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	<title>Jane Bryant Quinn &#187; Savings &amp; Debt</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
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		<title>How to beat &#8220;frugal fatigue&#8221;: 8 Ways to rightsize your life</title>
		<link>http://janebryantquinn.com/2011/03/how-to-beat-frugal-fatigue-8-ways-to-rightsize-your-life/</link>
		<comments>http://janebryantquinn.com/2011/03/how-to-beat-frugal-fatigue-8-ways-to-rightsize-your-life/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 21:53:15 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[downsize]]></category>
		<category><![CDATA[heallth insurance]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[National Foundation for Credit Counseling]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1575</guid>
		<description><![CDATA[Do you have &#8220;frugal fatigue?&#8221; You&#8217;re not alone. Pinching pennies becomes exhausting, year after year. You dream of breaking free and buying everything in sight.
But tiresome as budgets are, consumers haven&#8217;t quit them yet. You threw some money around in December, when credit card use bumped up for the first time since the 2008 financial [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to avoid STD: &#8220;Sexually transmitted debt&#8221;</title>
		<link>http://janebryantquinn.com/2011/02/how-to-avoid-std-sexually-transmitted-debt/</link>
		<comments>http://janebryantquinn.com/2011/02/how-to-avoid-std-sexually-transmitted-debt/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 11:36:03 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[College]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1550</guid>
		<description><![CDATA[In marriage, what&#8217;s your biggest financial risk? That your spouse has a secret vice, and I don&#8217;t mean playing around with other partners. It&#8217;s STD in a different form &#8211; &#8220;sexually transmitted debt.&#8221; Your beloved might be hauling the burden of excess credit card spending or unpaid student loans that have grown from a molehill [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2011/02/how-to-avoid-std-sexually-transmitted-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>New Year&#8217;s resolutions: 5 ways to simplify your financial life</title>
		<link>http://janebryantquinn.com/2010/12/kiss-yourself-rich-in-2011-simplify-your-financial-life/</link>
		<comments>http://janebryantquinn.com/2010/12/kiss-yourself-rich-in-2011-simplify-your-financial-life/#comments</comments>
		<pubDate>Fri, 24 Dec 2010 16:21:19 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[automatic saving]]></category>
		<category><![CDATA[index funds]]></category>
		<category><![CDATA[KISS]]></category>
		<category><![CDATA[rebalance]]></category>
		<category><![CDATA[simple investing]]></category>
		<category><![CDATA[target-date funds]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1502</guid>
		<description><![CDATA[ Make 2011 your year to simplify. The day I started to practice investment KISS (Keep It Simple, Sister*) was when I finally got control of my financial life. I dropped my broker, quit hunting for hot stocks and mutual funds (losers, all), and put my retirement money on automatic pilot. I chose an easy [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/12/kiss-yourself-rich-in-2011-simplify-your-financial-life/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>4 Ways to Stay Out of Debt This Holiday Shopping Season</title>
		<link>http://janebryantquinn.com/2010/12/4-ways-to-stay-out-of-debt-this-holiday-shopping-season/</link>
		<comments>http://janebryantquinn.com/2010/12/4-ways-to-stay-out-of-debt-this-holiday-shopping-season/#comments</comments>
		<pubDate>Wed, 15 Dec 2010 17:23:07 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[consumer debt]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1459</guid>
		<description><![CDATA[If you froze your credit cards in a block of ice this Christmas season,  you&#8217;re part of a trend. The use of general cards such as Visa  and MasterCard dropped by 11 percent in the third quarter of this year, the  credit bureau TransUnion reports.  America&#8217;s Research Group found that, over the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 things they don&#8217;t tell you about student loans</title>
		<link>http://janebryantquinn.com/2010/12/7-things-they-dont-tell-you-about-student-loans/</link>
		<comments>http://janebryantquinn.com/2010/12/7-things-they-dont-tell-you-about-student-loans/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 18:52:43 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[College]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[co-sign]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[parent PLUS loans]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1450</guid>
		<description><![CDATA[Student loans — if unpaid even for a short time — lock you into the only effective debtors’ prison existing in the United States. The government’s collection rights are something a mobster might admire. Late fees and collection fees are ruinous. Student loans cannot be discharged in bankruptcy, so you’ll drag that escalating debt forever. [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Foreclosure fraud: How you can be driven to default even though you pay on time</title>
		<link>http://janebryantquinn.com/2010/10/foreclosure-fraud-how-you-can-be-driven-to-default-even-though-to-pay-on-time/</link>
		<comments>http://janebryantquinn.com/2010/10/foreclosure-fraud-how-you-can-be-driven-to-default-even-though-to-pay-on-time/#comments</comments>
		<pubDate>Thu, 14 Oct 2010 19:12:35 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[mortgage default]]></category>
		<category><![CDATA[mortgage escrow accounts]]></category>
		<category><![CDATA[Mortgage foreclosure]]></category>
		<category><![CDATA[mortgage fraud]]></category>
		<category><![CDATA[mortgage servicers]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1377</guid>
		<description><![CDATA[The new, 49-state  investigation into foreclosure frauds comes as no surprise to people who  follow the mortgage service business. Shoddy, deceptive paperwork has plagued  homeowners for years. In the industry&#8217;s slimy underside, firms push borrowers  into default and foreclosure, even when they&#8217;ve been making payments on  time.
