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	<title>Comments for Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
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	<link>http://financialcrisis.org</link>
	<description>Personal Financial Planning during a Financial Crisis</description>
	<lastBuildDate>Sun, 29 Nov 2009 11:44:57 -0600</lastBuildDate>
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		<title>Comment on 25 of the Best Financial Crisis Links and Websites by Another 25 Good Financial Crisis Sites and Blogs &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/09/25-financial-crisis-links/comment-page-1/#comment-137</link>
		<dc:creator>Another 25 Good Financial Crisis Sites and Blogs &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Sun, 29 Nov 2009 11:44:57 +0000</pubDate>
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		<description>[...] reseach of the past and present financial crises, here&#8217;s another 25 links to add to the  financial crisis websites we&#8217;ve already shared with [...]</description>
		<content:encoded><![CDATA[<p>[...] reseach of the past and present financial crises, here&#8217;s another 25 links to add to the  financial crisis websites we&#8217;ve already shared with [...]</p>
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		<title>Comment on Who Benefits from the US Stimulus Package by Financial Crisis News &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/03/who-benefits-from-the-us-stimulus-package/comment-page-1/#comment-136</link>
		<dc:creator>Financial Crisis News &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Fri, 27 Nov 2009 05:51:51 +0000</pubDate>
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		<description>[...] More: Who Benefits from the US Stimulus Package? [...]</description>
		<content:encoded><![CDATA[<p>[...] More: Who Benefits from the US Stimulus Package? [...]</p>
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		<title>Comment on Who Benefits from the US Stimulus Package by Financial Crisis - When Will I Receive My Tax Rebate Check? &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/03/who-benefits-from-the-us-stimulus-package/comment-page-1/#comment-135</link>
		<dc:creator>Financial Crisis - When Will I Receive My Tax Rebate Check? &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Fri, 27 Nov 2009 05:51:17 +0000</pubDate>
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		<description>[...] Find out more about how the the Economic Stimulus package directly helps you. [...]</description>
		<content:encoded><![CDATA[<p>[...] Find out more about how the the Economic Stimulus package directly helps you. [...]</p>
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		<title>Comment on What is Bankruptcy by What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/06/bankruptcy/comment-page-1/#comment-134</link>
		<dc:creator>What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Thu, 26 Nov 2009 11:33:43 +0000</pubDate>
		<guid isPermaLink="false">http://financialcrisis.org/?p=180#comment-134</guid>
		<description>[...] Don’t be tempted to ransack your 401(k) or IRA to get through this rough patch. You will be stung for taxes and penalties now, plus you will lose the tax-deferred returns you could have made. If you have 30 years to retirement, and assuming 8% annual growth, taking out $10,000 now means $109,000 less when you retire. Retirement funds are protected in bankruptcy court, so they should never be used to pay your credit card debt, which is wiped clean if you go bankrupt. [...]</description>
		<content:encoded><![CDATA[<p>[...] Don’t be tempted to ransack your 401(k) or IRA to get through this rough patch. You will be stung for taxes and penalties now, plus you will lose the tax-deferred returns you could have made. If you have 30 years to retirement, and assuming 8% annual growth, taking out $10,000 now means $109,000 less when you retire. Retirement funds are protected in bankruptcy court, so they should never be used to pay your credit card debt, which is wiped clean if you go bankrupt. [...]</p>
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		<title>Comment on Preventing a Catastrophe in the California Crisis by Bruce H</title>
		<link>http://financialcrisis.org/2009/08/preventing-catastrophe-california-crisis/comment-page-1/#comment-94</link>
		<dc:creator>Bruce H</dc:creator>
		<pubDate>Tue, 18 Aug 2009 06:04:40 +0000</pubDate>
		<guid isPermaLink="false">http://financialcrisis.org/?p=370#comment-94</guid>
		<description>The neighborhoods will not stabilize or return to viability.  High fuel costs, endless hours spent commuting, a long muted economic recovery and decreasing state and local tax revenues will all combine to make &quot;suburbia&quot; the new 21st century American slum.  The housing stock built in the last 15+ years is particle board and drywall junk requiring high maintenance and excessive costly utility use for livability.   The decline in housing values will limit township civic amenities and cripple the primary and secondary school systems.  Environmentalism will frustrate the introduction of small scale industry and associated jobs.  Those who can, the creative, the highly skilled, the mobile, the high wage earners will all migrate elsewhere.</description>
