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	<title>Ritabo &#187; Best Personal Finance</title>
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	<link>http://www.ritabo.com</link>
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	<pubDate>Thu, 28 Aug 2008 00:18:03 +0000</pubDate>
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		<title>Save Money Easy Tips That Can Benefit You Right Now</title>
		<link>http://www.ritabo.com/save-money-easy-tips-that-can-benefit-you-right-now.php</link>
		<comments>http://www.ritabo.com/save-money-easy-tips-that-can-benefit-you-right-now.php#comments</comments>
		<pubDate>Wed, 27 Aug 2008 17:16:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/save-money-easy-tips-that-can-benefit-you-right-now.php</guid>
		<description><![CDATA[In many budgeting articles, you often see instructions that everyone should make a budget.  That approach appears imply that overspending means there is no budget in place.  It may be more helpful for people to gain input on how to realign a budget into one that makes more efficient use of their money. [...]]]></description>
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		<item>
		<title>A University Student\&#8217;s Guide to Avoiding Massive Student Debt While Attending College</title>
		<link>http://www.ritabo.com/a-university-students-guide-to-avoiding-massive-student-debt-while-attending-college.php</link>
		<comments>http://www.ritabo.com/a-university-students-guide-to-avoiding-massive-student-debt-while-attending-college.php#comments</comments>
		<pubDate>Wed, 27 Aug 2008 12:25:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/a-university-students-guide-to-avoiding-massive-student-debt-while-attending-college.php</guid>
		<description><![CDATA[While being a college student and earning a university degree, students tend to be broke all the time. In this consumer driven day and age, university students have to learn how to manage their money very quickly in order to limit their overall student debt or damage their credit rating. Since most college students are [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/a-university-students-guide-to-avoiding-massive-student-debt-while-attending-college.php/feed</wfw:commentRss>
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		<item>
		<title>Britons See Saving As \&#8217;Unaffordable\&#8217;</title>
		<link>http://www.ritabo.com/britons-see-saving-as-unaffordable.php</link>
		<comments>http://www.ritabo.com/britons-see-saving-as-unaffordable.php#comments</comments>
		<pubDate>Wed, 27 Aug 2008 06:45:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/britons-see-saving-as-unaffordable.php</guid>
		<description><![CDATA[The majority of Britons could be set to face financial pressures in later life, new figures suggest.
According to Birmingham Midshires Saving Britain report, some 55 per cent of adults do not think that they are currently earning enough money to allow them to put cash aside, which could consequently cause them to develop debt difficulties [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/britons-see-saving-as-unaffordable.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Personal Finance Budgeting - Secrets to Keep Your Budget on Track</title>
		<link>http://www.ritabo.com/personal-finance-budgeting-secrets-to-keep-your-budget-on-track.php</link>
		<comments>http://www.ritabo.com/personal-finance-budgeting-secrets-to-keep-your-budget-on-track.php#comments</comments>
		<pubDate>Tue, 26 Aug 2008 16:33:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/personal-finance-budgeting-secrets-to-keep-your-budget-on-track.php</guid>
		<description><![CDATA[Being disciplined when it comes to personal finance budgeting is a key component for anyone seeking financial freedom. Taking control of your finances is the first step to starting down the road to building the life you always wanted and the quickest and easiest way to do this is with a budget. The most critical [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/personal-finance-budgeting-secrets-to-keep-your-budget-on-track.php/feed</wfw:commentRss>
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		<item>
		<title>Individual Retirement Accounts - Not Just for Old Folks!</title>
		<link>http://www.ritabo.com/individual-retirement-accounts-not-just-for-old-folks.php</link>
		<comments>http://www.ritabo.com/individual-retirement-accounts-not-just-for-old-folks.php#comments</comments>
		<pubDate>Tue, 26 Aug 2008 15:02:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/individual-retirement-accounts-not-just-for-old-folks.php</guid>
		<description><![CDATA[If you\&#8217;re going to have a shot at a financially strong retirement, you need to have a well prepared retirement plan in advance.  In setting up such a plan, your choice of account type will be critical to your retirement financial future.  There are so many retirement accounts available that you can use [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/individual-retirement-accounts-not-just-for-old-folks.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Cut Extra Costs Out of Your Life</title>
		<link>http://www.ritabo.com/cut-extra-costs-out-of-your-life.php</link>
		<comments>http://www.ritabo.com/cut-extra-costs-out-of-your-life.php#comments</comments>
		<pubDate>Mon, 25 Aug 2008 11:41:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/cut-extra-costs-out-of-your-life.php</guid>
		<description><![CDATA[Life in America is trending towards becoming more and more expensive. Meanwhile, youre still making the same amount of money. Unexpected expenses and emergencies can drag down your finances making it seem impossible to stay afloat. So, youve consolidated your debt, taken out online payday loans to bridge the gap and you still need help [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/cut-extra-costs-out-of-your-life.php/feed</wfw:commentRss>
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		<item>
