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	<title>Finances and Credit Cards Made Easy</title>
	<link>http://www.finances-made-easy.com</link>
	<description>How to easily manage your money</description>
	<lastBuildDate>Fri, 14 May 2010 11:09:05 +0000</lastBuildDate>
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	<item>
		<title>Repaying the loan ahead of schedule</title>
		<description><![CDATA[For John and Peter, their partnership continued through the project until the completion of the building. Because of the relationship established between the Building and Construction Trades Council and the contractor, there were no issues that could not be resolved. And since there was a no-strike clause in their agreement, the building was completed ahead [...]]]></description>
		<link>/repaying-the-loan-ahead-of-schedule/</link>
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	<item>
		<title>Attaching various improvements to a loan</title>
		<description><![CDATA[Marty and Jean were so pleased with the outcome of their initial activitytogether that they decided to expand this concept. Beyond making sure that Maintenance and Housekeeping didn’t hinder each other’s work,they brainstormed a list of other activities where they might work  together. Some of the ideas they came up with included ways that Maintenance [...]]]></description>
		<link>/attaching-various-improvements-to-a-loan/</link>
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		<title>A more straightforward approach to credit</title>
		<description><![CDATA[At this stage in the partnership, you and your partner have already completed an initial activity together. You’ve had an opportunity to evaluate the activity and give each other feedback. You are now ready to determine whether the partnership is right for both of you. Review the items listed here: Formal commitment to partnership. Mutual [...]]]></description>
		<link>/a-more-straightforward-approach-to-credit/</link>
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		<title>Are you ready to incorporate a loan into your business</title>
		<description><![CDATA[You’ve initiated an activity.Was it successful? Did you need to go back and refine the plan? Was it a bomb? What measurements and indicators did you establish to measure its success? How did the relationship develop? Were there trust and mutual benefits for all the partners? Are you ready to move to the next step? [...]]]></description>
		<link>/are-you-ready-to-incorporate-a-loan-into-your-business/</link>
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		<title>Better pricing power of a credit</title>
		<description><![CDATA[Capacity utilization (CAPU) emerges as an important factor for high-yield investments because it is a good indicator for the direction of high-yield spreads. The strongest correlation (0.76) is found by lagging CAPU rates by about six months. Low CAPU rates are not sustainable in the long term. Companies have to adjust their business models in [...]]]></description>
		<link>/better-pricing-power-of-a-credit/</link>
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		<title>The distress ratio of your loan</title>
		<description><![CDATA[The distress ratio is an indicator for the current state of the high-yield market. It can be defined as the percentage amount of all outstanding highyield bonds trading at a spread of at least 1,000 bp over a comparable government bond. The lower the distress ratio the better the shape of the high-yield market. There [...]]]></description>
		<link>/the-distress-ratio-of-your-loan/</link>
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		<title>Employer stock</title>
		<description><![CDATA[Employer stock is about loyalty, not investment return. Many 401(k) plans match contributions from employees with shares of employer stock. About a third of all 401(k) assets are company stock. Stock option plans allow employees to buy shares of employer stock at a discount. Stock ownership plans are funded entirely with employer stock. Tax benefits [...]]]></description>
		<link>/employer-stock/</link>
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	<item>
		<title>You must be an independent thinker</title>
		<description><![CDATA[With optimism as the prevailing attitude, it is heretical to insist stock prices will decline, and sacrilegious to make money from declining stock prices. Shorts are vilified by the financial services industry and in the financial press. Mutual fund managers often declare their abhorrence of shorting stocks, lest any potential investor think them a traitor. [...]]]></description>
		<link>/you-must-be-an-independent-thinker/</link>
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		<title>Shorting stock</title>
		<description><![CDATA[Investors looking for a real thrill ride may be interested in shorting stock. Normally you purchase a stock at its current price and then sell it at some future date at an unknown price. You are hoping the future price is higher. Stock exchanges allow you to reverse the process; you can sell a stock [...]]]></description>
		<link>/shorting-stock/</link>
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	<item>
		<title>Largest U.S. savings will be victims of financial crisis</title>
		<description><![CDATA[In the night reached the financial crisis in the U.S. a new peak: The largest savings bank in the country collapsed. The government meanwhile is struggling to continue a plan to rescue the industry. The regulator (OTS) had in the night to Friday decided to Washington Mutual to close. Part of the savings bank group [...]]]></description>
		<link>/largest-us-savings-will-be-victims-of-financial-crisis/</link>
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