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	<title>My Finance Site!</title>
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	<link>http://www.financelend.com</link>
	<description>Welcome to FinanceLend</description>
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		<title>Does Social Bookmarking help to promote your business?</title>
		<link>http://www.financelend.com/does-social-bookmarking-help-to-promote-your-business</link>
		<comments>http://www.financelend.com/does-social-bookmarking-help-to-promote-your-business#comments</comments>
		<pubDate>Mon, 08 Mar 2010 23:44:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Markets and Shares]]></category>

		<guid isPermaLink="false">http://www.financelend.com/does-social-bookmarking-help-to-promote-your-business</guid>
		<description><![CDATA[In the recent times, the role of social bookmarking for Search Engine Optimisation of a business has gone to a new level. More and more users are getting hooked to Social Networking sites these days and that’s why there is an increasing chance of your business getting noticed. Wonder why?
Generally, in social bookmarking, sites of [...]]]></description>
			<content:encoded><![CDATA[<p>In the recent times, the role of social bookmarking for <a href="http://www.searchengineoptimisation.org/">Search Engine Optimisation</a> of a business has gone to a new level. More and more users are getting hooked to Social Networking sites these days and that’s why there is an increasing chance of your business getting noticed. Wonder why?</p>
<p>Generally, in social bookmarking, sites of interest for a particular user are bookmarked. Whenever, a person bookmarks a specific site, friends of that user gets a notification (Generally, but there are exceptions for some social bookmarking sites as well). So, if those friends find your site useful to them, they will bookmark it. The process goes on like a chain and you won’t believe how many bookmarks you can get. Now, obviously the traffic will continue to come from these bookmarking sites provided you have substantial business and you have been able to increase your business reputation from time to time.</p>
<p>When you start promoting your site through social bookmarking, remember to have an account at that bookmarking site with lot of friends and your bio given properly (If possible, add the logo of your business in the profile picture). If you don’t have the time to build one, just buy an existing account.</p>
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		<title>Get A Tax Break With A Cash ISA</title>
		<link>http://www.financelend.com/get-a-tax-break-with-a-cash-isa</link>
		<comments>http://www.financelend.com/get-a-tax-break-with-a-cash-isa#comments</comments>
		<pubDate>Thu, 25 Feb 2010 20:56:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.financelend.com/get-a-tax-break-with-a-cash-isa</guid>
		<description><![CDATA[Everyone knows that you can&#8217;t avoid paying taxes. You have to pay taxes on all of your earnings including any interest that you&#8217;ve earned from your savings account. But, there is an exception to that rule. You never have to pay taxes on the interest that you earn from a cash ISA.
The interest that is [...]]]></description>
			<content:encoded><![CDATA[<p>Everyone knows that you can&#8217;t avoid paying taxes. You have to pay taxes on all of your earnings including any interest that you&#8217;ve earned from your savings account. But, there is an exception to that rule. You never have to pay taxes on the interest that you earn from a cash ISA.</p>
<p>The interest that is earned on a cash ISA never has to be reported on your taxes at the end of the financial year. No matter how much interest your savings earns, it&#8217;s all paid directly to you. And, it&#8217;s always nice when you get to keep more of your money in your own pocket!</p>
<p>Every resident of the UK that is 16 years of age, or older, is entitled to one ISA every year. Although there is a limit of one account each year, you can have multiple accounts that you opened in the previous years. And, if you take advantage of the best <a href="http://www.isarates.org.uk">cash ISA rates</a>, you can earn even more.</p>
<p>Cash ISA&#8217;s just make good financial sense, especially if you are a high rate taxpayer. If you already fall into the higher tax bracket, you could benefit considerably from the tax free status that comes with an ISA. And, if you have to pay a lot of taxes, any tax free money is a good thing.</p>
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		<title>Earn More With High Interest Savings</title>
		<link>http://www.financelend.com/earn-more-with-high-interest-savings</link>
		<comments>http://www.financelend.com/earn-more-with-high-interest-savings#comments</comments>
		<pubDate>Mon, 08 Feb 2010 13:41:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.financelend.com/earn-more-with-high-interest-savings</guid>
		<description><![CDATA[When it comes to savings accounts, most people consider the interest rates to be one of the main attractions. After all, everyone wants to earn as much money as they can on their savings. And, it&#8217;s really easy to find the best high rate interest savings account.
