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	<title>Caraballo &#38; Associates</title>
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	<link>http://caraballoassociates.com</link>
	<description>Coaching people through Credit and Financial Recovery</description>
	<lastBuildDate>Mon, 22 Feb 2010 01:22:17 +0000</lastBuildDate>
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		<title>Forget Your Why&#8230;Begin With Your Purpose!</title>
		<link>http://caraballoassociates.com/forget-your-why-begin-with-your-purpose/</link>
		<comments>http://caraballoassociates.com/forget-your-why-begin-with-your-purpose/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 01:22:17 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Inspiration]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[mission]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[purpose]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[training]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=906</guid>
		<description><![CDATA[
			
				
			
		
I recently read a post by a tribe member friend of mine, Mr. Paul Miller. The post was essentially asking How big You &#8220;why&#8221; was. Which you will undoubtedly run into if you study personal development for any length of time. It is a very important part of becoming a high-producing, high-achieving individual.
His post, which [...]]]></description>
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		<slash:comments>16</slash:comments>
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		<item>
		<title>The Importance of Blogging in Today&#8217;s Society</title>
		<link>http://caraballoassociates.com/the-importance-of-blogging-in-todays-society/</link>
		<comments>http://caraballoassociates.com/the-importance-of-blogging-in-todays-society/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 22:16:35 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Social Media]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[blogging]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[training]]></category>
		<category><![CDATA[twitter]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[websites]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=930</guid>
		<description><![CDATA[
			
				
			
		
I recently had an experience that convinced me that what I am doing here, with my blog and my message could potentially be very important. 
I attended a training/seminar that had to do with customer service in the field of employment services. It was an interesting, day-long seminar lead by a woman who had obviously [...]]]></description>
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		<slash:comments>15</slash:comments>
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		<item>
		<title>The Biggest Problem Credit Counseling Agencies (Part 1)</title>
		<link>http://caraballoassociates.com/the-biggest-problem-credit-counseling-agencies-part-1/</link>
		<comments>http://caraballoassociates.com/the-biggest-problem-credit-counseling-agencies-part-1/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 01:43:50 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[cccs]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[Save money]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=446</guid>
		<description><![CDATA[
			
				
			
		
These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc.
These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let our [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-biggest-problem-credit-counseling-agencies-part-1/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
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		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 3</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-3/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-3/#comments</comments>
		<pubDate>Sun, 07 Feb 2010 19:20:52 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[accept]]></category>
		<category><![CDATA[apply]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[problem mortgage]]></category>
		<category><![CDATA[rep]]></category>
		<category><![CDATA[Save money]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=883</guid>
		<description><![CDATA[
			
				
			
		
Welcome back to the 3rd part of our loan modification series.

Here is a quick recap of what we have covered thus far.

In part 1 we covered:

A brief explanation of the situation.
An explanation of basic rules to follow while going through the process.
The issues/pitfalls you may run into throughout the process.
Some of the more confusing aspects [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-3/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>The &#8220;Not So&#8221; Obvious Benefits of Joining a Social Media Tribe!</title>
		<link>http://caraballoassociates.com/the-not-so-obvious-benefits-of-joining-a-social-media-tribe/</link>
		<comments>http://caraballoassociates.com/the-not-so-obvious-benefits-of-joining-a-social-media-tribe/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 06:14:08 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Tribes]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[group]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[increase business]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[mastermind]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[Social Media]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[time management]]></category>
		<category><![CDATA[tribe]]></category>
		<category><![CDATA[tribe syndication]]></category>
		<category><![CDATA[websites]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=860</guid>
		<description><![CDATA[
			
				
			
		
I am sure you have all heard the words by now Tribe,  Social Media Tribe,  Tribe Syndication Group the list goes on and on.
If you have not, then here is a quick explanation. The idea of joining and working with a tribe is based on the simple concept of mastermind groups you may remember this [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-not-so-obvious-benefits-of-joining-a-social-media-tribe/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>My Official Apology to Stephen Covey</title>
		<link>http://caraballoassociates.com/my-official-apology-to-stephen-r-covey/</link>
		<comments>http://caraballoassociates.com/my-official-apology-to-stephen-r-covey/#comments</comments>
		<pubDate>Tue, 26 Jan 2010 02:34:23 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Inspiration]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[7 habits]]></category>
		<category><![CDATA[book review]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[stephen covey]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[training]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=852</guid>
		<description><![CDATA[
			
				
			
		
This is my official apology to Stephen R. Covey. The Best selling author of The 7 Habits of Highly Effective People
I am currently reading this book because it is required reading in a psychology class I am taking. When I first found out that this was the book that I had to read for the [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/my-official-apology-to-stephen-r-covey/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>The Simplest Way to Order Your Free Annual Credit Report</title>
		<link>http://caraballoassociates.com/the-simplest-way-to-order-your-free-annual-credit-report/</link>
		<comments>http://caraballoassociates.com/the-simplest-way-to-order-your-free-annual-credit-report/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 00:36:38 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[accuracy]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[order free report]]></category>
		<category><![CDATA[transunion]]></category>
		<category><![CDATA[website]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=820</guid>
		<description><![CDATA[
			
				
			
		
Here is the simplest way I have found to order your free annual credit report. I have included step by step instructions on how to do it.
The only site you should be using when ordering your free report should be https://www.annualcreditreport.com
Don&#8217;t go through any other sites that may have a mix of these words or other [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-simplest-way-to-order-your-free-annual-credit-report/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 2</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-2/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-2/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 04:39:23 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[Loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[trial period]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=806</guid>
		<description><![CDATA[
			
				
			
		
Ok, so last time I wrote about this I was left a little confused. I was not given clear information, everyone I spoke to gave me a different answer to the same question, etc. etc.
(Remember that I am sharing the story while at the same time what you see in italics and bold is me [...]]]></description>
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		<slash:comments>4</slash:comments>
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