Their business model makes  defaults profitable, [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/10/foreclosure-fraud-how-you-can-be-driven-to-default-even-though-to-pay-on-time/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Who pays for a foreclosure freeze? We the taxpayers do</title>
		<link>http://janebryantquinn.com/2010/10/who-pays-for-a-foreclosure-freeze-we-the-taxpayers-do/</link>
		<comments>http://janebryantquinn.com/2010/10/who-pays-for-a-foreclosure-freeze-we-the-taxpayers-do/#comments</comments>
		<pubDate>Sat, 09 Oct 2010 16:15:17 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[Mortgage foreclosure]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[VA]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1371</guid>
		<description><![CDATA[Who do you think picks up the losses on the $500 billion worth of mortgages  now in foreclosure or in serious default? The wicked lenders? Sorry, wrong. In  more than half the cases, we the taxpayers pay.
Freezes on foreclosures, such as those in effect in at  least a quarter of the states, [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/10/who-pays-for-a-foreclosure-freeze-we-the-taxpayers-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage tip: Sometimes it&#8217;s smarter not to pay</title>
		<link>http://janebryantquinn.com/2010/10/mortgage-tip-sometimes-its-smarter-not-to-pay/</link>
		<comments>http://janebryantquinn.com/2010/10/mortgage-tip-sometimes-its-smarter-not-to-pay/#comments</comments>
		<pubDate>Fri, 08 Oct 2010 16:03:12 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage default]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1367</guid>
		<description><![CDATA[Pssst &#8211; here&#8217;s a quick personal finance tip for financially troubled people who have a first mortgage plus a home equity loan. If you can&#8217;t make the payments on the first debt, don&#8217;t pay the second one, either &#8212; even if you can afford to. Payments on the second lien are money down the drain.
That [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/10/mortgage-tip-sometimes-its-smarter-not-to-pay/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Buyer beware, if the Senate exempts auto dealers from any new consumer protection rules</title>
		<link>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/</link>
		<comments>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/#comments</comments>
		<pubDate>Mon, 17 May 2010 09:22:56 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Banks & Banking]]></category>
		<category><![CDATA[Consumer Rights]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[auto loans]]></category>
		<category><![CDATA[Cambridge Winter]]></category>
		<category><![CDATA[CFPA]]></category>
		<category><![CDATA[community bank]]></category>
		<category><![CDATA[consumer financial protection agency]]></category>
		<category><![CDATA[credit union]]></category>
		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1108</guid>
		<description><![CDATA[Auto dealers are swarming Capitol Hill, asking their Senators to exempt them from scrutiny by the proposed Consumer Financial Protection Agency. They’ve already won an exemption from the House of Representatives. If the Senate gives them a free pass, too, it will hurt consumers, turn a blind eye to predatory practices, and violate the principle [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/buyer-beware-if-the-senate-exempts-auto-dealers-from-any-new-consumer-protection-rules/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Automatic savings: the only magic in personal finance</title>
		<link>http://janebryantquinn.com/2009/11/automatic-savings-the-only-magic-in-personal-finance/</link>
		<comments>http://janebryantquinn.com/2009/11/automatic-savings-the-only-magic-in-personal-finance/#comments</comments>
		<pubDate>Sun, 08 Nov 2009 19:38:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Savings & Debt]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[automatic saving]]></category>
		<category><![CDATA[paycheck]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://janebryantquinn.adhostclient.com/?p=411</guid>
		<description><![CDATA[I probably shouldn’t admit it, but I’ve always been bad about saving money whenever willpower was involved. You have my total admiration if you can actually “pay yourself first” by writing a check to your savings account every time a paycheck comes in. I’ve tried it and failed. Some months, that check got written. Some [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2009/11/automatic-savings-the-only-magic-in-personal-finance/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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