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	<title>ByDesign</title>
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	<link>http://www.bydesignsolutions.org</link>
	<description>Credit Counseling Solutions</description>
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		<title>The True Cost of a Tax Refund Anticipation Loan (RAL)</title>
		<link>http://www.bydesignsolutions.org/the-true-cost-of-a-tax-refund-anticipation-loan-ral</link>
		<comments>http://www.bydesignsolutions.org/the-true-cost-of-a-tax-refund-anticipation-loan-ral#comments</comments>
		<pubDate>Fri, 20 Jan 2012 14:37:13 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Personal Finance Education]]></category>
		<category><![CDATA[free income tax help]]></category>
		<category><![CDATA[tax refund]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2782</guid>
		<description><![CDATA[You’ve received your W-2 and are excited to see how large your tax refund will be.  You don’t have the patience to wait for your refund, so you go to your local tax preparer and apply for a refund anticipation loan (RAL).  You are approved and receive your money the next day, but to your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get Smart: Saving for a College Education</title>
		<link>http://www.bydesignsolutions.org/get-smart-saving-for-a-college-education</link>
		<comments>http://www.bydesignsolutions.org/get-smart-saving-for-a-college-education#comments</comments>
		<pubDate>Wed, 11 Jan 2012 17:45:58 +0000</pubDate>
		<dc:creator>Brian</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[bankruptcy education]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2777</guid>
		<description><![CDATA[To be or not to be…that is the question…. Or really should I say to go or not to go? College that is. Most young adults venture off to college after high school. When I was in high school over 97% of my graduating class went to college. Why? Well, because as one of my [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>How to Fight a Holiday Spending Hangover</title>
		<link>http://www.bydesignsolutions.org/how-to-fight-a-holiday-spending-hangover</link>
		<comments>http://www.bydesignsolutions.org/how-to-fight-a-holiday-spending-hangover#comments</comments>
		<pubDate>Wed, 04 Jan 2012 16:13:16 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt management program]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2766</guid>
		<description><![CDATA[All projections show that holiday spending has increased this year. While this may be good news for the economy and retailers, it can mean the opposite for your finances. Many Americans may come to the realization that they have overspent this year, and will wonder what they can do make the best out of their situation. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Year&#8217;s Resolution to be Debt Free!</title>
		<link>http://www.bydesignsolutions.org/new-years-resolution-to-be-debt-free</link>
		<comments>http://www.bydesignsolutions.org/new-years-resolution-to-be-debt-free#comments</comments>
		<pubDate>Tue, 27 Dec 2011 22:18:00 +0000</pubDate>
		<dc:creator>Eddie</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[bankruptcy education]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt management program]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2759</guid>
		<description><![CDATA[Every new year marks a new beginning and with it, “new” new year’s resolutions. A resolution that always seems to find itself at the top of many lists is to get out of debt! Resolutions don’t mean much make them achieveable and realistic, and some resolutions can take more one year to accomplish. Like any goal, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Stress-Free Holiday Planning</title>
		<link>http://www.bydesignsolutions.org/stress-free-holiday-planning</link>
		<comments>http://www.bydesignsolutions.org/stress-free-holiday-planning#comments</comments>
		<pubDate>Tue, 20 Dec 2011 22:52:46 +0000</pubDate>
		<dc:creator>sara</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[payday loans]]></category>
		<category><![CDATA[quick cash]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2755</guid>
		<description><![CDATA[With the holidays in full swing, there are a few things you’ll want to keep in mind so that you don’t fall behind with your finances. More and more these days, there are offers out there of easy cash, such as payday loans. Although this may seem like a tempting option to try because the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Debt- The Gift that Keeps Giving</title>
		<link>http://www.bydesignsolutions.org/credit-the-gift-that-keeps-giving</link>
		<comments>http://www.bydesignsolutions.org/credit-the-gift-that-keeps-giving#comments</comments>
		<pubDate>Mon, 19 Dec 2011 21:32:09 +0000</pubDate>
		<dc:creator>Rebecca</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2751</guid>
		<description><![CDATA[We find ourselves in the time of year when our focus is mainly on shopping and spending money, whether it’s on gifts, party items, or big meals. Every time you turn on the TV or radio, check email, or log into any website, it seems like you are blasted with ads from every vendor, retailer, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Predatory Holiday Loans</title>
		<link>http://www.bydesignsolutions.org/predatory-holiday-loans</link>
		<comments>http://www.bydesignsolutions.org/predatory-holiday-loans#comments</comments>
		<pubDate>Thu, 15 Dec 2011 15:56:10 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annual fees]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit counseling]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2745</guid>
		<description><![CDATA[If you enter “Christmas Loans” into most search engines, you will get a long list of lenders offering extra cash for the holidays.  Many of these sites have holiday-themed pictures on their homepages and tout their loans as a great way to get extra cash for the holidays. Most are simply payday loan companies disguising [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Exorcising Your Haunted Credit History</title>
		<link>http://www.bydesignsolutions.org/exorcising-your-haunted-credit-history</link>
		<comments>http://www.bydesignsolutions.org/exorcising-your-haunted-credit-history#comments</comments>
		<pubDate>Fri, 28 Oct 2011 19:37:38 +0000</pubDate>
		<dc:creator>sara</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Personal Finance Education]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2681</guid>
		<description><![CDATA[Credit history, whether good or bad, stays on your credit report for 7 years (exception is Bankruptcy, 10 years). You can always dispute anything that shows on your credit report and the credit bureaus will investigate it. While they investigate any disputes directly with the creditors that reported it, items being disputed will not show [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>A New Online Tool for Homeowners Seeking a Loan Modification</title>
		<link>http://www.bydesignsolutions.org/a-new-online-tool-for-homeowners-seeking-a-loan-modification</link>
		<comments>http://www.bydesignsolutions.org/a-new-online-tool-for-homeowners-seeking-a-loan-modification#comments</comments>
		<pubDate>Mon, 26 Sep 2011 20:20:18 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage default]]></category>
		<category><![CDATA[net present value]]></category>
		<category><![CDATA[NPV]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2455</guid>
		<description><![CDATA[Homeowners who are denied a loan modification are often told that they simply don’t meet the investor guidelines. A new U.S. Treasury Department website should increase homeowners’ understanding of the modification process and the criteria used for approval.]]></description>
		<wfw:commentRss>http://www.bydesignsolutions.org/a-new-online-tool-for-homeowners-seeking-a-loan-modification/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Good News For Reverse Mortgage Borrowers And Their Heirs</title>
		<link>http://www.bydesignsolutions.org/good-news-for-reverse-mortgage-borrowers-and-their-heirs</link>
		<comments>http://www.bydesignsolutions.org/good-news-for-reverse-mortgage-borrowers-and-their-heirs#comments</comments>
		<pubDate>Fri, 02 Sep 2011 23:45:34 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[HECM]]></category>
		<category><![CDATA[HECM Loans]]></category>
		<category><![CDATA[HECM Saver]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[reverse mortgage lending]]></category>
		<category><![CDATA[reverse mortgages]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=2401</guid>
		<description><![CDATA[Recent changes in reverse mortgage lending make the loans more beneficial to the borrower.]]></description>
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