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	<title>BLACK ENTERPRISE &#187; debt</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>The Homebuyers Toolkit: Money Attitudes and Budgeting</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting#comments</comments>
		<pubDate>Fri, 20 Nov 2009 22:58:00 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43188</guid>
		<description><![CDATA[Last weekend I attended The Money Conference for Women in Hartford, CT. A 26-year-old woman stood up and shared how she is more than $60,000 in debt as a result of student loans and credit cards. She makes about $40,000 a year working for a non-profit and one of her immediate goals was to purchase a home. The keynote speaker, Michelle Singletary, a nationally syndicated columnist, told her to pump her breaks and focus on paying off her debt first. Her story is all too familiar. A lot of people want to take on more debt before addressing their current issues.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Boost Your Credit Score</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2#comments</comments>
		<pubDate>Tue, 10 Nov 2009 16:05:17 +0000</pubDate>
		<dc:creator>Lauren Lea</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42742</guid>
		<description><![CDATA[The rules for boosting credit have not changed in light of the new Credit CARD Act. “The rules have stayed the same: Pay bills on time, keep credit card balances low, and avoid bankruptcy and foreclosure,” says LaToya Irby, credit and debt management expert for About.com.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Tangled Web of Debit Cards</title>
		<link>http://www.blackenterprise.com/blogs/2009/09/11/the-tangled-web-of-debit-cards</link>
		<comments>http://www.blackenterprise.com/blogs/2009/09/11/the-tangled-web-of-debit-cards#comments</comments>
		<pubDate>Fri, 11 Sep 2009 14:58:52 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal banking]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=39641</guid>
		<description><![CDATA[I always thought that using a debit card for my purchases was a safe alternative to credit cards since the money is immediately taken out of my account. I mean, credit card debt aside, you can’t spend what you don’t have, right?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/09/11/the-tangled-web-of-debit-cards/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Committee Weighs Options to Improve Access to Capital</title>
		<link>http://www.blackenterprise.com/politics/2009/07/28/committee-weighs-options-to-improve-access-to-capital</link>
		<comments>http://www.blackenterprise.com/politics/2009/07/28/committee-weighs-options-to-improve-access-to-capital#comments</comments>
		<pubDate>Tue, 28 Jul 2009 15:48:26 +0000</pubDate>
		<dc:creator>Joyce Jones</dc:creator>
				<category><![CDATA[Politics]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[House Committee on Small Business]]></category>
		<category><![CDATA[microloan]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37964</guid>
		<description><![CDATA[A Congressional panel convened a hearing last week to explore ideas about how to improve the flow of capital to small businesses. Both Democrats and Republicans who sit on the House Committee on Small Business’ finance and tax subcommittee agree that the levels of commercial and Small Business Administration-guaranteed lending have fallen, exacerbating an already significant challenge for small- and minority-owned firms.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/politics/2009/07/28/committee-weighs-options-to-improve-access-to-capital/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Parents, Back Away From the Piggy Bank!</title>
		<link>http://www.blackenterprise.com/blogs/2009/06/10/parents-back-away-from-the-piggy-bank</link>
		<comments>http://www.blackenterprise.com/blogs/2009/06/10/parents-back-away-from-the-piggy-bank#comments</comments>
		<pubDate>Wed, 10 Jun 2009 23:22:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[The Cutting Edge]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35940</guid>
		<description><![CDATA[Who stole the cookie from the cookie jar? It may be mom or dad, according to a study released by ING Direct Monday. The financial institution found that in these tough economic times 18% of parents who have been setting cash aside for their children have tapped into that money to pay off bills and debt. And 34% of parents who have been stashing money away for their kids have reduced contributions to their children’s savings.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How New Credit Card Reform Affects You</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you#comments</comments>
		<pubDate>Wed, 03 Jun 2009 19:49:07 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35615</guid>
		<description><![CDATA[With economic conditions taking a hit over the past several months, consumers found solace in credit cards, filling a financial void created by salary cuts, layoffs, skyrocketing bills, and unemployment. Credit card companies notably, upped the ante hiking interest rates along with other unfair practices that forced Capitol Hill to clamp down on the issuers.
