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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, 20 Nov 2009 10:23:15 PST</pubDate>
      <language>en-us</language>
      <item>
        <title>Banking fees 101</title>
        <link>http://www.e-wisdom.com/articles/banking/banking-fees-101.html</link>
        <category>Banking</category>
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It seems that banks have fees for almost every type of activity. ATM fees and overdraft fees are two of many that can catch you unaware. Here are some of the more common fees, what they might cost, and recommendations to avoid them.</description>
        <pubDate>Fri, 20 Nov 2009 07:43:31 PST</pubDate>
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        <title>Questions to ask when choosing a home insurance plan</title>
        <link>http://www.e-wisdom.com/articles/home-insurance/questions-to-ask-when-choosing-a-plan.html</link>
        <category>Home Insurance</category>
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Most homeowners insurance policies are more of a custom variety instead of standard one. Knowing the right questions to ask helps you get the coverage you need at prices you can afford.</description>
        <pubDate>Mon, 16 Nov 2009 09:06:54 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/home-insurance/questions-to-ask-when-choosing-a-plan.html</guid>
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        <title>Credit card fact or fiction, part IV</title>
        <link>http://www.e-wisdom.com/articles/credit-cards/credit-card-fact-or-fiction-part-iv.html</link>
        <category>Credit Cards</category>
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&lt;a href=&quot;/articles/credit-cards/credit-card-fact-or-fiction-part-iv.html&quot; &gt;
         
         

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It is curious why so many myths surround credit cards considering that almost everyone has at least one and they&#39;ve been a major source of unsecured credit lines for many years. Here&#39;s how to separate fact from fiction.</description>
        <pubDate>Tue, 10 Nov 2009 07:21:09 PST</pubDate>
        <guid isPermaLink="true">http://www.e-wisdom.com/articles/credit-cards/credit-card-fact-or-fiction-part-iv.html</guid>
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        <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;
         
         

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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>
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      <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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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>
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        <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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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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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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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>
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