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		<link>http://www.debt-manager.us</link>
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			<link>http://www.debt-manager.us</link>
			<description>Joomla! site syndication</description>
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			<title>Impact Of Credit Counseling on Consumer Credit and Debt Payment Behavior</title>
			<link>http://www.debt-manager.us/credit-counseling/credit-counciling-payment-behavior.html</link>
			<description>Strong evidence exists that credit counseling affects consumer credit usage and payment behavior in a positive way. Borrowers who received this form of budget/financial counseling reduced their debt and improved their credit profile over three subsequent years, compared to similar borrowers who did not receive counseling.</description>
			<category>Credit Cards - credit counseling</category>
			<pubDate>Mon, 21 Jan 2008 21:27:05 +0100</pubDate>
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			<title>PayCycle has earned PC Magazine's highest rating</title>
			<link>http://www.debt-manager.us/debt-management-software/paycycle-has-earned-pc-magazines-highest-rating.html</link>
			<description>PayCycle has earned PC Magazine&amp;#39;s highest rating.  SurePayroll is a very close competitor, but PayCycle is stronger in areas like setup, reporting, and price. It provides a clear processing path from start to finish and does so in great depth and with the needed flexibility. The good: Easy for beginners; inexpensive; good employer controls for tax payments; files tax forms for the feds and for 22 states electronically; useful for restaurants and contractors. The bad: Can&amp;#39;t import data from QuickBooks or other accounting apps. The bottom line: PayCycle serves businesses with an affordable, easy-to-learn online payroll system. </description>
			<category>Debt Management - accounting software</category>
			<pubDate>Mon, 21 Jan 2008 02:51:40 +0100</pubDate>
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			<title>Protecting your personal information</title>
			<link>http://www.debt-manager.us/identity-theft/protecting-personal-information.html</link>
			<description>Identity theft is the fastest growing crime on the planet. Protecting your personal information is becoming more and more important. Learn how to protect yourself from identity theft.</description>
			<category>Identity Theft - Identity Theft</category>
			<pubDate>Mon, 24 Dec 2007 08:01:18 +0100</pubDate>
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			<title>student credit cards</title>
			<link>http://www.debt-manager.us/credit-cards/student-credit-cards.html</link>
			<description>A lot of companies and banks that offer student credit cards will normally need a co-signer as a form of insurance or collateral.  This person will sign on the loan with the student, and will be the person the company falls back on if the student is unable to pay the bill.  Normally a parent or guardian, the co-signer is considered to be back up and a peace of mind for the issuer of the student credit card, but if you are the co-signer, BEWARE, because your good  credit will be affected and you will have to pay if the student can&amp;rsquo;t.</description>
			<category>Credit Cards - Credit Cards</category>
			<pubDate>Mon, 24 Dec 2007 06:14:11 +0100</pubDate>
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			<title>Air Mile Credit Cards</title>
			<link>http://www.debt-manager.us/credit-cards/air-mile-credit-cards.html</link>
			<description>Air mile credit cards give you points or miles with every purchase you make, which you can redeem for traveling related expenses.  In most cases, you can use your points or miles to get a free airline ticket to travel to a destination of your choice.  Frequent flyers can use credit cards that offer miles or points to purchase their other flights to redeem the reward even faster.</description>
			<category>Credit Cards - Credit Cards</category>
			<pubDate>Mon, 24 Dec 2007 06:01:44 +0100</pubDate>
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