		<content:encoded><![CDATA[<p>The neighborhoods will not stabilize or return to viability.  High fuel costs, endless hours spent commuting, a long muted economic recovery and decreasing state and local tax revenues will all combine to make &#8220;suburbia&#8221; the new 21st century American slum.  The housing stock built in the last 15+ years is particle board and drywall junk requiring high maintenance and excessive costly utility use for livability.   The decline in housing values will limit township civic amenities and cripple the primary and secondary school systems.  Environmentalism will frustrate the introduction of small scale industry and associated jobs.  Those who can, the creative, the highly skilled, the mobile, the high wage earners will all migrate elsewhere.</p>
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		<title>Comment on The California Mortgage Crisis: No End in Sight by Preventing a Catastrophe in the California Crisis &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/08/california-mortgage-crisis-sight/comment-page-1/#comment-93</link>
		<dc:creator>Preventing a Catastrophe in the California Crisis &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Wed, 12 Aug 2009 13:32:44 +0000</pubDate>
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		<description>[...] California Foreclosure Prevention Act was introduced in an attempt to slow the torrent of foreclosures flooding the state – and with many more to come – and to allow extra time for lenders and borrowers to agree on [...]</description>
		<content:encoded><![CDATA[<p>[...] California Foreclosure Prevention Act was introduced in an attempt to slow the torrent of foreclosures flooding the state – and with many more to come – and to allow extra time for lenders and borrowers to agree on [...]</p>
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		<title>Comment on The California Mortgage Crisis: No End in Sight by DG</title>
		<link>http://financialcrisis.org/2009/08/california-mortgage-crisis-sight/comment-page-1/#comment-92</link>
		<dc:creator>DG</dc:creator>
		<pubDate>Thu, 06 Aug 2009 03:52:19 +0000</pubDate>
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		<description>Completely agree.  This isn&#039;t even close to over.  Walk though a neighborhood heavily built in 2005/2006 and you will see how bad it has gotten.  Best to walk away now and start the credit report so when the market finally bottoms out in 3-4 years you are ready to buy at fair market value.  We will probably have another bubble sometime a few years after that.</description>
		<content:encoded><![CDATA[<p>Completely agree.  This isn&#8217;t even close to over.  Walk though a neighborhood heavily built in 2005/2006 and you will see how bad it has gotten.  Best to walk away now and start the credit report so when the market finally bottoms out in 3-4 years you are ready to buy at fair market value.  We will probably have another bubble sometime a few years after that.</p>
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		<title>Comment on Alternative Options When You’re Facing Foreclosure by 10 Tips on How to Avoid Foreclosure &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/07/alternative-options-youre-facing-foreclosure/comment-page-1/#comment-57</link>
		<dc:creator>10 Tips on How to Avoid Foreclosure &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Sat, 04 Jul 2009 08:09:08 +0000</pubDate>
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		<description>[...] Alternative Options When You’re Facing Foreclosure  [...]</description>
		<content:encoded><![CDATA[<p>[...] Alternative Options When You’re Facing Foreclosure  [...]</p>
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		<title>Comment on How To Stop Using Your Credit Cards! by What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/06/stop-credit-cards/comment-page-1/#comment-55</link>
		<dc:creator>What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Sat, 04 Jul 2009 04:01:54 +0000</pubDate>
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		<description>[...] How To Stop Using Your Credit Cards!  [...]</description>
		<content:encoded><![CDATA[<p>[...] How To Stop Using Your Credit Cards!  [...]</p>
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		<title>Comment on Is a Payday Loan Suitable For You? by What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</title>
		<link>http://financialcrisis.org/2009/06/payday-loan-suitable/comment-page-1/#comment-54</link>
		<dc:creator>What to do When you Lose Your Job &#124; Financial Crisis and Personal Finance News, Articles and Tips @ FinancialCrisis.Org</dc:creator>
		<pubDate>Sat, 04 Jul 2009 04:00:57 +0000</pubDate>
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		<description>[...] Is a Payday Loan Suitable For You?  [...]</description>
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