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	<title>The Financial Spot</title>
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	<link>http://thefinancialspot.com</link>
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		<title>FICO and Vantage 2.0 Credit Scoring Systems</title>
		<link>http://thefinancialspot.com/credit/fico-and-vantage-2-0-credit-scoring-systems/</link>
		<comments>http://thefinancialspot.com/credit/fico-and-vantage-2-0-credit-scoring-systems/#comments</comments>
		<pubDate>Thu, 07 Jul 2011 12:41:20 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[american express]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[capital one]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[chase credit card]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit cards for fair credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[discover card]]></category>
		<category><![CDATA[household bank]]></category>
		<category><![CDATA[hsbc]]></category>
		<category><![CDATA[orchard bank]]></category>
		<category><![CDATA[providian]]></category>
		<category><![CDATA[verizon wireless]]></category>
		<category><![CDATA[wachovia]]></category>
		<category><![CDATA[wamu]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=143</guid>
		<description><![CDATA[While not fully understood by most people, the FICO credit reporting system is the one that is most widely recognized in the United States.  Developed in the early 1950s by an engineer, Fair, and a mathematician, Isaac, the Fair Isaac Corporation or FICO is the most commonly used credit reporting system although it is not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Bankruptcy or Debt Management: Which Is Easier?</title>
		<link>http://thefinancialspot.com/debt-managment/bankruptcy-or-debt-management-which-is-easier/</link>
		<comments>http://thefinancialspot.com/debt-managment/bankruptcy-or-debt-management-which-is-easier/#comments</comments>
		<pubDate>Tue, 11 Jan 2011 14:17:17 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Debt Managment]]></category>
		<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=138</guid>
		<description><![CDATA[When faced with insurmountable debt burden, most people find it hard to decide which way to go. While bankruptcy promises you a fresh chance of rebuilding finances, debt management options get you out of your debts with ease. But answer to the confusion depends on the kind of circumstances you are in. So, before you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Student Loan Consolidation Options</title>
		<link>http://thefinancialspot.com/student-loans/student-loan-consolidation-options/</link>
		<comments>http://thefinancialspot.com/student-loans/student-loan-consolidation-options/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 12:21:30 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[acs]]></category>
		<category><![CDATA[aes]]></category>
		<category><![CDATA[chase student loan consolidation]]></category>
		<category><![CDATA[compare student loan consolidation]]></category>
		<category><![CDATA[department of education]]></category>
		<category><![CDATA[federal student loan consolidation]]></category>
		<category><![CDATA[great lakes student loans]]></category>
		<category><![CDATA[nelnet]]></category>
		<category><![CDATA[private student loan consolidation]]></category>
		<category><![CDATA[sallie mae]]></category>
		<category><![CDATA[Student Loan Consolidation]]></category>
		<category><![CDATA[student loan consolidation citibank]]></category>
		<category><![CDATA[student loan forgiveness]]></category>
		<category><![CDATA[student loan refinance]]></category>
		<category><![CDATA[student loan repayment]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=122</guid>
		<description><![CDATA[College was great and now it&#8217;s time to pay back those dreaded student loans that you had to take to pay for your tuition. Many students sign their lives away by taking private student loans at ridiculous interest rates. Many of these rates are not fixed for the term of the loan which can be [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Experience Breeze from Standard Chartered</title>
		<link>http://thefinancialspot.com/banking/experience-breeze-from-standard-chartered/</link>
		<comments>http://thefinancialspot.com/banking/experience-breeze-from-standard-chartered/#comments</comments>
		<pubDate>Wed, 25 Aug 2010 18:40:29 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=115</guid>
		<description><![CDATA[If you live in Malaysia or Singapore then you are in for a real treat. Standard Chartered Bank has a new online banking platform called Breeze that is making waves in every direction! This innovative means of doing online banking was developed in Singapore and will be available in both Singapore and Malaysia in the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Processing Credit Cards and Payments</title>
		<link>http://thefinancialspot.com/credit/processing-credit-cards-and-payments/</link>
		<comments>http://thefinancialspot.com/credit/processing-credit-cards-and-payments/#comments</comments>
		<pubDate>Mon, 03 May 2010 14:37:04 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[american express]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[capital one]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit cards for bad credit]]></category>
		<category><![CDATA[credit cards for fair credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[gas credit cards]]></category>
		<category><![CDATA[instant credit cards]]></category>
		<category><![CDATA[mastercard]]></category>
		<category><![CDATA[student credit cards]]></category>
		<category><![CDATA[visa]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=112</guid>
		<description><![CDATA[Credit cards processing gained a great deal of popularity amongst among the masses that no business can be termed as complete and efficient if it doesn’t use credit card services. Definitely, without credit card services, most of one of the businesses would end up losing a significant chunk of business opportunities. Some people go to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is Higher Education Worth It</title>
		<link>http://thefinancialspot.com/education/is-higher-education-worth-it/</link>
		<comments>http://thefinancialspot.com/education/is-higher-education-worth-it/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 04:58:18 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[average education costs]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[college tuition costs]]></category>
