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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>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>
		</item>
		<item>
		<title>Choosing The Right Time To Refinance</title>
		<link>http://www.carmelisrael.org/choosing-the-right-time-to-refinance/</link>
		<comments>http://www.carmelisrael.org/choosing-the-right-time-to-refinance/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 18:43:11 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Choosing]]></category>
		<category><![CDATA[Deal]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refinancing]]></category>
		<category><![CDATA[type]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=385</guid>
		<description><![CDATA[With all the recent talk of loan modification and refinancing program improvements, many homeowners begin to wonder which option is best. While refinancing a mortgage is a great way to lower payments and free up some money, it isn&#8217;t for everyone. More specifically, there are good and bad times for refinancing. In order to get [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Make Your Financial Plan Successful</title>
		<link>http://www.carmelisrael.org/how-to-make-your-financial-plan-successful/</link>
		<comments>http://www.carmelisrael.org/how-to-make-your-financial-plan-successful/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 20:04:50 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[flow]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[Review]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=378</guid>
		<description><![CDATA[Most people consult their family physician when they are faced with health problems. The physician diagnoses the problem and writes down the prescription to be followed to regain health. The story is almost similar when you approach financial planner with your financial problems. The financial planner prepares a financial plan to help you achieve your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Core Steps to Manage Personal Tax Planning</title>
		<link>http://www.carmelisrael.org/five-core-steps-to-manage-personal-tax-planning/</link>
		<comments>http://www.carmelisrael.org/five-core-steps-to-manage-personal-tax-planning/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 19:16:41 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Core]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[return]]></category>
		<category><![CDATA[self]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=375</guid>
		<description><![CDATA[Tax is a common norm that applies to all businessmen and employees. A hassle free procedure is always user-friendly with regard to personal tax planning that starts off with beginning of each financial year. What an individual requires for an easy personal tax planning without missing out any valuable deductions is to follow the five [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Look At Indian Personal Finance and Accounting for Life</title>
		<link>http://www.carmelisrael.org/a-look-at-indian-personal-finance-and-accounting-for-life/</link>
		<comments>http://www.carmelisrael.org/a-look-at-indian-personal-finance-and-accounting-for-life/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 19:20:01 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[today]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=373</guid>
		<description><![CDATA[The world today runs on the cogs of money, the centralized resource to obtaining, using and disposing of all the primary and secondary resources. As such, financial management demands the highest attention whether personal or corporate finance, holding the reigns of function at all levels. Financial management today is diversified with respect to the normal [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Vital Things To Learn About The Credit Card</title>
		<link>http://www.carmelisrael.org/vital-things-to-learn-about-the-credit-card/</link>
		<comments>http://www.carmelisrael.org/vital-things-to-learn-about-the-credit-card/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 18:32:03 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[score]]></category>
		<category><![CDATA[Vital]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=167</guid>
		<description><![CDATA[It&#8217;s true that there are many people today who shun the credit card in their lives. Some who are still facing problems also strive to slowly lessen the use of the plastic. Financial experts point out the card is useful as long as you know how to use it and you know what you&#8217;re getting. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top Budget and Personal Finance Apps</title>
		<link>http://www.carmelisrael.org/top-budget-and-personal-finance-apps/</link>
		<comments>http://www.carmelisrael.org/top-budget-and-personal-finance-apps/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 17:40:41 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[app]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[score]]></category>
		<category><![CDATA[Top]]></category>
		<category><![CDATA[track]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=165</guid>
		<description><![CDATA[Let&#8217;s face it, there are some extreme couponers, thrifters, and smart consumers out there always trying to save money and get the best deals. With budgets that much more tight in these tough economic times, it&#8217;s okay to get a little help from none other than our smartphone apps. I mean, why not, right? We [...]]]></description>
		<wfw:commentRss>http://www.carmelisrael.org/top-budget-and-personal-finance-apps/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sell Your Old Jewelry For Cash</title>
		<link>http://www.carmelisrael.org/sell-your-old-jewelry-for-cash/</link>
		<comments>http://www.carmelisrael.org/sell-your-old-jewelry-for-cash/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 18:33:06 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[everything]]></category>
		<category><![CDATA[hand]]></category>
		<category><![CDATA[Jewelry]]></category>
		<category><![CDATA[premium]]></category>
		<category><![CDATA[research]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=160</guid>
		<description><![CDATA[Many people are now selling the jewelry that they have in order to make some extra money. After all, we may have purchased quite a bit of jewelry when economic times were good, but now that things are getting a little bit tighter, we find that it is beneficial to have the cash on hand. [...]]]></description>
		<wfw:commentRss>http://www.carmelisrael.org/sell-your-old-jewelry-for-cash/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Part Time Business Opportunities</title>
		<link>http://www.carmelisrael.org/part-time-business-opportunities/</link>
		<comments>http://www.carmelisrael.org/part-time-business-opportunities/#comments</comments>
		<pubDate>Sun, 15 Jan 2012 19:23:04 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[creation]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[job]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=158</guid>
		<description><![CDATA[Nowadays, many people are searching for part time business opportunities because of the terrible economy that we are experiencing. Having only one job is not enough anymore, and many experts are saying that this situation is not going to get any better soon. If you are one of the many people that are constantly searching [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Benefits Fixed Annuities Can Offer You</title>
		<link>http://www.carmelisrael.org/what-benefits-fixed-annuities-can-offer-you/</link>
		<comments>http://www.carmelisrael.org/what-benefits-fixed-annuities-can-offer-you/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 18:37:52 +0000</pubDate>
		<dc:creator>zanisa</dc:creator>
				<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[chance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[person]]></category>

		<guid isPermaLink="false">http://www.carmelisrael.org/?p=150</guid>
		<description><![CDATA[When you retire, your main worry is how you will deal with your essential financial needs. This is where annuity schemes come into focus. Seeing the troubles that the retirees face from time to time, the financial experts have led to several ways with the help of which the people get a chance to earn [...]]]></description>
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