		<title>Tanning Beds Financing - 3 Tips to Get You Started</title>
		<link>http://www.ritabo.com/tanning-beds-financing-3-tips-to-get-you-started.php</link>
		<comments>http://www.ritabo.com/tanning-beds-financing-3-tips-to-get-you-started.php#comments</comments>
		<pubDate>Mon, 25 Aug 2008 00:51:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/tanning-beds-financing-3-tips-to-get-you-started.php</guid>
		<description><![CDATA[With tanning beds becoming an increasingly popular way for anyone looking to get a fast tan, many people are choosing to buy their own tanning bed for convenience and long term savings. For the average consumer, financing is the only option in obtaining one of these high cost commodities. Fortunately, there are tanning beds available [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/tanning-beds-financing-3-tips-to-get-you-started.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Plugging Up the Money Drain, Part I - Housing, Auto, &#38; Groceries</title>
		<link>http://www.ritabo.com/plugging-up-the-money-drain-part-i-housing-auto-groceries.php</link>
		<comments>http://www.ritabo.com/plugging-up-the-money-drain-part-i-housing-auto-groceries.php#comments</comments>
		<pubDate>Sun, 24 Aug 2008 20:06:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/plugging-up-the-money-drain-part-i-housing-auto-groceries.php</guid>
		<description><![CDATA[Could you free up an extra $200 in your monthly budget, or $300, or $500? Perhaps you think you cant, but what if you absolutely had to? Freeing up money each month would let you pay off a debt or pay for a new roof for your house. Let us look at how to save [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/plugging-up-the-money-drain-part-i-housing-auto-groceries.php/feed</wfw:commentRss>
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		<item>
		<title>Saving for Retirement - A Process for Change</title>
		<link>http://www.ritabo.com/saving-for-retirement-a-process-for-change.php</link>
		<comments>http://www.ritabo.com/saving-for-retirement-a-process-for-change.php#comments</comments>
		<pubDate>Sun, 24 Aug 2008 15:06:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/saving-for-retirement-a-process-for-change.php</guid>
		<description><![CDATA[In my last article, you might recall that I mentioned a process that I used to help me turn my life toward wealth.  Before I go into that process, however, I think it necessary to issue a caution.  Most of us have been conditioned, almost from birth, into the belief that we should [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/saving-for-retirement-a-process-for-change.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Why You Need Money Budgeting Software</title>
		<link>http://www.ritabo.com/why-you-need-money-budgeting-software.php</link>
		<comments>http://www.ritabo.com/why-you-need-money-budgeting-software.php#comments</comments>
		<pubDate>Sun, 24 Aug 2008 07:56:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/why-you-need-money-budgeting-software.php</guid>
		<description><![CDATA[With the credit card society we live in today keeping accurate track of expenditures is very important. People forget that they are spending money when using a credit card and in most cases those who use credit cards spend 18-20 percent more on a purchase then if they were using cash. In the end they [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/why-you-need-money-budgeting-software.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Commercial Business Loans-Envision your Financial Reasons</title>
		<link>http://www.ritabo.com/commercial-business-loans-envision-your-financial-reasons.php</link>
		<comments>http://www.ritabo.com/commercial-business-loans-envision-your-financial-reasons.php#comments</comments>
		<pubDate>Sun, 24 Aug 2008 03:31:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/commercial-business-loans-envision-your-financial-reasons.php</guid>
		<description><![CDATA[Growing flaunts of the financial status in the society, more and more people are trying to be a part of the countrys economy. Monetary is the problem of yesteryears. Provisions of the commercial business loans in the fiscal market have made the start up of individuals plan into a grand success. Now, the people who [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/commercial-business-loans-envision-your-financial-reasons.php/feed</wfw:commentRss>
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		<item>
		<title>Teaching Personal Finance - It\&#8217;s Your Financial Universe Not Mine</title>
		<link>http://www.ritabo.com/teaching-personal-finance-its-your-financial-universe-not-mine.php</link>
		<comments>http://www.ritabo.com/teaching-personal-finance-its-your-financial-universe-not-mine.php#comments</comments>
		<pubDate>Sat, 23 Aug 2008 22:36:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/teaching-personal-finance-its-your-financial-universe-not-mine.php</guid>
		<description><![CDATA[As a teacher once told us, we are all connected in one way or another. Money is no different. Money changes hands and flows through our global societies like water. Money or things of value, in its many forms, may be the physical blood we all need to survive. Knowing we need food, shelter, and [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/teaching-personal-finance-its-your-financial-universe-not-mine.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Borrowing To Fund Gambling Is \&#8217;Dangerous Spiral Into Debt\&#8217;</title>
		<link>http://www.ritabo.com/borrowing-to-fund-gambling-is-dangerous-spiral-into-debt.php</link>
		<comments>http://www.ritabo.com/borrowing-to-fund-gambling-is-dangerous-spiral-into-debt.php#comments</comments>
		<pubDate>Sat, 23 Aug 2008 15:46:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/borrowing-to-fund-gambling-is-dangerous-spiral-into-debt.php</guid>
		<description><![CDATA[Millions of Britons are borrowing money to go gambling, new figures indicate.
