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    <title>Knowledge from e-wisdom.com</title>
      <link>http://www.e-wisdom.com/articles/</link>
      <description>Knowledge for the smart consumer. Personal finance, insurance and communications wisdom and advice.</description>
      <pubDate>Fri, 06 Nov 2009 09:58:43 PST</pubDate>
      <language>en-us</language>
      <item>
        <title>Don&#39;t gamble with your identity</title>
        <link>http://www.e-wisdom.com/articles/credit-monitoring/dont-gamble-with-your-identity.html</link>
        <category>Credit Monitoring</category>
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&lt;a href=&quot;/articles/credit-monitoring/dont-gamble-with-your-identity.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/identity-gamble-100-66.jpg&quot; alt=&quot;Don&amp;#39;t gamble with your identity&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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There are many crimes that target people and their finances, but one of the most insidious, and one of the most dangerous, is that of identity theft.&amp;nbsp;Don&#39;t gamble with your identity - keep it safe with these tips.</description>
        <pubDate>Fri, 06 Nov 2009 09:58:36 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/credit-monitoring/dont-gamble-with-your-identity.html</guid>
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        <title>Tips on how to change car insurance companies</title>
        <link>http://www.e-wisdom.com/articles/auto-insurance/tips-on-how-to-change-companies.html</link>
        <category>Auto Insurance</category>
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&lt;a href=&quot;/articles/auto-insurance/tips-on-how-to-change-companies.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/car-ins1-100-66.jpg&quot; alt=&quot;Tips on how to change car insurance companies&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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It is only natural for people to go after the better deal - especially if it involves their car insurance. If you will be a little patient going through the process, you can find the better coverage with the cheapest rates.</description>
        <pubDate>Mon, 02 Nov 2009 09:25:22 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/auto-insurance/tips-on-how-to-change-companies.html</guid>
      </item>
      <item>
        <title>Five ways to save money on health insurance</title>
        <link>http://www.e-wisdom.com/articles/health-insurance/five-ways-to-save-money.html</link>
        <category>Health Insurance</category>
        <description>

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         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/health-ins2-100-66.jpg&quot; alt=&quot;health-ins2-100-66.jpg&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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Saving money on health insurance is important to everyone. But don&#39;t just compare monthly premiums. Here are some tips to help you control your costs while still receiving proper medical coverage.&lt;/p&gt;</description>
        <pubDate>Wed, 28 Oct 2009 13:48:19 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/health-insurance/five-ways-to-save-money.html</guid>
      </item>
      <item>
        <title>CD laddering explained</title>
        <link>http://www.e-wisdom.com/articles/banking/cd-laddering-explained.html</link>
        <category>Banking</category>
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&lt;a href=&quot;/articles/banking/cd-laddering-explained.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/cd-laddering-100-66.jpg&quot; alt=&quot;CD laddering explained&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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CD laddering is an investment strategy that can deliver wonderful benefits for you. This article explains what it is, how it works, and ways you can use it to your advantage, even with modest amounts of money.</description>
        <pubDate>Thu, 22 Oct 2009 10:16:35 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/banking/cd-laddering-explained.html</guid>
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      <item>
        <title>How your lifestyle can affect your life insurance premium</title>
        <link>http://www.e-wisdom.com/articles/life-insurance/your-lifestyle-can-affect-your-premium.html</link>
        <category>Life Insurance</category>
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&lt;a href=&quot;/articles/life-insurance/your-lifestyle-can-affect-your-premium.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/mountain-climber-100-66.jpg&quot; alt=&quot;How your lifestyle can affect your life insurance premium&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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Did you know that different aspects of your lifestyle can have an effect on your life insurance costs? Aside from your age and medical history, other aspects that can have an effect on life insurance costs include your habits, line of work, hobbies/recreational activities, and more.</description>
        <pubDate>Mon, 19 Oct 2009 08:21:02 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/life-insurance/your-lifestyle-can-affect-your-premium.html</guid>
      </item>
      <item>
        <title>Homeowners insurance 101</title>
        <link>http://www.e-wisdom.com/articles/home-insurance/homeowners-insurance-101.html</link>
        <category>Home Insurance</category>
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&lt;a href=&quot;/articles/home-insurance/homeowners-insurance-101.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/home-ins1-100-66.jpg&quot; alt=&quot;Homeowners insurance 101&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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If you own the home you live in, you must have homeowners insurance – no exceptions. Are there any circumstances when you don&#39;t need this coverage? Are there any situations when you could decline to buy it?</description>
        <pubDate>Wed, 14 Oct 2009 08:44:32 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/home-insurance/homeowners-insurance-101.html</guid>
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      <item>
        <title>All credit cards are not created equal</title>
        <link>http://www.e-wisdom.com/articles/credit-cards/all-credit-cards-are-not-created-equal.html</link>
        <category>Credit Cards</category>
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&lt;a href=&quot;/articles/credit-cards/all-credit-cards-are-not-created-equal.html&quot; &gt;
         
