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	<title>financeobserver.com &#187; Credit &amp; Debt</title>
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		<title>What You Need to Know About Mortgages</title>
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		<pubDate>Thu, 27 Aug 2009 18:31:34 +0000</pubDate>
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				<category><![CDATA[Credit & Debt]]></category>
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		<description><![CDATA[In America, many people dream of owning their own home someday. Because owning a home a big accomplishment, so banks have come up with a type of loan called a mortgage that uses real estate as collateral to secure this type of loan.]]></description>
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		<title>Home Equity Loans – A Low Interest Alternative</title>
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		<pubDate>Thu, 27 Aug 2009 18:28:20 +0000</pubDate>
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		<description><![CDATA[If you own your own home, and you’re looking to take out a loan, then a home equity loan may be a good option for you. Often, banks will let you borrow money based on the equity that you’ve built in your home. And because you essentially own the equity in your home, then these loans come with lower interest rates than other types of loans. ]]></description>
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		<title>Learn How to Consolidate Your Debt Today</title>
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		<pubDate>Thu, 27 Aug 2009 18:24:21 +0000</pubDate>
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		<description><![CDATA[Debt consolidation is exactly what its name implies – it’s grouping together some or all of your debt and consolidating it. When you consolidate your debt, you make one monthly payment to pay off your debt instead of making a payment to each creditor. There are several ways to consolidate your debt and several things to look out for before choosing the option that’s right for you.]]></description>
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		<title>Types of Consumer Loans</title>
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		<pubDate>Mon, 10 Aug 2009 02:41:45 +0000</pubDate>
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				<category><![CDATA[Credit & Debt]]></category>
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		<description><![CDATA[A consumer loan is very broad term to describe a group of loans that are used for the purchase of consumer goods. Consumer loans are different than a mortgage for example, because mortgages are loans used to purchase homes or real estate. ]]></description>
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		<title>The Ins and Outs of Credit Cards</title>
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		<pubDate>Mon, 10 Aug 2009 02:33:29 +0000</pubDate>
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		<description><![CDATA[Credit Cards, as we know them today, have a long history that dates back to the early 1900s. Back then, stores would issue cards to customers for them to purchase items on credit. But this was really to create customer loyalty so they would return to the store. ]]></description>
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