In research carried out by MoneyExpert, some 21 per cent of the money put on various bets and wagers across the country every month is sourced by going into debt or dipping into savings accounts. Overall, 14.3 million adults - about one in three [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/borrowing-to-fund-gambling-is-dangerous-spiral-into-debt.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Viatical Settlements - All You Need to Know</title>
		<link>http://www.ritabo.com/viatical-settlements-all-you-need-to-know.php</link>
		<comments>http://www.ritabo.com/viatical-settlements-all-you-need-to-know.php#comments</comments>
		<pubDate>Fri, 22 Aug 2008 10:06:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/viatical-settlements-all-you-need-to-know.php</guid>
		<description><![CDATA[The Definition of A Viatical Settlement
A Viatical Settlement is a financial transaction whereby the owner of life insurance policy sells that policy to an investor in exchange for a lump-sum payment. The viatical settlement investor can be either an individual investor or a corporate investor e.g. a viatical settlement company. The vast majority of viatical [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/viatical-settlements-all-you-need-to-know.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Save Money on Auto Insurance</title>
		<link>http://www.ritabo.com/save-money-on-auto-insurance.php</link>
		<comments>http://www.ritabo.com/save-money-on-auto-insurance.php#comments</comments>
		<pubDate>Fri, 22 Aug 2008 07:16:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/save-money-on-auto-insurance.php</guid>
		<description><![CDATA[Do you wish you could squeeze extra savings from your budget-without making any big sacrifices? Here\&#8217;s an idea you may not have thought of: Slash the premiums you pay to insure your home. Rates have risen so sharply in recent years that it may seem impossible to cut these back. But there are many ways.
Your [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/save-money-on-auto-insurance.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Eleven Ways to Save $100 a Week</title>
		<link>http://www.ritabo.com/eleven-ways-to-save-100-a-week.php</link>
		<comments>http://www.ritabo.com/eleven-ways-to-save-100-a-week.php#comments</comments>
		<pubDate>Fri, 22 Aug 2008 04:41:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/eleven-ways-to-save-100-a-week.php</guid>
		<description><![CDATA[What would you with an extra $100 lying around. Would you buy a new laptop or take an exotic vacation. Or perhaps just invest it. Lately Ive stopped dreaming about what I would do if I had more money and started looking for ways to actually get it. Below are eleven proven ways for you [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/eleven-ways-to-save-100-a-week.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>No Good Thing Lasts Forever - Except, Perhaps, Immediate Annuities</title>
		<link>http://www.ritabo.com/no-good-thing-lasts-forever-except-perhaps-immediate-annuities.php</link>
		<comments>http://www.ritabo.com/no-good-thing-lasts-forever-except-perhaps-immediate-annuities.php#comments</comments>
		<pubDate>Thu, 21 Aug 2008 07:51:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/no-good-thing-lasts-forever-except-perhaps-immediate-annuities.php</guid>
		<description><![CDATA[Most people will agree that nothing lasts forever, but a careful look at various investment options might yield an exception or two.  Rising health-care costs, inflation, and consumer prices are just a few of the variables that cause people to struggle to make ends meet these days.  Unusually low interest rates only exacerbate [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/no-good-thing-lasts-forever-except-perhaps-immediate-annuities.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Protecting Your Income</title>
		<link>http://www.ritabo.com/protecting-your-income.php</link>
		<comments>http://www.ritabo.com/protecting-your-income.php#comments</comments>
		<pubDate>Wed, 20 Aug 2008 09:41:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/protecting-your-income.php</guid>
		<description><![CDATA[Everyone has their own secrets that they use to protect, save, and make money; on the other hand, we still make dumb decisions and certainly dont know everything there is to know about finances. Imagine a world where everyone knew those little secrets, we could all be rich; then again, money would devalue itself, so [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/protecting-your-income.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Tips for Spending Your Tax Refund</title>
		<link>http://www.ritabo.com/tips-for-spending-your-tax-refund.php</link>
		<comments>http://www.ritabo.com/tips-for-spending-your-tax-refund.php#comments</comments>