         

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Many people think that all credit cards have basically have the same fees. This is not true.&amp;nbsp;Being selective in your choices of the cards you get might save you money and fees. Here are some hints and suggestions.</description>
        <pubDate>Fri, 09 Oct 2009 09:45:05 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/credit-cards/all-credit-cards-are-not-created-equal.html</guid>
      </item>
      <item>
        <title>Are calling cards still relevant?</title>
        <link>http://www.e-wisdom.com/articles/long-distance/are-calling-cards-still-relevant.html</link>
        <category>Long Distance</category>
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&lt;a href=&quot;/articles/long-distance/are-calling-cards-still-relevant.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/orange-phone-100-66.jpg&quot; alt=&quot;Are calling cards still relevant?&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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In this day and age with cell phones everywhere, VoIP services bringing down long distance charges, and all of the other wonders of modern technology at your finger tips, it is natural to look at older technology and ask the question, &quot;Are calling cards still relevant today?&quot;</description>
        <pubDate>Mon, 05 Oct 2009 08:43:32 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/long-distance/are-calling-cards-still-relevant.html</guid>
      </item>
      <item>
        <title>Ultimate guide to auto financing </title>
        <link>http://www.e-wisdom.com/articles/auto-loans/ultimate-guide-to-auto-financing.html</link>
        <category>Auto Loans</category>
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&lt;a href=&quot;/articles/auto-loans/ultimate-guide-to-auto-financing.html&quot; &gt;
         
         

         &lt;img src=&quot;http://www.e-wisdom.com/articles/uploads/1/sports-car-100-66.jpg&quot; alt=&quot;Ultimate guide to auto financing&quot; border=&quot;1&quot; align=&quot;right&quot; width=&quot;100&quot; height=&quot;66&quot; /&gt;&lt;/a&gt;
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Auto financing options include dealer and bank or credit union loans, leasing, and direct loans from auto sellers. Car loans have changed due to this economic downturn and it is important to understand them. </description>
        <pubDate>Tue, 29 Sep 2009 08:54:15 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/auto-loans/ultimate-guide-to-auto-financing.html</guid>
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      <item>
        <title>Health savings accounts (HSAs) explained</title>
        <link>http://www.e-wisdom.com/articles/health-insurance/health-savings-accounts-explained-hsas.html</link>
        <category>Health Insurance</category>
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&lt;a href=&quot;/articles/health-insurance/health-savings-accounts-explained-hsas.html&quot; &gt;
         
         

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Health savings accounts (HSAs), when matched with high deductible health plans (HDHPs) can help you control medical expenses. Read on for tips that should help you understand how to best use HSAs to maximize your health care coverage.</description>
        <pubDate>Thu, 24 Sep 2009 07:32:22 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/health-insurance/health-savings-accounts-explained-hsas.html</guid>
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