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	<title>Caraballo &#38; Associates &#187; money</title>
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	<link>http://caraballoassociates.com</link>
	<description>Coaching people through Credit and Financial Recovery</description>
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		<title>Facebook Friends&#8230;Interview with Toni King</title>
		<link>http://caraballoassociates.com/facebook-friends-interview-with-toni-king/</link>
		<comments>http://caraballoassociates.com/facebook-friends-interview-with-toni-king/#comments</comments>
		<pubDate>Wed, 20 Oct 2010 14:00:03 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Facebook Friends]]></category>
		<category><![CDATA[Social Media]]></category>
		<category><![CDATA[blog]]></category>
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		<category><![CDATA[philosophy]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=1168</guid>
		<description><![CDATA[I Have added a new series to my blog and it has everything to do with you. I am conducting audio interviews for me (and the world) to learn more about what you do and what you stand for. In this interview, I am speaking with Toni King! She has been an active facebook friend [...]]]></description>
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		<slash:comments>1</slash:comments>
<enclosure url="http://www.caraballoassociates.com/Audio_Caraballoassociates/Interview_with_Toni_King_about_sfbo_group.mp3" length="14609613" type="audio/mpeg" />
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		<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>
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		<category><![CDATA[education]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<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>
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		<category><![CDATA[philosophy]]></category>
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		<category><![CDATA[simple]]></category>
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		<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>
		<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>
		<category><![CDATA[work]]></category>

		<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>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>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 5</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 01:21:29 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[Loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Save money]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[training]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=979</guid>
		<description><![CDATA[So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 4</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-4/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-4/#comments</comments>
		<pubDate>Sun, 14 Mar 2010 04:40:12 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[Loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loans]]></category>
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		<category><![CDATA[mods]]></category>
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		<category><![CDATA[mortgage loan]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=963</guid>
		<description><![CDATA[If you are starting to think that this process is becoming long and drawn out, you&#8217;re right! By this time, we have had many calls, looked for much paperwork and basically we are just tired of the whole thing. We are not giving up though, especially because it seems that this is where most people [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-4/feed/</wfw:commentRss>
		<slash:comments>8</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>Financial Irresponsibility Can Be Expensive</title>
		<link>http://caraballoassociates.com/financial-irresponsibility-can-be-expensive/</link>
		<comments>http://caraballoassociates.com/financial-irresponsibility-can-be-expensive/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 02:01:05 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[expensive]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[irresponsibility]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Optimization]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[reduce costs]]></category>
		<category><![CDATA[responsible]]></category>
		<category><![CDATA[Save money]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://caraballoassociates.com/?p=655</guid>
		<description><![CDATA[I recently had a run-in with the law. I was stopped by a police officer for speeding. (I could end the lesson right here by telling you that if you stop speeding you can save yourself possibly hundreds if not thousands of dollars per year and be perfectly justified.) Lower pollution Less chance of accidents [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/financial-irresponsibility-can-be-expensive/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
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