		<category><![CDATA[ed costs]]></category>
		<category><![CDATA[education cost calculator]]></category>
		<category><![CDATA[Education Costs]]></category>
		<category><![CDATA[education costs increase]]></category>
		<category><![CDATA[education costs tax]]></category>
		<category><![CDATA[elementary education costs]]></category>
		<category><![CDATA[national education costs]]></category>
		<category><![CDATA[physical therapy school costs]]></category>
		<category><![CDATA[public education costs]]></category>
		<category><![CDATA[public school education costs]]></category>
		<category><![CDATA[rising education costs]]></category>
		<category><![CDATA[state education costs]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=58</guid>
		<description><![CDATA[There are many reasons to seek higher education, most of them having nothing to do with money.  You may enjoy an improved self esteem or better analytical skills, or perhaps you want to finally follow your lifelong dream.  Really, what it all boils down to is whether the financial investment is worth the money you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Refinancing Mortgages Still in Vogue</title>
		<link>http://thefinancialspot.com/mortgages/refinancing-mortgages-still-in-vogue/</link>
		<comments>http://thefinancialspot.com/mortgages/refinancing-mortgages-still-in-vogue/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 00:38:25 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[cnn]]></category>
		<category><![CDATA[countrywide]]></category>
		<category><![CDATA[current mortgage rates]]></category>
		<category><![CDATA[ditech]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[home equity loans]]></category>
		<category><![CDATA[lending tree]]></category>
		<category><![CDATA[mortgage calculator]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Refinancing Mortgages]]></category>
		<category><![CDATA[usaa]]></category>
		<category><![CDATA[wells fargo]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=107</guid>
		<description><![CDATA[Today&#8217;s homeowners are looking into ways to knock down their mortgage. Payments and get cash back. Run the numbers&#8211;many websites now offer amortization schedule calculators as well as refinance calculators with the current interest rates to help the average consumer get up to speed about current trends in the market. Mortgage Brokers are standing by [...]]]></description>
		<wfw:commentRss>http://thefinancialspot.com/mortgages/refinancing-mortgages-still-in-vogue/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips on Starting Late with Retirement Savings</title>
		<link>http://thefinancialspot.com/money-saving-tips/tips-on-starting-late-with-retirement-savings/</link>
		<comments>http://thefinancialspot.com/money-saving-tips/tips-on-starting-late-with-retirement-savings/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 03:10:51 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Money Saving Tips]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[average american retirement savings]]></category>
		<category><![CDATA[average retirement savings]]></category>
		<category><![CDATA[fidelity]]></category>
		<category><![CDATA[how much to save for retirement]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<category><![CDATA[retirement savings account]]></category>
		<category><![CDATA[retirement savings advice]]></category>
		<category><![CDATA[retirement savings by age]]></category>
		<category><![CDATA[retirement savings calculator]]></category>
		<category><![CDATA[retirement savings options]]></category>
		<category><![CDATA[retirement savings percentage]]></category>
		<category><![CDATA[retirement savings statistics]]></category>
		<category><![CDATA[roth ira]]></category>
		<category><![CDATA[suze orman]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=52</guid>
		<description><![CDATA[Millions of Americans today are in their 40s to 50s and have little to no retirement savings.  To many this would seem to be too late, that you’ll never have a significant amount of retirement money.  But that is often not the case.  It is important that you start as soon as you can, but [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Affordable Car Insurance Rates, Do They Exist</title>
		<link>http://thefinancialspot.com/personal-finance/affordable-car-insurance-rates-do-they-exist/</link>
		<comments>http://thefinancialspot.com/personal-finance/affordable-car-insurance-rates-do-they-exist/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 22:18:14 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[allstate]]></category>
		<category><![CDATA[american family insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance companies]]></category>
		<category><![CDATA[car insurance quotes]]></category>
		<category><![CDATA[car insurance ratings]]></category>
		<category><![CDATA[cheap car insurance]]></category>
		<category><![CDATA[esurance]]></category>
		<category><![CDATA[farmers car insurance]]></category>
		<category><![CDATA[geico]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[mercury insurance]]></category>
		<category><![CDATA[progressive]]></category>
		<category><![CDATA[state farm]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=37</guid>
		<description><![CDATA[These days buying a car is expensive, but buying car insurance makes buying the car look like nothing. If you are a young driver the cost can be prohibitive. Finding affordable car insurance rates in Florida or any state can seem fruitless. However it really does come down to how hard you are willing to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investors and The Market Always Bounce Back</title>
		<link>http://thefinancialspot.com/investing/investors-and-the-market-always-bounce-back/</link>
		<comments>http://thefinancialspot.com/investing/investors-and-the-market-always-bounce-back/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 03:07:38 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://thefinancialspot.com/?p=100</guid>
		<description><![CDATA[It is hard to believe that the stock market and investing in the stock market bounces back time after time.with that, investors even if they have lost substantial sums of money bounced back with it. There are not very many people who have made money investing in the stock market the last two years or [...]]]></description>
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		<slash:comments>0</slash:comments>
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