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	<title>Caraballo &#38; Associates &#187; efficiency</title>
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	<link>http://caraballoassociates.com</link>
	<description>Coaching people through Credit and Financial Recovery</description>
	<lastBuildDate>Wed, 08 Sep 2010 02:05:37 +0000</lastBuildDate>
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		<title>Stop Looking At Your Watch!!!</title>
		<link>http://caraballoassociates.com/stop-looking-at-your-watch/</link>
		<comments>http://caraballoassociates.com/stop-looking-at-your-watch/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 02:05:37 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Productivity]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[The Personal]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[time management]]></category>
		<category><![CDATA[training]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=1147</guid>
		<description><![CDATA[I had an experience today which was closely followed by some kind of epiphany. Let me take you down the road of what developed: Today was my first day at a new office. It was exciting, you know, getting to meet new people, starting fresh in a new place. I had a feeling like it [...]]]></description>
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		<slash:comments>0</slash:comments>
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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>
		<category><![CDATA[family]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[inspiration]]></category>
		<category><![CDATA[long term]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[self improvement]]></category>
		<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>7</slash:comments>
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		<item>
		<title>Do You Have Too Much on Your Plate Or Your Mind?</title>
		<link>http://caraballoassociates.com/do-you-have-too-much-on-your-plate-or-your-mind/</link>
		<comments>http://caraballoassociates.com/do-you-have-too-much-on-your-plate-or-your-mind/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 02:53:30 +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[efficiency]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[philosophy]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[training]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=904</guid>
		<description><![CDATA[Does it seem that there are not enough hours in the day for you to do everything you want to get done? Do you ever reach the end of your day feeling exhausted and while you are reviewing your day, you find out that you got almost nothing done? How can this happen? You are [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<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>
		<category><![CDATA[philosophy]]></category>
		<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>
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		<slash:comments>2</slash:comments>
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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>15</slash:comments>
		</item>
		<item>
		<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, [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/forget-your-why-begin-with-your-purpose/feed/</wfw:commentRss>
		<slash:comments>17</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>
		<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 [...]]]></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>
		<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 [...]]]></description>
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		<slash:comments>10</slash:comments>
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