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	<title>Personal Finance Journey &#187; Banking</title>
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	<link>http://personalfinancejourney.com</link>
	<description>How I learnt to Save money, Manage finances and Organise spending based on my Personal Finance Journey.</description>
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		<item>
		<title>Payday Loan Alternatives &#8211; Heard of Peer to Peer lending?</title>
		<link>http://personalfinancejourney.com/2012/11/payday-loan-alternatives-heard-of-peer-to-peer-lending/</link>
		<comments>http://personalfinancejourney.com/2012/11/payday-loan-alternatives-heard-of-peer-to-peer-lending/#comments</comments>
		<pubDate>Mon, 12 Nov 2012 05:50:47 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[http://personalfinancejourney.com/]]></category>
		<category><![CDATA[journey]]></category>
		<category><![CDATA[Payday Loan Alternatives]]></category>
		<category><![CDATA[Peer to Peer lending]]></category>
		<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=2006</guid>
		<description><![CDATA[Payday Loan Alternatives If you need to borrow money, for whatever the reason, there are a lot of payday loan alternatives that you should consider when borrowing.  Payday loans are typically very short term loans, so depending on your needs and situation, there may be better lending alternatives out there for you. Peer to Peer [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2012/11/payday-loan-alternatives-heard-of-peer-to-peer-lending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Does Corporate Finance Differ From Normal Finance</title>
		<link>http://personalfinancejourney.com/2012/07/how-does-corporate-finance-differ-from-normal-finance/</link>
		<comments>http://personalfinancejourney.com/2012/07/how-does-corporate-finance-differ-from-normal-finance/#comments</comments>
		<pubDate>Thu, 19 Jul 2012 02:40:59 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=1903</guid>
		<description><![CDATA[When many people think of corporate finance, they probably think about their own personal finance on steroids.  For example, instead of paying monthly bills like a mortgage, corporations have to make thousands of different payments per day, to hundreds of different companies.  Or instead of just having a saving account, corporations have huge savings accounts [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2012/07/how-does-corporate-finance-differ-from-normal-finance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How People Buy Real Estate with &#8220;No Money Down&#8221;</title>
		<link>http://personalfinancejourney.com/2012/01/how-people-buy-real-estate-with-no-money-down/</link>
		<comments>http://personalfinancejourney.com/2012/01/how-people-buy-real-estate-with-no-money-down/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 16:29:22 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Save Money]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=1319</guid>
		<description><![CDATA[I call it pre-coffee ergophobia. It&#8217;s that 30 minute window between the time the coffee begins brewing until the time when the coffee has fully stimulated all of the neurons in your brain. During that time, you&#8217;re awake but still fearful of doing any type of work which might require brainpower. It&#8217;s also the time [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2012/01/how-people-buy-real-estate-with-no-money-down/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>No Thanks, I won&#8217;t be opting in for overdraft protection</title>
		<link>http://personalfinancejourney.com/2010/09/no-thanks-i-wont-be-opting-in-for-overdraft-protection/</link>
		<comments>http://personalfinancejourney.com/2010/09/no-thanks-i-wont-be-opting-in-for-overdraft-protection/#comments</comments>
		<pubDate>Thu, 23 Sep 2010 17:55:25 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=974</guid>
		<description><![CDATA[Banks and Credit cards are really pushing hard for us to opt-in for overdraft and over-the-limit protection. Before the recent CARD laws were passed, these &#8220;services&#8221; were the default on most accounts. Now, financial institutions are encouraging us to opt-in. My answer? Thanks&#8230;but, NO THANKS! Here is an email I just received. Of course, it [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2010/09/no-thanks-i-wont-be-opting-in-for-overdraft-protection/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Rank my Banks</title>
		<link>http://personalfinancejourney.com/2010/07/rank-my-banks/</link>
		<comments>http://personalfinancejourney.com/2010/07/rank-my-banks/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 14:24:50 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=926</guid>