		<pubDate>Wed, 20 Aug 2008 09:11:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/tips-for-spending-your-tax-refund.php</guid>
		<description><![CDATA[With the stress of April 15th now in the past, numerous Americans are fortunate enough to be receiving a tax refund check from Uncle Sam.  Facing this additional spurt of income, these individuals find themselves having to choose how they would like to spend those extra funds.  We have a few suggestions that [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/tips-for-spending-your-tax-refund.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>How to Save $4,600 on Your Next Car Purchase</title>
		<link>http://www.ritabo.com/how-to-save-4600-on-your-next-car-purchase.php</link>
		<comments>http://www.ritabo.com/how-to-save-4600-on-your-next-car-purchase.php#comments</comments>
		<pubDate>Wed, 20 Aug 2008 06:56:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/how-to-save-4600-on-your-next-car-purchase.php</guid>
		<description><![CDATA[Would you believe you can save $4,600 or more on the purchase of your next car without even starting negotiating? How would it make you feel to know you saved $4,600 without haggling. This sure fire method works on any car purchase. The larger the car the more you will save.
Here is how it works. [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/how-to-save-4600-on-your-next-car-purchase.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Test Your Personal Finances IQ With This Quick Quiz</title>
		<link>http://www.ritabo.com/test-your-personal-finances-iq-with-this-quick-quiz.php</link>
		<comments>http://www.ritabo.com/test-your-personal-finances-iq-with-this-quick-quiz.php#comments</comments>
		<pubDate>Mon, 18 Aug 2008 15:46:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/test-your-personal-finances-iq-with-this-quick-quiz.php</guid>
		<description><![CDATA[Managing your spending habits, saving sufficient funds and clearly seeing your personal financial situation are important elements in managing your personal finances correctly. This test will give you an idea whether you need some more help, or if you\&#8217;re on top of this important part of your life. (The answers are listed at the end [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/test-your-personal-finances-iq-with-this-quick-quiz.php/feed</wfw:commentRss>
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		<item>
		<title>How an Envelope Online Budgeting System Can Help You Take Control of Your Finances</title>
		<link>http://www.ritabo.com/how-an-envelope-online-budgeting-system-can-help-you-take-control-of-your-finances.php</link>
		<comments>http://www.ritabo.com/how-an-envelope-online-budgeting-system-can-help-you-take-control-of-your-finances.php#comments</comments>
		<pubDate>Sun, 17 Aug 2008 21:02:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/how-an-envelope-online-budgeting-system-can-help-you-take-control-of-your-finances.php</guid>
		<description><![CDATA[Have you ever felt that your hard-earned cash is slipping through your fingers? Are you genuinely surprised by how much money you and your family spend? Do you regularly run out of money before the end of the month? Are you racking up credit card debts to fund the difference between what you earn and [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/how-an-envelope-online-budgeting-system-can-help-you-take-control-of-your-finances.php/feed</wfw:commentRss>
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		<item>
		<title>How To Make Sense Of The Woes In The Subprime Market</title>
		<link>http://www.ritabo.com/how-to-make-sense-of-the-woes-in-the-subprime-market.php</link>
		<comments>http://www.ritabo.com/how-to-make-sense-of-the-woes-in-the-subprime-market.php#comments</comments>
		<pubDate>Sun, 17 Aug 2008 12:32:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/how-to-make-sense-of-the-woes-in-the-subprime-market.php</guid>
		<description><![CDATA[I decided to write this informational piece on the changes that are occurring in the subprime market due to the concerns regarding the increasing number of foreclosures throughout the country.  There are many factors that have contributed to the recent market conditions and the consumers are the ones who stand to lose the most [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/how-to-make-sense-of-the-woes-in-the-subprime-market.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Credit Cards Go Gimmicky</title>
		<link>http://www.ritabo.com/credit-cards-go-gimmicky.php</link>
		<comments>http://www.ritabo.com/credit-cards-go-gimmicky.php#comments</comments>
		<pubDate>Sun, 17 Aug 2008 03:17:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/credit-cards-go-gimmicky.php</guid>