You can earn interest on any savings account, but [...]]]></description>
			<content:encoded><![CDATA[<p>When it comes to savings accounts, most people consider the interest rates to be one of the main attractions. After all, everyone wants to earn as much money as they can on their savings. And, it&#8217;s really easy to find the best high rate interest savings account.</p>
<p>You can earn interest on any savings account, but a <a href="http://www.uknetguide.co.uk/Finance/Savings_Account_Search/">high interest savings account</a> can earn five to ten times more interest than a basic account. If you only have a small amount of money in savings that difference might not be substantial. But, if you have a large savings higher rates can add up to a lot more interest.</p>
<p>Most financial providers will require that you have a large intial deposit to qualify for high interest. They will also usually require that you maintain a higher balance than what is required with a basic savings account. And, many will limit the amount of transactions that you can make.</p>
<p>If you already have a large savings in a basic account, you should consider transferring that money to a high interest account. You can find high interest accounts online, or at a local financial institution. A high interest account will allow your money to work better for you.</p>
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		<title>Trading Stocks Online</title>
		<link>http://www.financelend.com/trading-stocks-online</link>
		<comments>http://www.financelend.com/trading-stocks-online#comments</comments>
		<pubDate>Mon, 21 Dec 2009 10:50:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Markets and Shares]]></category>

		<guid isPermaLink="false">http://www.financelend.com/trading-stocks-online</guid>
		<description><![CDATA[When you are looking for the best in online stock trading, it can be tough to find sites that do what they claim to do. You’re trying to invest your money, and everyone is making claims as to why their site is the most effective. That’s why it’s important to research all your options before [...]]]></description>
			<content:encoded><![CDATA[<p>When you are looking for the best in online stock trading, it can be tough to find sites that do what they claim to do. You’re trying to invest your money, and everyone is making claims as to why their site is the most effective. That’s why it’s important to research all your options before you decide to go with a particular site- to see if it lives up to the hype.</p>
<p>Everyone knows that the Internet makes it easier to do business around the world. However, it has made stock trading especially easy and convenient. Most people graduate to <a href="https://www.trademonster.com">online stock trading</a> in order to save money, in the form of brokerage and other fees.</p>
<p>When you trade online, you are in control of the whole process. You don’t need a broker to handle your trades- you’ve cut out the middleman, and all the fees that are associated with them. All you do is make a few simple choices, and with a mouse click or two, you’re done!</p>
<p>Online stock trading makes it easy to buy and sell stocks whenever and wherever you want. The markets may close at a certain time, but if you trade online, there are no constraints on your time- which gives you more power, freedom and choice.</p>
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		<title>What is an IVA?</title>
		<link>http://www.financelend.com/what-is-an-iva</link>
		<comments>http://www.financelend.com/what-is-an-iva#comments</comments>
		<pubDate>Thu, 10 Dec 2009 18:40:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.financelend.com/what-is-an-iva</guid>
		<description><![CDATA[IVA stands for Individual Voluntary Agreement. This agreement can take place when someone has creditors that they owe and they wish to arrange a payment agreement with their creditors. This type of agreement will include the full amount of debts with creditors and it will have a time frame in which the debts will be [...]]]></description>
			<content:encoded><![CDATA[<p>IVA stands for Individual Voluntary Agreement. This agreement can take place when someone has creditors that they owe and they wish to arrange a payment agreement with their creditors. This type of agreement will include the full amount of debts with creditors and it will have a time frame in which the debts will be considered free and clear. For example, one may set up their agreement with their creditors, via a third party (the one who helps the consumer prepare the agreement) so that their debts will be paid off in 3 years. This agreement is not to be confused with credit counseling or other debt relief programs like that.</p>
<p>There are licensed professionals who arrange these agreements with consumers. These professionals will ask for a person’s total debt amount, their financial information regarding income and other things like that, and they will help the consumer figure out their payment plan. When the consumer is in total agreement of what they will pay back, when the payments will be made, and for how long the payments will be made, they will then sign an individual voluntary agreement. An Interim Order is the next step.</p>
<p>An Interim Order is a court proceeding. It is best described as a court hearing or a court judgment, but it is a temporary one. This proceeding will not be finalized until the consumer and the creditors have appeared at court proceeding and have agreed, before the Judge, about the agreement that has been made, otherwise known as the individual voluntary agreement.</p>
<p>You can read more about IVA&#8217;s on <a href="http://www.debtalleviate.co.uk/iva-advice/">DebtAlleviate.co.uk</a>.</p>
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		<title>Cutting Down On Expenses</title>
		<link>http://www.financelend.com/cutting-down-on-expenses</link>
		<comments>http://www.financelend.com/cutting-down-on-expenses#comments</comments>
		<pubDate>Mon, 07 Dec 2009 21:09:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.financelend.com/cutting-down-on-expenses</guid>
		<description><![CDATA[A wedding is one of the biggest expenses in your financial life. So remember these some tips to help lower the expenses for your big day.
