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	<title>My Library &#187; Finance and Money</title>
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	<link>http://luceljuliana.com</link>
	<description>~ shopping finds, how to&#039;s, tips, tricks and more ~</description>
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		<title>You And Your Credit Score</title>
		<link>http://luceljuliana.com/2011/09/08/you-and-your-credit-score/</link>
		<comments>http://luceljuliana.com/2011/09/08/you-and-your-credit-score/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 04:37:36 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=2526</guid>
		<description><![CDATA[How vigilant are you when it comes to your credit history  and or credit report? How often do you check your credit score? Is identity theft an ongoing fear that has been bugging you all these years? In these day and age when ones credit score can either make or break an individual, it is [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2011/09/08/you-and-your-credit-score/">You And Your Credit Score</a></span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Excellent Fix For Identity Theft Victims</title>
		<link>http://luceljuliana.com/2010/05/22/excellent-fix-for-identity-theft-victims/</link>
		<comments>http://luceljuliana.com/2010/05/22/excellent-fix-for-identity-theft-victims/#comments</comments>
		<pubDate>Sun, 23 May 2010 03:55:10 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=1706</guid>
		<description><![CDATA[Just the thought of becoming a victim to identity theft is sickening. I can imagine the anguish of every one who already experienced it. Although, most of us play it safe and have some safety measures in place, in this day and age when we can become victims easily, we can never be sure that  [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2010/05/22/excellent-fix-for-identity-theft-victims/">Excellent Fix For Identity Theft Victims</a></span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Pare Down Debt</title>
		<link>http://luceljuliana.com/2010/04/04/pare-down-debt/</link>
		<comments>http://luceljuliana.com/2010/04/04/pare-down-debt/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 02:22:15 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=1609</guid>
		<description><![CDATA[Many people during these trying times are drowning in debt. In fact, if what I heard is true, Americans owe as much as $2.5 trillion. That is a huge amount of money! Families however, need to do what they have to do. I&#8217;m so grateful and consider us very lucky for now, because I can [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2010/04/04/pare-down-debt/">Pare Down Debt</a></span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Charging Me!</title>
		<link>http://luceljuliana.com/2009/10/11/stop-charging-me/</link>
		<comments>http://luceljuliana.com/2009/10/11/stop-charging-me/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 04:34:39 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=1299</guid>
		<description><![CDATA[Don&#8217;t we all love the convenience of online automatic payments? Those monthly or whatever frequency bill amounts that are deducted straight from our bank accounts ( i.e. insurance online payments) &#8211; no check writing required &#8211; thank you very much. However, there is an increasingly common problem. And that is none other than the fact, [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2009/10/11/stop-charging-me/">Stop Charging Me!</a></span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Save Now To Retire In Style</title>
		<link>http://luceljuliana.com/2009/09/23/save-now-to-retire-in-style/</link>
		<comments>http://luceljuliana.com/2009/09/23/save-now-to-retire-in-style/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 05:46:26 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=1272</guid>
		<description><![CDATA[Most of us probably envision a nice lifestyle in retirement. We all want to retire rich. Who wouldn&#8217;t be? The problem is, while we are still in the workforce, we always get carried away and shop, shop, and shop until we drop. There is the allure of the sale word whenever we see the circulars [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2009/09/23/save-now-to-retire-in-style/">Save Now To Retire In Style</a></span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Identity Thieves Are Everywhere</title>
		<link>http://luceljuliana.com/2009/03/13/identity-thieves-are-everywhere/</link>
		<comments>http://luceljuliana.com/2009/03/13/identity-thieves-are-everywhere/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 21:39:38 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=926</guid>
		<description><![CDATA[It&#8217;s scary! The idea of it alone makes me cringe. Here in the US, if you become a victim of identity theft, count on the fact that your financial health is going to be ruined. Once the perpetrator starts his &#8220;thing&#8221; if you are not proactive, everything will crumble down. That is the reason why [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2009/03/13/identity-thieves-are-everywhere/">Identity Thieves Are Everywhere</a></span>]]></description>
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		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Business In-Waiting</title>
		<link>http://luceljuliana.com/2009/02/06/the-business-in-waiting/</link>
		<comments>http://luceljuliana.com/2009/02/06/the-business-in-waiting/#comments</comments>
		<pubDate>Sat, 07 Feb 2009 04:59:59 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/?p=864</guid>
		<description><![CDATA[During tumultuous times  just like right now, (as we all know by now, we&#8217;re in the midst of a recession), I wonder what  small business opportunities would do well. I am aware that there are opportunities out there, and when they are managed properly they thrive even in the worse economic situation. I am an [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2009/02/06/the-business-in-waiting/">The Business In-Waiting</a></span>]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Finance 101: Personally Speaking</title>
		<link>http://luceljuliana.com/2008/08/30/finance-101-personally-speaking/</link>
		<comments>http://luceljuliana.com/2008/08/30/finance-101-personally-speaking/#comments</comments>
		<pubDate>Sun, 31 Aug 2008 01:47:36 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/2008/08/30/finance-101-personally-speaking/</guid>
		<description><![CDATA[Most of us are overwhelmed with a lot of different financial advices. And on top of it, we are also beset by fears. But, for some who are financially savvy, just relax and practice some no-risk important actions that one has to undertake to stay on top of every financial situation. First of all, it [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2008/08/30/finance-101-personally-speaking/">Finance 101: Personally Speaking</a></span>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How To Save On Mortgage Costs</title>
		<link>http://luceljuliana.com/2008/06/08/how-to-save-on-mortgage-costs/</link>
		<comments>http://luceljuliana.com/2008/06/08/how-to-save-on-mortgage-costs/#comments</comments>
		<pubDate>Sun, 08 Jun 2008 21:43:11 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/2008/06/08/how-to-save-on-mortgage-costs/</guid>
		<description><![CDATA[With the current trend in the housing market; they say that now is the right time to buy, if you are planning to, anyway. With that, we are aware of the bloated mortgage costs that&#8217;s why prospective buyers should start by shopping for the best mortgage and compare interest rates. That said, here are some [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2008/06/08/how-to-save-on-mortgage-costs/">How To Save On Mortgage Costs</a></span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Seek Help From The Expert</title>
		<link>http://luceljuliana.com/2008/05/24/seek-help-from-the-expert/</link>
		<comments>http://luceljuliana.com/2008/05/24/seek-help-from-the-expert/#comments</comments>
		<pubDate>Sat, 24 May 2008 04:17:38 +0000</pubDate>
		<dc:creator>J</dc:creator>
				<category><![CDATA[Finance and Money]]></category>
		<category><![CDATA[Ideas]]></category>

		<guid isPermaLink="false">http://luceljuliana.com/2008/05/24/seek-help-from-the-expert/</guid>
		<description><![CDATA[We are facing tough economic times right now. With the ongoing mortgage and housing meltdown and gas prices going sky high, who is exempted from feeling the pinch? I doubt anyone will say they are not affected by it. If ordinary people that have no debt to think about are complaining, what about those that [...] <span style="color:#777"> . . . &#8594; Read More: <a href="http://luceljuliana.com/2008/05/24/seek-help-from-the-expert/">Seek Help From The Expert</a></span>]]></description>
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		<slash:comments>1</slash:comments>
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