		<description><![CDATA[Credit card companies are going all out to win over customers. There is such great competition in the credit card markets that the vendors have no other choice. There seem to be too many credit card providers, each of whom is offering scores of terrific credit card offers. Too much competition among the vendors results [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/credit-cards-go-gimmicky.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Grant Basics for Beginners</title>
		<link>http://www.ritabo.com/grant-basics-for-beginners.php</link>
		<comments>http://www.ritabo.com/grant-basics-for-beginners.php#comments</comments>
		<pubDate>Sun, 17 Aug 2008 00:32:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/grant-basics-for-beginners.php</guid>
		<description><![CDATA[Beginners to the granting process, whether for business or non-profit, are often intimidated by the hard work that it takes to write a grant application. It is hard work and it should be. No grantor wants their money wasted on a project that has poor planning and little or no effort invested into it by [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/grant-basics-for-beginners.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Who\&#8217;s in Charge of My Money?</title>
		<link>http://www.ritabo.com/whos-in-charge-of-my-money.php</link>
		<comments>http://www.ritabo.com/whos-in-charge-of-my-money.php#comments</comments>
		<pubDate>Sat, 16 Aug 2008 22:32:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/whos-in-charge-of-my-money.php</guid>
		<description><![CDATA[Do you get close to the end of the month and run out of money? Do you dream about a great vacation all year then look at your bank account only to discover there isn\&#8217;t any money to pay for it? Who took it all? You might be surprised to find out that you did. [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/whos-in-charge-of-my-money.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>What is Two Cycle Billing?</title>
		<link>http://www.ritabo.com/what-is-two-cycle-billing.php</link>
		<comments>http://www.ritabo.com/what-is-two-cycle-billing.php#comments</comments>
		<pubDate>Sat, 16 Aug 2008 14:51:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/what-is-two-cycle-billing.php</guid>
		<description><![CDATA[The term two cycle billing may not be common knowledge to all credit card users, but it is a concept that everyone should be aware of. Some issuers have been moving away from the average daily billing cycle and changing over to the two cycle way of calculating the interest earned on balances. Two cycle [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/what-is-two-cycle-billing.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Do You Have A Long Term Savings Plan?</title>
		<link>http://www.ritabo.com/do-you-have-a-long-term-savings-plan.php</link>
		<comments>http://www.ritabo.com/do-you-have-a-long-term-savings-plan.php#comments</comments>
		<pubDate>Fri, 15 Aug 2008 21:26:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/do-you-have-a-long-term-savings-plan.php</guid>
		<description><![CDATA[There are as many ways to save money as there are to spend it. Being able to live by that principle is key to saving money for the long term. Ultimately, implementing a long term saving plan is an integral part of any financial plan. Becoming a successful saver is all dependent upon the desire [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/do-you-have-a-long-term-savings-plan.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Fall Recorded In Financial Confidence</title>
		<link>http://www.ritabo.com/fall-recorded-in-financial-confidence.php</link>
		<comments>http://www.ritabo.com/fall-recorded-in-financial-confidence.php#comments</comments>
		<pubDate>Fri, 15 Aug 2008 09:11:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/fall-recorded-in-financial-confidence.php</guid>
		<description><![CDATA[The publics monetary confidence fell over the course of the second quarter of 2007 to 96 - the largest quarterly decrease noted so far. According to the financial services firm, the decline was due to the effects of five interest rate increases by the Bank of Englands monetary policy committee (MPC) over the last 12 [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/fall-recorded-in-financial-confidence.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>One In Three \&#8217;Unaware\&#8217; Of Interest Rates On Savings Schemes</title>
		<link>http://www.ritabo.com/one-in-three-unaware-of-interest-rates-on-savings-schemes.php</link>
		<comments>http://www.ritabo.com/one-in-three-unaware-of-interest-rates-on-savings-schemes.php#comments</comments>
		<pubDate>Fri, 15 Aug 2008 08:06:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/one-in-three-unaware-of-interest-rates-on-savings-schemes.php</guid>
		<description><![CDATA[Millions of Britons could be losing out on substantial returns through a lack of financial awareness, it has been suggested.