- Unless you are one hundred percent set on a date, then try to avoid the &#8216;wedding season&#8217; which is the peak time when people get married, and all of [...]]]></description>
			<content:encoded><![CDATA[<p>A <a href="http://www.modernwedding.org">wedding</a> is one of the biggest expenses in your financial life. So remember these some tips to help lower the expenses for your big day.</p>
<p>- Unless you are one hundred percent set on a date, then try to avoid the &#8216;wedding season&#8217; which is the peak time when people get married, and all of the venues, such as reception halls, will charge the highest. Reception costs, after all, often account for fifty percent of your overall budget.</p>
<p>- Keep the guest list total as low as possible since most venues charge per person, which adds to your expenses.</p>
<p>- Consider offering a smaller meal at the reception, and buying the wine or liquor to be served at the bar to the guests yourself, as the reception hall will charge you much more for the service. You also have to pay per person, per meal so this will help cut down on your expenses.</p>
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		<title>Auto Loans</title>
		<link>http://www.financelend.com/auto-loans</link>
		<comments>http://www.financelend.com/auto-loans#comments</comments>
		<pubDate>Mon, 07 Dec 2009 17:19:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.financelend.com/auto-loans</guid>
		<description><![CDATA[Getting auto loans isn’t easy- if you’ve never done it, it’s no fun going from one lender to the other, filling out repetitive application forms, only to be rejected.  Online auto loans are convenient, allowing you to apply with multiple lenders in the comfort of your own home.  There are a variety of online lenders, [...]]]></description>
			<content:encoded><![CDATA[<p>Getting <a href="http://www.one38.org/">auto loans</a> isn’t easy- if you’ve never done it, it’s no fun going from one lender to the other, filling out repetitive application forms, only to be rejected.  Online auto loans are convenient, allowing you to apply with multiple lenders in the comfort of your own home.  There are a variety of online lenders, and following  a few simple tips will make you more likely to be approved.</p>
<p>Before you apply, you should have an idea of how much you want to spend.  This is important in determining your loan amount, your interest rate, and the length of the loan.  No matter what you decide, leave a little extra to pay for taxes and other fees.  Online auto loans are simple and most lenders provide a calculator to determine the size of the loan you’ll need.  Knowing your budget will increase your chance of getting approved.</p>
<p>A good credit history will get you approved more easily.  Lenders will offer you auto loans with lower interest rates and other perks.  It’s important to have good credit- if your credit is damaged, you should try to clean it up before you apply.  Those with poor credit can still get a loan but it usually comes with higher payments and interest.</p>
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		<title>Options for School Credit Cards</title>
		<link>http://www.financelend.com/options-for-school-credit-cards</link>
		<comments>http://www.financelend.com/options-for-school-credit-cards#comments</comments>
		<pubDate>Mon, 07 Dec 2009 17:16:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.financelend.com/options-for-school-credit-cards</guid>
		<description><![CDATA[Student credit cards are something that you have likely thought about as you begin your school studies. A credit card would be great to get those concert tickets that you want, or buy groceries when you don’t have any cash. Here are a couple things to remember when you are making your choice. Card companies [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.jsnet.org/cards/student-credit-cards/">Student credit cards</a> are something that you have likely thought about as you begin your school studies. A credit card would be great to get those concert tickets that you want, or buy groceries when you don’t have any cash. Here are a couple things to remember when you are making your choice. Card companies find students easy prey. Students often get credit cards with high interest rates and don’t know how to avoid it.  It may seem like something that you want to do, but be sure that you understand the interest rate and talked to your parents, see if they think it is a good deal. Any thing you buy on a credit card, if you don’t pay it back right away, you’ll be charged interest on top.</p>
