. The income target must include a profit or the enterprise will [...]]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/debt-handling/10mistakes/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Debt Relief Solution– Use Dateline Paying</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/get-debt-relief/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/get-debt-relief/#comments</comments>
		<pubDate>Tue, 13 May 2008 15:55:38 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[best practice]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[dateline]]></category>
		<category><![CDATA[dateline paying]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt relief solution]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[past due bills]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/get-debt-relief/</guid>
		<description><![CDATA[Okay, so you are in debt and your creditors are screaming. How do you handle it and get debt relief without having a nervous breakdown? The best practice is to use a simple debt relief solution tool called Dateline Paying.Dateline paying is a simple method of paying oldest bills first, based on the due date. The dateline tells you how far back in time your past due bills go. And yes, credit card debt should be treated just like any other past due bill. There are a few simple steps to this strategy that anyone can do. 1 – Make a list of all your past due bills and credit card debt. Use a report from your accounting program or a spreadsheet of some kind so you can sort them by due date. Be sure and put in a bill for more than the minimum payment for each credit card [...]]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/debt-handling/get-debt-relief/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>BUDGET Is Not A Four Letter Word</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/budget-is-not-a-four-letter-word/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/budget-is-not-a-four-letter-word/#comments</comments>
		<pubDate>Mon, 24 Dec 2007 23:20:28 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[company]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[millionaire]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Ways to use your money]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/budget-is-not-a-four-letter-word/</guid>
		<description><![CDATA[Want some really good News? Running your business on a budget does not entail cutting back on the quality of the things you buy or denying your company anything it needs to operate. What it does mean, is that you have to figure out how to make enough money to afford the items your company has to have and to keep your spending within the limits of your income.]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/small-business-money-management/budget-is-not-a-four-letter-word/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Reduction – A How-To Program</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/debt-reduction-a-how-to-program/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/debt-reduction-a-how-to-program/#comments</comments>
		<pubDate>Mon, 24 Dec 2007 02:57:53 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/debt-reduction-a-how-to-program/</guid>
		<description><![CDATA[Do you need some debt relief? You are not alone. Here are 5 tips on reducing debt that you can do right now.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding the Credit Card Trap</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/understanding-the-credit-card-trap/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/understanding-the-credit-card-trap/#comments</comments>
		<pubDate>Tue, 02 Jan 2007 02:50:57 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Crisis]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=10</guid>
		<description><![CDATA[Buying with a credit card is an alluring trap invented by our modern financial system. Buying something using a credit card is not bad, IF you have the income to pay the credit card balance in full when the statement arrives, plus all your other bills. But buying with a credit card because you don’t actually have the money, is simply committing your future earnings to the credit company under the threat of a bad credit rating. That is financial slavery. Buying with a credit card when you can&#8217;t pay is financial slavery Over the past few years, financial experts have helped a lot of people to get out of the credit card trap with debt reduction programs. Helping people do this is not looked on favorably by the credit companies; they lose all that profitable interest. They take counter measures to hook more people back in by offering 0% [...]]]></description>
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		<slash:comments>0</slash:comments>
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