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	<title>e-wisdom.com blog &#187; Miscellaneous</title>
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		<title>Go green with eco-wisdom</title>
		<link>http://www.e-wisdom.com/blog/miscellaneous/go-green-with-eco-wisdom/</link>
		<comments>http://www.e-wisdom.com/blog/miscellaneous/go-green-with-eco-wisdom/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 13:06:28 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>

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		<description><![CDATA[




Learn, Discuss and Act Green
Go green. Act green. Be green. Green living is a popular topic these days &#8211; and rightfully so. Protecting the environment is an important concept for the present and future. 
Visit eco-wisdom.com to eco-ize your everyday life:
- Learn about green living topics with in-depth articles
- Get quick eco-friendly advice with daily [...]]]></description>
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		<title>About VoIP</title>
		<link>http://www.e-wisdom.com/blog/internet-service/about-voip/</link>
		<comments>http://www.e-wisdom.com/blog/internet-service/about-voip/#comments</comments>
		<pubDate>Fri, 26 Dec 2008 13:06:48 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Internet Service]]></category>
		<category><![CDATA[Long Distance]]></category>
		<category><![CDATA[Miscellaneous]]></category>

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How Does Voice over Internet Protocol Work?
Voice over Internet Protocol (VoIP) is the terminology used to name the process of transmitting communications through voice over the Internet through IP packets. In layman&#8217;s terms, VoIP simply means that telephone calls are routed over the Internet. Although these terms are less commonly used, Voice over Internet Protocol [...]]]></description>
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		<title>About Universal Default</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/about-universal-default/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/about-universal-default/#comments</comments>
		<pubDate>Tue, 04 Nov 2008 12:06:47 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

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What is universal default?
Universal default is an important term to watch out for when dealing with credit cards. Universal default permits a credit card company to increase your interest rates (or change your rates to the default rates) associated with that account because of negative information associated with any credit card or loan that you.
The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Free-quent Fliers?</title>
		<link>http://www.e-wisdom.com/blog/news/free-quent-fliers/</link>
		<comments>http://www.e-wisdom.com/blog/news/free-quent-fliers/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 12:06:47 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Some airlines are now adding fees to cash in your miles
A recent article discussed how some airlines are now adding fees to cash in frequent flyer miles. This news comes in addition to other news of additional fees that some airlines are now charging for luggage and other items.
According to the article, some airlines are [...]]]></description>
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		<title>About the FAFSA</title>
		<link>http://www.e-wisdom.com/blog/loans/about-the-fafsa/</link>
		<comments>http://www.e-wisdom.com/blog/loans/about-the-fafsa/#comments</comments>
		<pubDate>Thu, 14 Aug 2008 12:06:36 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Student Loans]]></category>

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Free Application for Federal Student Aid
The FAFSA (Free Application for Federal Student Aid) is the no-cost application used by colleges and universities to determine eligibility for Federal Student Aid. The FAFSA is the first step in the financial aid process and is used to determine eligibiliy for different types of financial aid, including Pell Grants, [...]]]></description>
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		<title>Credit Cards: About International Transaction Fees</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/credit-cards-about-international-transaction-fees/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/credit-cards-about-international-transaction-fees/#comments</comments>
		<pubDate>Fri, 11 Jul 2008 12:06:40 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

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Do all credit cards charge fees for international transactions?
When using credit cards outside of the U.S., a credit card user is likely to incur transaction fees for any purchases made while out of the country. Purchases made by cardholders in foreign countries can be subject to various transaction fees. 
Unfortunately, there is no standard international [...]]]></description>
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		<item>
		<title>About Credit Scores</title>
		<link>http://www.e-wisdom.com/blog/internet-service/about-credit-scores/</link>
		<comments>http://www.e-wisdom.com/blog/internet-service/about-credit-scores/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 12:06:20 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Internet Service]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

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What elements factor into the calculation of a credit score?
Your credit score is based on the various information that is present in your individual credit report. The score is based on the different categories, which vary amongst different scoring models. In addtition, how much weight each category holds in a specfic scoring model also varies.
However, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Card Roll-Down Calculator</title>
		<link>http://www.e-wisdom.com/blog/credit-cards/credit-card-roll-down-calculator/</link>
		<comments>http://www.e-wisdom.com/blog/credit-cards/credit-card-roll-down-calculator/#comments</comments>
		<pubDate>Mon, 09 Jun 2008 12:06:35 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/blog/credit-cards/credit-card-roll-down-calculator/</guid>
		<description><![CDATA[




Pay off your credit card debt faster
Chances are that if you have credit card debt, your main goal is to pay off this credit card debt in its entirety as quickly as possible. Easier said than done, right? As with most personal finance matters, formulating a basic plan and strategy is one key to success. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Required Income Calculator</title>
		<link>http://www.e-wisdom.com/blog/loans/mortgage-required-income-calculator/</link>
		<comments>http://www.e-wisdom.com/blog/loans/mortgage-required-income-calculator/#comments</comments>
		<pubDate>Fri, 23 May 2008 12:06:12 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/blog/loans/mortgage-required-income-calculator/</guid>
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How much income do you need to qualify for a mortgage?
Especially in the current economy, it&#8217;s a good idea to have a general idea how much income you need to qualify for a certain mortgage amount. Our Mortgage Required Income Calculator will help you to determine how much income you need to qualify for a [...]]]></description>
		<wfw:commentRss>http://www.e-wisdom.com/blog/loans/mortgage-required-income-calculator/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Budget Calculator</title>
		<link>http://www.e-wisdom.com/blog/web-site-updates/budget-calculator-59/</link>
		<comments>http://www.e-wisdom.com/blog/web-site-updates/budget-calculator-59/#comments</comments>
		<pubDate>Mon, 12 May 2008 12:06:26 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Site Updates]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/blog/web-site-updates/budget-calculator-59/</guid>
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Home Budget Analysis Calculator
Managing your monthly budget can be a frustrating experience. And if you don&#8217;t currently have a monthly budget, creating one can be difficult and time consuming. Yes, these tasks can be difficult and frustrating, but they don&#8217;t have to be. Our home budget calculator can make budgeting a much easier process.
One of [...]]]></description>
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		<slash:comments>0</slash:comments>
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