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	<title>ø Debt Consolidation ø</title>
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	<link>http://debt-consolidation.strategy-blogs.com</link>
	<description>Smart Approaches to Getting out of Debt and Frugal Living</description>
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		<title>Borrowing From an IRA Account</title>
		<link>http://debt-consolidation.strategy-blogs.com/2009/04/borrowing-from-an-ira-account.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2009/04/borrowing-from-an-ira-account.html#comments</comments>
		<pubDate>Fri, 03 Apr 2009 14:09:30 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=431</guid>
		<description><![CDATA[A lot of readers want to know if they can borrow from their IRA.  This is a common question.  Most places you will find advice saying that you can&#8217;t borrow from individual retirement account.  This is almost true, but it doesn&#8217;t consider the whole picture.
The IRS is very specific that you can&#8217;t use an IRA [...]]]></description>
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		<title>Worst Time to Borrow From Your IRA</title>
		<link>http://debt-consolidation.strategy-blogs.com/2009/03/worst-time-to-borrow-from-your-ira.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2009/03/worst-time-to-borrow-from-your-ira.html#comments</comments>
		<pubDate>Mon, 30 Mar 2009 07:52:28 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=429</guid>
		<description><![CDATA[Borrowing from your IRA isn&#8217;t really allowed.  There is a loop hole that will let you borrow money from your IRA for very short periods of time.  Given the current economic situation this maybe a very tempting option.  However, there is a signficant danger with trying to borrow from your retirement account like this.
The first [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>American Express Dropping Customers</title>
		<link>http://debt-consolidation.strategy-blogs.com/2009/03/american-express-dropping-customers.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2009/03/american-express-dropping-customers.html#comments</comments>
		<pubDate>Tue, 24 Mar 2009 04:55:26 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=427</guid>
		<description><![CDATA[American Express has been dropping some of their customers.  Here are a few examples that I&#8217;ve heard of happening.
One customer was in Europe on vacation and their Amex card stopped working.  They finally got ahold of American Express and discovered that their account had been canceled.  They never were given a good solid reason.
A business [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stimulus for First Time Home Owners</title>
		<link>http://debt-consolidation.strategy-blogs.com/2009/03/stimulus-for-first-time-home-owners.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2009/03/stimulus-for-first-time-home-owners.html#comments</comments>
		<pubDate>Tue, 24 Mar 2009 04:49:15 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=425</guid>
		<description><![CDATA[First time home owners can get $8,000 from the government for buying at house in 2009.  And it isn&#8217;t just for first time home owners.  If you haven&#8217;t owned a house in the past three years you qualify.
The $8,000 is the maximum amount of the credit.  If you buy a house for less than $80,000.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Borrowing Against an IRA</title>
		<link>http://debt-consolidation.strategy-blogs.com/2009/03/borrowing-against-an-ira.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2009/03/borrowing-against-an-ira.html#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:34:56 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=420</guid>
		<description><![CDATA[With the current financial crisis, many people are looking for ways to use the money in their IRA and 401k plans to help with current expenses.  There is a way to borrow from an IRA for 60 days, but keep in mind that if you are unable to pay the money back you will be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Dangers of Debt Consolidation</title>
		<link>http://debt-consolidation.strategy-blogs.com/2008/12/dangers-of-debt-consolidation.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2008/12/dangers-of-debt-consolidation.html#comments</comments>
		<pubDate>Thu, 18 Dec 2008 17:00:45 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=320</guid>
		<description><![CDATA[Debt consolidation is often the primary back up plan for someone that can no longer make payments to multiple creditors. Advertisements for debt consolidation companies often make this plan sound like a difficulty-free way to dissolve debt, as if with a magic wand. While debt consolidation can be beneficial, what the companies will not tell [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Foreclosures Work</title>
		<link>http://debt-consolidation.strategy-blogs.com/2008/12/how-foreclosures-work.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2008/12/how-foreclosures-work.html#comments</comments>
		<pubDate>Thu, 11 Dec 2008 17:00:00 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=325</guid>
		<description><![CDATA[With recent trends in the stock market and housing market, many have become curious exactly what goes on during a foreclosure. Unfortunately, foreclosures are not a pleasant experience for anyone involved in the process. For the borrower, the process can be very emotionally trying and carries a significant amount of stress with it. For the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Credit Card Traps</title>
		<link>http://debt-consolidation.strategy-blogs.com/2008/12/10-credit-card-traps.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2008/12/10-credit-card-traps.html#comments</comments>
		<pubDate>Thu, 04 Dec 2008 17:00:58 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=344</guid>
		<description><![CDATA[Credit cards have been around for a good, long time. Their original use was more similar to a charge card than what it is today, but the way in which people use these plastic cards has also changed a great deal.
Our society also looks at credit cards with a different view than they did years [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Articles on Debt Consolidation</title>
		<link>http://debt-consolidation.strategy-blogs.com/2008/12/5-articles-on-debt-consolidation.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2008/12/5-articles-on-debt-consolidation.html#comments</comments>
		<pubDate>Tue, 02 Dec 2008 16:38:23 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=203</guid>
		<description><![CDATA[

Definition: Debt Consolidation-by Savvy Sugar
Debt consolidation may seem like the easy way out of a financial fiasco, but, in reality, it can make a financial burden even greater than before. Debt consolidation certainly does have its advantages if the correct measures are taken to curb spending. However, the principle behind any plan to rid a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Negotiating a Lower Mortgage Payment</title>
		<link>http://debt-consolidation.strategy-blogs.com/2008/11/negotiating-a-lower-mortgage-payment.html</link>
		<comments>http://debt-consolidation.strategy-blogs.com/2008/11/negotiating-a-lower-mortgage-payment.html#comments</comments>
		<pubDate>Thu, 27 Nov 2008 17:00:33 +0000</pubDate>
		<dc:creator>debtguru</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://debt-consolidation.strategy-blogs.com/?p=341</guid>
		<description><![CDATA[Mortgage payments can be very difficult to deal with. As our economy affects the housing market greatly, the recent economic downturn in the stock market has also caused a disturbing fall in the housing market. Because many people invested in homes during the early part of the century and years before, they now owe much [...]]]></description>
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		<slash:comments>0</slash:comments>
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