In [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Do As I Say, Not As I Do?</title>
		<link>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do</link>
		<comments>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do#comments</comments>
		<pubDate>Fri, 17 Apr 2009 20:31:24 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[Wealth For Life]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30069</guid>
		<description><![CDATA[A few days ago,  I was confronted with a very interesting issue by Black Enterprise magazine reader G. Scurry-Smith of Fleming, Florida: "Our family has stuck to Black Enterprise’s Wealth for Life principles for the last five years, and with a lot of discipline, we’ve reduced our debt by 50%.  We teach our [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Making Good on Collections</title>
		<link>http://www.blackenterprise.com/entrepreneurs/2009/02/26/making-good-on-collections</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/2009/02/26/making-good-on-collections#comments</comments>
		<pubDate>Thu, 26 Feb 2009 22:20:33 +0000</pubDate>
		<dc:creator>Margarette Burnette</dc:creator>
				<category><![CDATA[Entrepreneurs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[H.E. Freeman Enterprises]]></category>
		<category><![CDATA[The Enterprise Center]]></category>
		<category><![CDATA[Wood & Wood L.L.P.]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=25903</guid>
		<description><![CDATA[Bad debts should be rare, but sometimes even the most well-meaning customers don’t satisfy their obligations. They may have written a bad check or they may not have paid at all. Regardless of how their customer’s debt became overdue, small businesses need to use documentation, diplomacy, and if necessary, a judgment, to collect what’s owed.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/2009/02/26/making-good-on-collections/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What You Should Know Before Filing for Bankruptcy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2#comments</comments>
		<pubDate>Fri, 26 Dec 2008 16:10:02 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21778</guid>
		<description><![CDATA[It was the daily flood of phone calls that finally did it. They became so overwhelming that Sabrina Young stopped answering her phone and resolved to give out her phone number to family, friends, and a few chosen others. As many as four creditors a day would call, demanding payment.

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What You Should Know Before Filing For Bankruptcy</title>
		<link>http://www.blackenterprise.com/magazine/2008/12/01/what-you-should-know-before-filing-for-bankruptcy-3</link>
		<comments>http://www.blackenterprise.com/magazine/2008/12/01/what-you-should-know-before-filing-for-bankruptcy-3#comments</comments>
		<pubDate>Mon, 01 Dec 2008 21:39:00 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=24993</guid>
		<description><![CDATA[Proceed with caution. We’ll give you the tools you need so that you can make an
informed decision.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2008/12/01/what-you-should-know-before-filing-for-bankruptcy-3/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing to Build Wealth? Or Spending to Look Rich?</title>
		<link>http://www.blackenterprise.com/blogs/2008/11/17/investing-to-build-wealth-or-spending-to-look-rich-2</link>
		<comments>http://www.blackenterprise.com/blogs/2008/11/17/investing-to-build-wealth-or-spending-to-look-rich-2#comments</comments>
		<pubDate>Mon, 17 Nov 2008 16:41:46 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7442</guid>
		<description><![CDATA[One of the things I like to talk about when I travel the country speaking about the principles and habits of successful wealth-building is learning to recognize and avoid what I call poverty traps: behaviors and ways of thinking that sabotage our ability to increase our net worth and build wealth. The poverty trap I'm [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2008/11/17/investing-to-build-wealth-or-spending-to-look-rich-2/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Cardholders&#8217; Bill May Lighten Load for Businesses</title>
		<link>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses#comments</comments>
		<pubDate>Mon, 10 Nov 2008 19:29:43 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Entrepreneurs News]]></category>
		<category><![CDATA[Credit Cardholders' Bill of Rights Act]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Nancy Pelosi]]></category>
		<category><![CDATA[National Small Business Association]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=6575</guid>
		<description><![CDATA[As House Speaker Nancy Pelosi and others are calling for the enactment of a second economic stimulus package in the lame duck session of Congress, small business advocates are making the case that such a measure should include legislation designed to make credit card terms friendlier to entrepreneurs.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/entrepreneurs-news/2008/11/10/credit-cardholders-bill-may-lighten-load-for-businesses/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Deep in Business Debt?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt#comments</comments>
		<pubDate>Tue, 08 Jul 2008 01:15:00 +0000</pubDate>
		<dc:creator>Wendy Harris</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Small Business Administration]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/07/08/deep-in-business-debt/</guid>
		<description><![CDATA[If you’re like most small business owners, at some point you have robbed Peter to pay Paul.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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