		<description><![CDATA[Personal Finance Journey is a partner in GRABBBR, that is Giveaway Reaching All Bible Based Blog Readers. This is my featured GRABBBR blog post. By leaving a comment on this post, you will gain 5 ENTRY POINTS and may win cash or prizes. Discussion is encouraged! However, only 1 comment per person will be counted [...]]]></description>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Ugh Overdraft!</title>
		<link>http://personalfinancejourney.com/2010/07/ugh-overdraft/</link>
		<comments>http://personalfinancejourney.com/2010/07/ugh-overdraft/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 13:18:04 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[overdraft]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=911</guid>
		<description><![CDATA[It is so important to watch those bank accounts, especially if you have any accounts that you don&#8217;t use that often! Here&#8217;s the story: Part of my car insurance claim from April&#8217;s accident includes tax and title reimbursement on a new vehicle purchase. Since this check came after I moved, I had to relay my [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2010/07/ugh-overdraft/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Finding your benefits with a VA Loan</title>
		<link>http://personalfinancejourney.com/2010/06/finding-your-benefits-with-a-va-loan/</link>
		<comments>http://personalfinancejourney.com/2010/06/finding-your-benefits-with-a-va-loan/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 14:09:29 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=786</guid>
		<description><![CDATA[This is a guest post from Adam Gibson, author of Accrued Interest, a popular financial world blog. Check out Accrued Interest for the latest on the bond market, treasuries, mortgages and other financial news. With World War II still raging, the U.S. government created a unique home lending program to help spur home ownership among [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Finance a Vehicle without GAP Insurance</title>
		<link>http://personalfinancejourney.com/2010/05/dont-finance-a-vehicle-without-gap-insurance/</link>
		<comments>http://personalfinancejourney.com/2010/05/dont-finance-a-vehicle-without-gap-insurance/#comments</comments>
		<pubDate>Wed, 19 May 2010 13:14:31 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=759</guid>
		<description><![CDATA[According to CNW Marketing Research, 70.5 percent of people finance their cars. Those with higher interest rates, longer loan terms (60 months or more), and little to no down payment may find themselves in a situation where they are underwater with their vehicle. In other words, more is owed on the vehicle than it is [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2010/05/dont-finance-a-vehicle-without-gap-insurance/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Ask the Readers: Help Me Purchase a Slightly Used Car</title>
		<link>http://personalfinancejourney.com/2010/05/ask-the-readers-help-me-purchase-a-slightly-used-car/</link>
		<comments>http://personalfinancejourney.com/2010/05/ask-the-readers-help-me-purchase-a-slightly-used-car/#comments</comments>
		<pubDate>Wed, 05 May 2010 10:45:04 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[a]]></category>
		<category><![CDATA[ask the readers]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[slightly]]></category>
		<category><![CDATA[used]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=666</guid>
		<description><![CDATA[OK friends, here’s the deal, my financial journey is taking one of those unexpected sharp turns. I was rear ended by a drunk driver on Friday night and my car is going to be totaled. Fortunately, I have all the right types of insurance (uninsured motorist &#38; GAP) so my out of pocket expenses should [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2010/05/ask-the-readers-help-me-purchase-a-slightly-used-car/feed/</wfw:commentRss>
		<slash:comments>31</slash:comments>
		</item>
		<item>
		<title>The Difference between VA and FHA loans</title>
		<link>http://personalfinancejourney.com/2010/04/the-difference-between-va-and-fha-loans/</link>
		<comments>http://personalfinancejourney.com/2010/04/the-difference-between-va-and-fha-loans/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 13:33:33 +0000</pubDate>
		<dc:creator>Mike</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://personalfinancejourney.com/?p=601</guid>
		<description><![CDATA[A couple weeks ago, I wrote about the upcoming FHA loan insurer increase. While the premiums have increased, an FHA insured loan is still a good option for home buyers. However, if you qualify, there is a better option. The VA loan is a mortgage loan backed by the U.S. Department of Veteran Affairs. The [...]]]></description>
		<wfw:commentRss>http://personalfinancejourney.com/2010/04/the-difference-between-va-and-fha-loans/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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