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	<description>Personal finance tips to help you save money on monthly expenses.</description>
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		<title>How to avoid long-standing student debt</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/student-loans/how-to-avoid-long-standing-student-debt/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/student-loans/how-to-avoid-long-standing-student-debt/#comments</comments>
		<pubDate>Mon, 27 Dec 2010 16:04:53 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2337</guid>
		<description><![CDATA[You can control your student debt by borrowing less and sometimes by refinancing your home. But tread carefully when mixing up your home with other debt.]]></description>
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		<title>Two steps to prevent identity theft</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-monitoring/two-steps-to-prevent-identity-theft/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-monitoring/two-steps-to-prevent-identity-theft/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 16:25:55 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Monitoring]]></category>
		<category><![CDATA[id theft]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2342</guid>
		<description><![CDATA[Be careful of the sites you do business with to prevent identity theft. Here are two quick and easy ways to help prevent it from happening to you.]]></description>
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		<title>New rules for ATM/debit cards</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/new-rules-for-atm-debit-cards/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/new-rules-for-atm-debit-cards/#comments</comments>
		<pubDate>Wed, 15 Dec 2010 16:31:28 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[atm]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2484</guid>
		<description><![CDATA[New ATM/Debit Card rules eliminate automatic overdraft protection, unless you specifically authorize the service and the charges.]]></description>
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		<title>Paying off credit card debt in 3 steps</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/paying-off-credit-card-debt-in-3-steps/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/paying-off-credit-card-debt-in-3-steps/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 15:01:56 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[balance transfers]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2432</guid>
		<description><![CDATA[It can be relatively easy to pay off your credit card debt, but it will take time and effort.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What to do if your identity is stolen</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-monitoring/what-to-do-if-your-identity-is-stolen/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-monitoring/what-to-do-if-your-identity-is-stolen/#comments</comments>
		<pubDate>Mon, 06 Dec 2010 15:18:08 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Monitoring]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2396</guid>
		<description><![CDATA[If your identity is stolen, you should file complaints with the police and FTC and close the affected accounts.]]></description>
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		<title>Jobs that can increase life insurance rates</title>
		<link>http://www.e-wisdom.com/tips/insurance/life-insurance/jobs-that-can-increase-life-insurance-rates/</link>
		<comments>http://www.e-wisdom.com/tips/insurance/life-insurance/jobs-that-can-increase-life-insurance-rates/#comments</comments>
		<pubDate>Mon, 29 Nov 2010 15:54:08 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[insurance quotes]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2391</guid>
		<description><![CDATA[Having a job that is dangerous and puts you at risk regularly can mean higher life insurance rates.]]></description>
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		<title>Sharing credit card accounts: Exercise caution</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/credit-cards/sharing-credit-card-accounts-exercise-caution/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/credit-cards/sharing-credit-card-accounts-exercise-caution/#comments</comments>
		<pubDate>Wed, 24 Nov 2010 15:14:21 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[joint accounts]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2323</guid>
		<description><![CDATA[Being generous is always nice, but maybe not always wise. Credit accounts should only be shared when you are married.]]></description>
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		<title>Marriage and combining finances: Two bank accounts or one?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/marriage-and-combining-finances-two-bank-accounts-or-one/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/marriage-and-combining-finances-two-bank-accounts-or-one/#comments</comments>
		<pubDate>Fri, 19 Nov 2010 15:47:04 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[bank accounts]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2315</guid>
		<description><![CDATA[When you get married, there is a long list of decisions you must make. You can have a joint account after marriage, but sometimes it's better to have separate accounts.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Have CD rates bounced back yet?</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/banking/have-cd-rates-bounced-back-yet/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/banking/have-cd-rates-bounced-back-yet/#comments</comments>
		<pubDate>Mon, 15 Nov 2010 16:03:12 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[cd ladders]]></category>
		<category><![CDATA[cd rates]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2384</guid>
		<description><![CDATA[CD rates have not completely bounced back, but they are currently climbing little by little.]]></description>
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		<item>
		<title>Questions to ask before refinancing your mortgage</title>
		<link>http://www.e-wisdom.com/tips/personal-finance/home-loans/questions-to-ask-before-refinancing-your-mortgage/</link>
		<comments>http://www.e-wisdom.com/tips/personal-finance/home-loans/questions-to-ask-before-refinancing-your-mortgage/#comments</comments>
		<pubDate>Wed, 10 Nov 2010 16:35:39 +0000</pubDate>
		<dc:creator>e-wisdom.com editors</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.e-wisdom.com/tips/?p=2303</guid>
		<description><![CDATA[There has probably never been a better time to consider refinancing. Here are some key questions that could mean the difference between refinancing and not.]]></description>
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