<p>Always be sure you are using your card responsibly. Be sure you are really going to pay back your bill on time.  Missing just one month or so of your credit card payments can lead to big problems.  Make sure you understand what your payments will be and that you are making them on time. This is the best way to build credit and to avoid the bad credit syndrome, which will follow you for many years.</p>
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		<title>Secured Personal Loan Downsides</title>
		<link>http://www.financelend.com/secured-personal-loan-downsides</link>
		<comments>http://www.financelend.com/secured-personal-loan-downsides#comments</comments>
		<pubDate>Mon, 07 Dec 2009 14:07:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.financelend.com/secured-personal-loan-downsides</guid>
		<description><![CDATA[Because you will need to have your property valued, personal loans can take longer to arrange. If for some reason you cannot keep making repayments then your lender can take your collateral to get their money back, meaning they could have your property/possessions repossessed.  If you have payment protection, you have some security against job loss, [...]]]></description>
			<content:encoded><![CDATA[<p>Because you will need to have your property valued, <a href="http://www.glitec.co.uk/personal-loans/">personal loans</a> can take longer to arrange. If for some reason you cannot keep making repayments then your lender can take your collateral to get their money back, meaning they could have your property/possessions repossessed.  If you have payment protection, you have some security against job loss, illness or accident here, but it will add to your total.  Lenders will certainly advertise their &#8216;best&#8217; rates, but you may not qualify for these.  The best rates you will see will be offered to few people with perfect track records. Look for the APR (Annual Percentage Rate) this will be the actual rate you&#8217;ll be paying. Check carefully on those special offers, what looks like a bargain can often cost you more. No one knows how things will be in the next few years so you should be looking for repayments holidays, flexibility in over payments and penalty-free early repayment wherever possible. The downside, not all personal loans will give you this kind of flexibility.</p>
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		<title>Things to consider before taking a car loan</title>
		<link>http://www.financelend.com/things-to-consider-before-taking-a-car-loan</link>
		<comments>http://www.financelend.com/things-to-consider-before-taking-a-car-loan#comments</comments>
		<pubDate>Wed, 02 Dec 2009 17:23:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.financelend.com/things-to-consider-before-taking-a-car-loan</guid>
		<description><![CDATA[When choosing a new car, you&#8217;ve got to take a lot of things into consideration. Most people want a car that gets good gas mileage, a car that is a certain style and color, or a car that has certain extra options. What most people don&#8217;t think about is that there are also several things [...]]]></description>
			<content:encoded><![CDATA[<p>When choosing a new car, you&#8217;ve got to take a lot of things into consideration. Most people want a car that gets good gas mileage, a car that is a certain style and color, or a car that has certain extra options. What most people don&#8217;t think about is that there are also several things to consider before taking out a <a href="http://www.carfinance.org.uk">car finance</a> loan.</p>
<p>The amount of interest that you&#8217;re going to have to pay is probably the most important factor when choosing where to get car financing. The higher the interest rate, the more you&#8217;re going to have to pay back. And, the higher your payments will generally be.</p>
<p>The amount of the payments is just as important as the interest rate. Some lenders will only let you finance a car for three years, although most places will give you five years to pay the loan off. The less years you have to re-pay the loan, the more your payments will be.</p>
<p>Before you sign any papers make sure that you&#8217;re aware of any extra charges that might be added by the lender. When considering the amount of the payments, think about the future. A high payment might not seem so bad until you realize that you&#8217;ll be required to make it for five years.</p>
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