The news comes as research carried out by Investec Private Bank indicated that just under a third (29 per cent) of savers do not know what rate of interest they are getting for the money they [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/one-in-three-unaware-of-interest-rates-on-savings-schemes.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>The Power of Savings</title>
		<link>http://www.ritabo.com/the-power-of-savings.php</link>
		<comments>http://www.ritabo.com/the-power-of-savings.php#comments</comments>
		<pubDate>Thu, 14 Aug 2008 01:01:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/the-power-of-savings.php</guid>
		<description><![CDATA[Do you find yourself in debt often? Are you always hunting for strategies to afford luxuries? Do you fall short of cash every time you need something? If yes, you are amongst two kinds of people. The person who makes justifications and the second who is constantly hunting for savings strategies. Someone once said, It [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/the-power-of-savings.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Plan Your Financial Goals Or Get A Financial Planner To Help You!</title>
		<link>http://www.ritabo.com/plan-your-financial-goals-or-get-a-financial-planner-to-help-you.php</link>
		<comments>http://www.ritabo.com/plan-your-financial-goals-or-get-a-financial-planner-to-help-you.php#comments</comments>
		<pubDate>Wed, 13 Aug 2008 18:21:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/plan-your-financial-goals-or-get-a-financial-planner-to-help-you.php</guid>
		<description><![CDATA[Times are changing very rapidly that it is difficult to catch up. You can only survive in this competitive world if you are constantly paced with time. In a matter of minutes, you may lose your job, your money and your life will become miserable if you do have a concrete plan on your financial [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/plan-your-financial-goals-or-get-a-financial-planner-to-help-you.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Recommended College Financing Option for Parents</title>
		<link>http://www.ritabo.com/recommended-college-financing-option-for-parents.php</link>
		<comments>http://www.ritabo.com/recommended-college-financing-option-for-parents.php#comments</comments>
		<pubDate>Wed, 13 Aug 2008 15:21:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/recommended-college-financing-option-for-parents.php</guid>
		<description><![CDATA[Parents of college students would like to see their child succeed in school. A college degree brings the benefits of higher pay, better career, and a more stable life. But the cost for a college education can be enormous. The annual cost to attend an in-state public school averages $16,000 or more; $26,000 for out-of-state [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/recommended-college-financing-option-for-parents.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Are You Saving too Much for a Rainy Day?</title>
		<link>http://www.ritabo.com/are-you-saving-too-much-for-a-rainy-day.php</link>
		<comments>http://www.ritabo.com/are-you-saving-too-much-for-a-rainy-day.php#comments</comments>
		<pubDate>Wed, 13 Aug 2008 08:36:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/are-you-saving-too-much-for-a-rainy-day.php</guid>
		<description><![CDATA[Saving for a rainy day, (or house, holiday, car or college fund), is something that we are generally encouraged to do, but the problem with saving money is that its not as fun as spending it!\r 
\r There is a school of thought which suggests that people who are saving as much as the financial [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/are-you-saving-too-much-for-a-rainy-day.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>The Personal Financial Budget is the Door to Financial Freedom</title>
		<link>http://www.ritabo.com/the-personal-financial-budget-is-the-door-to-financial-freedom.php</link>
		<comments>http://www.ritabo.com/the-personal-financial-budget-is-the-door-to-financial-freedom.php#comments</comments>
		<pubDate>Tue, 12 Aug 2008 02:41:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/the-personal-financial-budget-is-the-door-to-financial-freedom.php</guid>
		<description><![CDATA[Personal financial well being has as its core concept a personal financial budget. This type of financial budget is information made up of your income and expenses and the more accurate this information the easier it will be for you to meet your monetary goals and realize your dreams.
People who are good at personal finance [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/the-personal-financial-budget-is-the-door-to-financial-freedom.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Budgeting</title>
		<link>http://www.ritabo.com/budgeting.php</link>
		<comments>http://www.ritabo.com/budgeting.php#comments</comments>
		<pubDate>Tue, 12 Aug 2008 01:36:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/budgeting.php</guid>
		<description><![CDATA[Many people have asked me if I have a budget for my family every month. The answer to that is no. I don\&#8217;t believe in having a budget because it is like why many people fail to lose weight. People fail to lose weight because they set up too much at one time a expect [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/budgeting.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Want To See Your Credit Score Improving?</title>
		<link>http://www.ritabo.com/want-to-see-your-credit-score-improving.php</link>
		<comments>http://www.ritabo.com/want-to-see-your-credit-score-improving.php#comments</comments>
		<pubDate>Mon, 11 Aug 2008 06:11:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/want-to-see-your-credit-score-improving.php</guid>
		<description><![CDATA[You could see your credit score improving quickly if you follow the advice of Terry Price.  In fact by employing his methods you could see your credit score improving by up to 249 points in less than 90 days!
