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<title>Lynnette Khalfani-Cox - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Lynnette_Khalfani-Cox</link>
<pubDate>Wed, 15 Feb 2012 11:53:02 -0600</pubDate>
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<description><![CDATA[Lynnette Khalfani-Cox, The Money Coach(TM), is a personal finance expert and the author of The Money Coach's Guide to Your First Million (McGraw Hill), Investing Success: How To Conquer 30 Costly Mistakes & Multiply Your Wealth! and the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom (Advantage World Press).]]></description>
<lastBuildDate>Wed, 10 Mar 2010 20:57:48 -0600</lastBuildDate>
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<title>Understanding Your Relationship With Money</title>
<link>http://EzineArticles.com/3897849</link>
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<pubDate>Wed, 10 Mar 2010 20:57:48 -0600</pubDate>
<description><![CDATA[Most people know that it's a great idea to have money automatically transferred from their paycheck into their savings account each month. But unfortunately, not everyone does it. In fact, about 1 out of 4 people polled in the survey had failed to take this basic step, which makes saving more money each month easy and hassle-free.]]></description>
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<title>Overhauling Your Budget Due to a Reduced Income</title>
<link>http://EzineArticles.com/3897814</link>
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<pubDate>Wed, 10 Mar 2010 15:56:13 -0600</pubDate>
<description><![CDATA[Anytime you have a substantially reduced income, or an outright elimination of income, it means you have to completely overhaul your budget. A few tweaks, changes and minor pullbacks here and there just won't do. If your income is off by 50%, you must drastically slash your current or previous spending, and also think about creative ways to raise cash. Otherwise, you risk falling deeper into debt.]]></description>
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<title>How to Stop Living Paycheck to Paycheck</title>
<link>http://EzineArticles.com/3897776</link>
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<pubDate>Wed, 10 Mar 2010 15:48:01 -0600</pubDate>
<description><![CDATA[To get out of the cycle of living paycheck to paycheck you have to take a hard look at your budget. In order to get ahead financially - and stop being cash-strapped all the time - you absolutely must get your spending in alignment with your actual income. In a nutshell, you can not spend more than you earn. In fact, your spending should not be anywhere near your earnings, and you should be putting aside 10% of your income into savings. ]]></description>
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<title>How to Fix Defaulted Student Loans and Wage Garnishments</title>
<link>http://EzineArticles.com/3897740</link>
<guid>http://EzineArticles.com/3897740</guid>
<pubDate>Wed, 10 Mar 2010 15:25:19 -0600</pubDate>
<description><![CDATA[In this tough economy, an increasing number of college graduates (and college drop-outs) are falling behind on their student loans. According to the Department of Education, federal student loan defaults were up to 6.9% in 2009, well above their 2008 of 5.2%. For those carrying private loans, defaults hit 3.37% in 2008 versus 1.47% in 2006, according to Sallie Mae, one of America's largest providers of private loans.]]></description>
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<title>Strategies For Dealing With Debt Collectors</title>
<link>http://EzineArticles.com/3897682</link>
<guid>http://EzineArticles.com/3897682</guid>
<pubDate>Wed, 10 Mar 2010 15:22:03 -0600</pubDate>
<description><![CDATA[Even though it's stressful to deal with debt collectors, ironically, it's when your account is past due that you are often in the best position of all to negotiate with bill collectors and collection agencies. You have something that bill collector wants - cash. They also have something you want - the power to update your credit report, and to go away. So your strategy, in a nutshell, should be to dangle the cash carrot before their eyes - whatever amount of cash you have.]]></description>
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<title>Are You a Shopaholic? How to Stop Emotional Over-Spending</title>
<link>http://EzineArticles.com/3893997</link>
<guid>http://EzineArticles.com/3893997</guid>
<pubDate>Wed, 10 Mar 2010 14:33:28 -0600</pubDate>
<description><![CDATA[If we're honest with ourselves, many of us will admit that so much of what we spend money on - and why we spend money - is tied to our emotional state. And when our purchasing decisions are wrapped up in the way we feel, we spend money out of boredom, depression, elation, or angst, to name just a few emotions.]]></description>
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<title>How to Save Money on a Tight Budget</title>
<link>http://EzineArticles.com/3893958</link>
<guid>http://EzineArticles.com/3893958</guid>
<pubDate>Wed, 10 Mar 2010 13:45:59 -0600</pubDate>
<description><![CDATA[Saving money can be particularly during an economic downturn. But there are many money-saving strategies that can boost your bank account and help you save thousands of dollars over the course of a year. Here are some ideas:]]></description>
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<title>How to Protect Yourself From the Medical Bills of Your Spouse Or Ex-Spouse</title>
<link>http://EzineArticles.com/3688183</link>
<guid>http://EzineArticles.com/3688183</guid>
<pubDate>Thu, 04 Feb 2010 11:07:11 -0600</pubDate>
<description><![CDATA[If your husband or wife winds up with big medical bills, did you know that you could be liable for those debts? It's true. With medical collection activity on the rise, it is definitely possible that a hospital, clinic or healthcare provider could come after you to pay off healthcare bills incurred by your spouse or even a former spouse.]]></description>
