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	<title>Caraballo &#38; Associates &#187; assistance</title>
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	<link>http://caraballoassociates.com</link>
	<description>Coaching people through Credit and Financial Recovery</description>
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		<title>One Item a Day&#8230;At Least</title>
		<link>http://caraballoassociates.com/one-item-a-day-at-least/</link>
		<comments>http://caraballoassociates.com/one-item-a-day-at-least/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 09:10:01 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Inspiration]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[The Personal]]></category>
		<category><![CDATA[aspirations]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
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		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
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		<category><![CDATA[short term]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=1119</guid>
		<description><![CDATA[With so many roles that we tend to play in this day and age, it seems increasingly difficult to find the time to work on our short-term and long term goals. It seems more and more like we end up working on what we HAVE to instead on what we WANT to work on. If [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>My Secret Weapon for Credit Repair (At Least One of Them)</title>
		<link>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/</link>
		<comments>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 14:00:39 +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[assistance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[reduce costs]]></category>
		<category><![CDATA[Save money]]></category>
		<category><![CDATA[training]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=497</guid>
		<description><![CDATA[For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 6 (FINAL)</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 14:00:57 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[education]]></category>
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		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[Loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[monthly payment]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgage modification]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=1050</guid>
		<description><![CDATA[I feel like I have writing this series for a year. Actually it has been close to half a year. My first post on this subject was in November of &#8217;09. I actually started looking into it a few months before and sat on the decision for a while before I decided to take the [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		<item>
		<title>The Biggest Problems with Credit Counseling Agencies (Part 3)</title>
		<link>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/</link>
		<comments>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/#comments</comments>
		<pubDate>Mon, 24 May 2010 14:00:03 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Optimization]]></category>
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		<category><![CDATA[priorities]]></category>
		<category><![CDATA[Save money]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[time management]]></category>
		<category><![CDATA[training]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=1004</guid>
		<description><![CDATA[The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>The Biggest Problems with Credit Counseling Agencies (Part 2)</title>
		<link>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/</link>
		<comments>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 14:00:12 +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[assistance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[training]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=929</guid>
		<description><![CDATA[Now that we know what these programs are, let&#8217;s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
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		<title>How I Tame the Tribe Syndication &#8220;Monster&#8221; with Google Reader!</title>
		<link>http://caraballoassociates.com/how-i-tame-the-tribe-syndication-monster-with-google-reader/</link>
		<comments>http://caraballoassociates.com/how-i-tame-the-tribe-syndication-monster-with-google-reader/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 12:37:17 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Social Media]]></category>
		<category><![CDATA[Tribes]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[google]]></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[online]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[syndication]]></category>
		<category><![CDATA[time management]]></category>
		<category><![CDATA[tribe]]></category>
		<category><![CDATA[websites]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=956</guid>
		<description><![CDATA[My &#8220;tribe&#8221; is getting larger these days and it is becoming increasingly difficult to keep up with all the blogs and posts that are out there. I believe I found the perfect tool for the job. It&#8217;s Google Reader! In this first video, I share a few of the features that I most like about [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/how-i-tame-the-tribe-syndication-monster-with-google-reader/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>The Problem With Credit Counseling Agencies (Part 1)</title>
		<link>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/</link>
		<comments>http://caraballoassociates.com/the-problem-with-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>
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		<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 [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/feed/</wfw:commentRss>
		<slash:comments>17</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>
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		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[mastermind]]></category>
		<category><![CDATA[Optimization]]></category>
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		<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 [...]]]></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>
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