In the US, credit scores are calculated on a scale from 300 to 850.  With [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/want-to-see-your-credit-score-improving.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Finding a Financial Planner</title>
		<link>http://www.ritabo.com/finding-a-financial-planner.php</link>
		<comments>http://www.ritabo.com/finding-a-financial-planner.php#comments</comments>
		<pubDate>Sun, 10 Aug 2008 19:46:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/finding-a-financial-planner.php</guid>
		<description><![CDATA[With the recent plunge in the stock market many people who have\r been subject to losses have decided they need an expert to help them\r with their investment portfolio.
It is not nice, but the truth is about 98% of them have no clue on how\r to protect client funds. Yes, they can help with allocation [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/finding-a-financial-planner.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Finding The Best Debt Solutions For You</title>
		<link>http://www.ritabo.com/finding-the-best-debt-solutions-for-you.php</link>
		<comments>http://www.ritabo.com/finding-the-best-debt-solutions-for-you.php#comments</comments>
		<pubDate>Sun, 10 Aug 2008 01:36:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/finding-the-best-debt-solutions-for-you.php</guid>
		<description><![CDATA[For the most part none of us actually go out with the intention of getting into debt and for that reason not many of us have considered how to get out of debt. Unfortunately it has become an regular occurrence in today\&#8217;s society that at some point we get in a bind and need to [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/finding-the-best-debt-solutions-for-you.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>7 Cash Flow Steps to a Healthy Budget</title>
		<link>http://www.ritabo.com/7-cash-flow-steps-to-a-healthy-budget.php</link>
		<comments>http://www.ritabo.com/7-cash-flow-steps-to-a-healthy-budget.php#comments</comments>
		<pubDate>Sat, 09 Aug 2008 23:11:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/7-cash-flow-steps-to-a-healthy-budget.php</guid>
		<description><![CDATA[The word budget can strike fear into even the strongest of people. If there is one thing very few people are ready for when they leave the safety of home for the first time it is dealing with money. There are not too many people who even know how to balance their checkbook after they [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/7-cash-flow-steps-to-a-healthy-budget.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Why Does Term Life Insurance Make The Most Sense?</title>
		<link>http://www.ritabo.com/why-does-term-life-insurance-make-the-most-sense.php</link>
		<comments>http://www.ritabo.com/why-does-term-life-insurance-make-the-most-sense.php#comments</comments>
		<pubDate>Sat, 09 Aug 2008 23:06:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/why-does-term-life-insurance-make-the-most-sense.php</guid>
		<description><![CDATA[Sorry to say it but the advice you get from life insurance salespeople is often wrong for you. Lets not debate the need for life insurance.  If you have obligations that will not be satisfied in the event of your premature and untimely death, then you definitely need life insurance. Unfortunately, there are a [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/why-does-term-life-insurance-make-the-most-sense.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Bank Pass Book or Bank Statement</title>
		<link>http://www.ritabo.com/bank-pass-book-or-bank-statement.php</link>
		<comments>http://www.ritabo.com/bank-pass-book-or-bank-statement.php#comments</comments>
		<pubDate>Sat, 09 Aug 2008 16:56:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/bank-pass-book-or-bank-statement.php</guid>
		<description><![CDATA[The bank gives to its customers a pass book or a statement of account. Pass book or statement of account is a copy of the customers account in the books of the bank. The bank keeps the customer informed of the entries made in its books. The customer is expected to compare the pass book [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/bank-pass-book-or-bank-statement.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Save Money With Pricing Secrets</title>
		<link>http://www.ritabo.com/save-money-with-pricing-secrets.php</link>
		<comments>http://www.ritabo.com/save-money-with-pricing-secrets.php#comments</comments>
		<pubDate>Fri, 08 Aug 2008 22:16:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/save-money-with-pricing-secrets.php</guid>
		<description><![CDATA[If you want to save money on that next purchase, it can help to know the pricing secrets of retailers. Here are a couple of those secrets.
