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	<title>Personal Finance</title>
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	<link>http://www.carmelisrael.org</link>
	<description>Latest news and expert tips on how to make money and save money.</description>
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		<title>Fantastic Ways to Stay Out of Debt</title>
		<link>http://www.carmelisrael.org/fantastic-ways-to-stay-out-of-debt/</link>
		<comments>http://www.carmelisrael.org/fantastic-ways-to-stay-out-of-debt/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 18:39:45 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[bit]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[emergency]]></category>
		<category><![CDATA[pressure]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=407</guid>
		<description><![CDATA[It is certainly true that getting free of debt can be a tremendous challenge. There are countless programs and approaches to debt elimination available online and in bookstores, but many people still find ways to sabotage their success and wind up with the same old problems. With just a couple of simple steps, it is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Selecting the Best Variable Annuity</title>
		<link>http://www.carmelisrael.org/selecting-the-best-variable-annuity/</link>
		<comments>http://www.carmelisrael.org/selecting-the-best-variable-annuity/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 17:43:57 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[return]]></category>
		<category><![CDATA[stream]]></category>
		<category><![CDATA[Variable]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=410</guid>
		<description><![CDATA[Will you have enough money after retirement? This is a question invading the minds of millions of people at present. The ongoing recession has made people all the more cautious about their future. They are willing to explore all possible investment options available to them. In this situation, a changeable annuities is one of the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best Way To Handle Your Personal Finances</title>
		<link>http://www.carmelisrael.org/the-best-way-to-handle-your-personal-finances/</link>
		<comments>http://www.carmelisrael.org/the-best-way-to-handle-your-personal-finances/#comments</comments>
		<pubDate>Sun, 25 Mar 2012 18:45:52 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[household]]></category>
		<category><![CDATA[Software]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=412</guid>
		<description><![CDATA[It&#8217;s a good idea to be organised when handling your personal finances &#8211; home budgeting and personal budgeting are very important if you wish to avoid debt. Unfortunately, we don&#8217;t all have a lot of spare time to sort out our finances and I think the answer could be to purchase some personal finance software. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Choose the Right Credit Card</title>
		<link>http://www.carmelisrael.org/how-to-choose-the-right-credit-card/</link>
		<comments>http://www.carmelisrael.org/how-to-choose-the-right-credit-card/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 17:46:21 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[incentive]]></category>
		<category><![CDATA[offer]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[way]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=403</guid>
		<description><![CDATA[There are many credit cards out there. They all offer different incentives to entice you to apply. So how do you wade through the masses of information available, and weigh up the different choices that are on the market. This Review aims to give you some pointers as to what to look for to choose [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Understanding Personal Financial Planning</title>
		<link>http://www.carmelisrael.org/understanding-personal-financial-planning/</link>
		<comments>http://www.carmelisrael.org/understanding-personal-financial-planning/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 18:34:18 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Expert]]></category>
		<category><![CDATA[form]]></category>
		<category><![CDATA[position]]></category>
		<category><![CDATA[Time]]></category>
		<category><![CDATA[Understanding]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=401</guid>
		<description><![CDATA[Successful planning, regardless of what form it takes is essential if you are to succeed in life. Whether it&#8217;s planning weekend away or an incredibly complex yearlong project planning forms the very foundations and is integral to success. Essentially, financial planning can be described as creating a road map that includes various financial goals which [...]]]></description>
		<wfw:commentRss>http://www.carmelisrael.org/understanding-personal-financial-planning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Choosing The Right Annuity That Works For You</title>
		<link>http://www.carmelisrael.org/choosing-the-right-annuity-that-works-for-you/</link>
		<comments>http://www.carmelisrael.org/choosing-the-right-annuity-that-works-for-you/#comments</comments>
		<pubDate>Sat, 10 Mar 2012 19:23:14 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Choosing]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[payment]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=399</guid>
		<description><![CDATA[While you may have found out some benefits of purchasing annuities to supplement your income at any point of time in your future or for any emergency needs, it is important that you educate yourself on the respective types and understand exactly what they can do for you. You can read on to get an [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best Refinance Rates Online</title>
		<link>http://www.carmelisrael.org/the-best-refinance-rates-online/</link>
		<comments>http://www.carmelisrael.org/the-best-refinance-rates-online/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 18:22:09 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[property]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=397</guid>
		<description><![CDATA[Obtaining better interest rates can be possible by comparing rates from your home mortgage lender. Negotiate for better refinance rates by doing an online comparison given by various financial institutions. As you may also save on some costs associated with the refinance that occur same as when opting for a fresh loan. Lender considers refinance [...]]]></description>
		<wfw:commentRss>http://www.carmelisrael.org/the-best-refinance-rates-online/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Start Your Investment Success With Independent Financial Advisors</title>
		<link>http://www.carmelisrael.org/start-your-investment-success-with-independent-financial-advisors/</link>
		<comments>http://www.carmelisrael.org/start-your-investment-success-with-independent-financial-advisors/#comments</comments>
		<pubDate>Thu, 01 Mar 2012 14:48:12 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[Estate]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=394</guid>
		<description><![CDATA[Life is about the good things, and life is better when our financial future is secure. Yes, there are always ups and downs in life, and investments are no different, but there are many things that you can do to protect yourself and increase your financial wealth. A good independent financial advisor can really help [...]]]></description>
		<wfw:commentRss>http://www.carmelisrael.org/start-your-investment-success-with-independent-financial-advisors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Key to Successful Personal Financial Planning</title>
		<link>http://www.carmelisrael.org/key-to-successful-personal-financial-planning/</link>
		<comments>http://www.carmelisrael.org/key-to-successful-personal-financial-planning/#comments</comments>
		<pubDate>Sat, 25 Feb 2012 16:56:00 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[Prioritize]]></category>
		<category><![CDATA[progress]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=391</guid>
		<description><![CDATA[To get where you want to go in life, it is important to decide in advance how you will get there. Financial goals are signposts on the highway to your financial future and they serve as road map to your financial success. By keeping specific financial goals in view, you can direct your financial resources [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Importance and Advantages of Personal Financial Planning</title>
		<link>http://www.carmelisrael.org/understanding-importance-and-advantages-of-personal-financial-planning/</link>
		<comments>http://www.carmelisrael.org/understanding-importance-and-advantages-of-personal-financial-planning/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 19:22:14 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[direction]]></category>
		<category><![CDATA[process]]></category>
		<category><![CDATA[strategy]]></category>
		<category><![CDATA[track]]></category>
		<category><![CDATA[Understanding]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=387</guid>
		<description><![CDATA[Planning is an integral part of life and when it comes to financial matters planning is quite inevitable. Throughout your life, you have to make many financial decisions, such as providing for kid&#8217;s higher education, securing a comfortable retirement, buying a family car, taking out family on a holiday every year and buying or upgrading [...]]]></description>
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		<slash:comments>0</slash:comments>
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