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<title>The Differences Between Debt Management Companies and Debt Settlement Firms</title>
<link>http://EzineArticles.com/3687576</link>
<guid>http://EzineArticles.com/3687576</guid>
<pubDate>Wed, 03 Feb 2010 20:36:55 -0600</pubDate>
<description><![CDATA[With the average U.S. household owing more than $10,000 in credit card debt, it's no surprise that millions of consumers are turning to debt management companies or debt settlement firms to become debt free. However, there are enormous differences between these two types of organizations. A good debt management company offers free or low cost services, can help you preserve your credit rating, and will teach you to organize your finances and budget properly. It will also successfully negotiate with your creditors to give you financial relief.]]></description>
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<title>How to Stop Foreclosure Using Chapter 13 Bankruptcy</title>
<link>http://EzineArticles.com/3545600</link>
<guid>http://EzineArticles.com/3545600</guid>
<pubDate>Mon, 11 Jan 2010 13:14:17 -0600</pubDate>
<description><![CDATA[In 2009, there were more than 1.4 million bankruptcy filings in the United States. Most personal bankruptcies are Chapter 7 filings. But with scores of people facing foreclosure, more individuals are filing Chapter 13, because it allows them to keep their homes. Here are some of the important facts you need to know about filing Chapter 13.]]></description>
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<title>Why You Should Get Three Credit Reports Simultaneously - and Not Just One</title>
<link>http://EzineArticles.com/3182724</link>
<guid>http://EzineArticles.com/3182724</guid>
<pubDate>Wed, 04 Nov 2009 14:13:59 -0600</pubDate>
<description><![CDATA[You may know that federal law entitles you to receive one free credit report each year from the three major credit bureaus: Equifax, Experian, and TransUnion. But do you know the best way to do so, and how to stay on top of your credit all year long?]]></description>
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<title>With Hundreds of US Banks Still in Jeopardy, Credit Crunch May Last For Decades</title>
<link>http://EzineArticles.com/3146138</link>
<guid>http://EzineArticles.com/3146138</guid>
<pubDate>Thu, 29 Oct 2009 20:22:16 -0500</pubDate>
<description><![CDATA[Although the American economy and the global economy both appear to be stabilizing, the U.S. banking sector nevertheless continues to struggle. By late 2009, more than 100 banks had collapsed in the U.S. during the year.]]></description>
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<title>How to Negotiate For a Raise - Even in a Bad Economy</title>
<link>http://EzineArticles.com/3046218</link>
<guid>http://EzineArticles.com/3046218</guid>
<pubDate>Mon, 19 Oct 2009 16:09:53 -0500</pubDate>
<description><![CDATA[Be honest: have you ever wanted a raise at work, but were too afraid to ask for one - or uncertain as to how to get it? When it comes to the workplace, one of the least favorite tasks facing workers is asking for a raise, especially these days. I know there are some onerous bosses out there, and I realize, of course, that we're all dealing with tighter budgets. But the truth of the matter is: if you're cash-strapped, the simple act of walking into your boss's office and getting a raise could be just the thing you need to boost your finances in this shaky economy.]]></description>
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<title>Where to Find Grants and Free Money For First Time Homebuyers</title>
<link>http://EzineArticles.com/3006749</link>
<guid>http://EzineArticles.com/3006749</guid>
<pubDate>Fri, 09 Oct 2009 17:07:01 -0500</pubDate>
<description><![CDATA[If you or someone you know is trying to become a first-time homeowner, and you don't have a high salary or a lot of savings, there is financial assistance available if you lack a large down-payment or enough money for closing costs. Over the past decade there has been a surge in first-time homebuyer initiatives designed to give people a helping hand in overcoming the down payment dilemma.]]></description>
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<title>How to Get Government Help to Avoid Foreclosure</title>
<link>http://EzineArticles.com/2972863</link>
<guid>http://EzineArticles.com/2972863</guid>
<pubDate>Fri, 09 Oct 2009 14:37:12 -0500</pubDate>
<description><![CDATA[Part of President Obama's $75 billion mortgage rescue plan is aimed at helping people avoid foreclosure - by either refinancing their house notes or modifying their loans. Many lenders, large and small, are even agreeing to delay foreclosure proceedings for homeowners that meet certain criteria.]]></description>
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<title>3 Important Rules You Must Know to Have Perfect Credit</title>
<link>http://EzineArticles.com/2927683</link>
<guid>http://EzineArticles.com/2927683</guid>
<pubDate>Mon, 28 Sep 2009 13:24:50 -0500</pubDate>
<description><![CDATA[When it comes to credit, there are three basic - yet all-important - rules you need to know if you want to achieve the highest possible credit rating. These are rules that banks and creditors, credit reporting agencies, and credit-scoring companies tell you explicitly: in their consumer publications, on their websites, and in a variety of communications with you.]]></description>
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<title>Death As a Basis For Student Loan Cancellation</title>
<link>http://EzineArticles.com/2607059</link>
<guid>http://EzineArticles.com/2607059</guid>
<pubDate>Tue, 14 Jul 2009 10:26:21 -0500</pubDate>
<description><![CDATA[Contrary to the notion that death can only be used as a basis for student loan cancellation upon the death of the recipient or the student himself, the federal law actually says that this ground can also be used once the student loan borrower passes away. To be able to clarify this statement, it is first important to define who the recipient and the borrower are.]]></description>
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