The Minimum Advertised Price
Pricing may not make much sense at first look. Why, for example, does whole wheat pasta cost three times as much as regular pasta, when regular [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/save-money-with-pricing-secrets.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Reasons Why People Should Invest On The Stock Market</title>
		<link>http://www.ritabo.com/reasons-why-people-should-invest-on-the-stock-market.php</link>
		<comments>http://www.ritabo.com/reasons-why-people-should-invest-on-the-stock-market.php#comments</comments>
		<pubDate>Fri, 08 Aug 2008 02:31:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/reasons-why-people-should-invest-on-the-stock-market.php</guid>
		<description><![CDATA[I am a bit of a gambler but am not the normal type of punter who you may see in the bookmakers on a Saturday afternoon. I am the kind of gambler who only likes to bet on what you might call a racing certainty. I love the thrill of all things to do with [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/reasons-why-people-should-invest-on-the-stock-market.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Working With A Financial Planner</title>
		<link>http://www.ritabo.com/working-with-a-financial-planner.php</link>
		<comments>http://www.ritabo.com/working-with-a-financial-planner.php#comments</comments>
		<pubDate>Thu, 07 Aug 2008 07:31:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/working-with-a-financial-planner.php</guid>
		<description><![CDATA[More and more people are meeting with a financial planner or advisor.  They are not for the very wealthy anymore.  Perhaps you need a check-up on your current finances or you want to make sure you have enough to retire or you need someone to manage your money or you have a life [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/working-with-a-financial-planner.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>Is Insurance an Investment or Expense?</title>
		<link>http://www.ritabo.com/is-insurance-an-investment-or-expense.php</link>
		<comments>http://www.ritabo.com/is-insurance-an-investment-or-expense.php#comments</comments>
		<pubDate>Thu, 07 Aug 2008 05:56:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/is-insurance-an-investment-or-expense.php</guid>
		<description><![CDATA[You can put it in different places on your financial statements and argue technically both
 ways so we wont debate that here.You can ask various experts and they will advise you one way or the other based on their experience and their frame of reference so that wont give us an answer.
 When you look [...]]]></description>
		<wfw:commentRss>http://www.ritabo.com/is-insurance-an-investment-or-expense.php/feed</wfw:commentRss>
		</item>
		<item>
		<title>The Best Way to Invest for a College Education</title>
		<link>http://www.ritabo.com/the-best-way-to-invest-for-a-college-education.php</link>
		<comments>http://www.ritabo.com/the-best-way-to-invest-for-a-college-education.php#comments</comments>
		<pubDate>Wed, 06 Aug 2008 22:51:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/the-best-way-to-invest-for-a-college-education.php</guid>
		<description><![CDATA[With all the talks of Educational IRA plans, 529 plans, student loans, educational trust funds and etcetera and etcetera, why not take on a more active role in your childs education? If you havent already known, colleges provide financial aid to students based on need AND qualifications. Simply put, in addition to financial need, colleges [...]]]></description>
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		<title>Financially Healthy Holidays</title>
		<link>http://www.ritabo.com/financially-healthy-holidays.php</link>
		<comments>http://www.ritabo.com/financially-healthy-holidays.php#comments</comments>
		<pubDate>Wed, 06 Aug 2008 14:46:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/financially-healthy-holidays.php</guid>
		<description><![CDATA[As the holiday season is a tough time to keep your finances in check, there are a few things you can do to keep your cool during the holiday season, stay out of debt and actually keep some of your money for yourself.  Wouldn&#8217;t that be nice?
Shopping
 Before you even hit the stores, start [...]]]></description>
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		<item>
		<title>Brits &#8216;Not Thinking Enough&#8217; About Finances</title>
		<link>http://www.ritabo.com/brits-not-thinking-enough-about-finances.php</link>
		<comments>http://www.ritabo.com/brits-not-thinking-enough-about-finances.php#comments</comments>
		<pubDate>Wed, 06 Aug 2008 13:26:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/brits-not-thinking-enough-about-finances.php</guid>
		<description><![CDATA[Millions of Britons could be set for financial hardship in later life, it has been suggested.
According to research released by Baring Asset Management, 33 per cent of British adults - some 15.1 million people - are currently not putting any money into pension schemes, which could consequently see them struggle to manage their finances as [...]]]></description>
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		<title>Advice On Financial Planning Factors</title>
		<link>http://www.ritabo.com/advice-on-financial-planning-factors.php</link>
		<comments>http://www.ritabo.com/advice-on-financial-planning-factors.php#comments</comments>
		<pubDate>Tue, 05 Aug 2008 17:16:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Best Personal Finance]]></category>

		<guid isPermaLink="false">http://www.ritabo.com/advice-on-financial-planning-factors.php</guid>
		<description><![CDATA[Many people aim to reach their dreams of becoming wealthy to be financially secured and to be able to retire from their jobs with comfort. However these dreams are hard to achieve for most people. The reason is because of the factors that affect financial planning which usually results from money mishandling situations. Lets go [...]]]></description>
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