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	<title>Rupeetalk-Personal Finance Blog</title>
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	<description>Personal Finance blog</description>
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		<title>Types of loan: secured,unsecured, long term and short term loans</title>
		<link>http://www.rupeetalk.com/blog/tyes-of-loans-securedunsecured-long-term-and-short-term-loans/</link>
		<comments>http://www.rupeetalk.com/blog/tyes-of-loans-securedunsecured-long-term-and-short-term-loans/#comments</comments>
		<pubDate>Fri, 14 May 2010 10:08:56 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Loan]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=1011</guid>
		<description><![CDATA[
			
				
			
		
What is an unsecured loan?

An unsecured loan is a loan that is not backed by collateral or security. These loans are based solely upon the borrower&#8217;s credit rating. As a result, they are often much more difficult to get than a secured loan, which also factors in the borrower&#8217;s income. An unsecured loan carries less [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/tyes-of-loans-securedunsecured-long-term-and-short-term-loans/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How to avoid high annual fee by converting your credit card to life time free credit card</title>
		<link>http://www.rupeetalk.com/blog/how-to-avoid-high-annual-fee-by-converting-your-credit-card-to-life-time-free-credit-card/</link>
		<comments>http://www.rupeetalk.com/blog/how-to-avoid-high-annual-fee-by-converting-your-credit-card-to-life-time-free-credit-card/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:59:24 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=986</guid>
		<description><![CDATA[
			
				
			
		
Getting a credit card is not all; one also needs to be well versed with its working so as not to get hit financially. Among all, dealings with the fees and charges present on the card require more attention. Every cardholder wants to ensure that he/she pays minimum amount when it comes to the fees [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/how-to-avoid-high-annual-fee-by-converting-your-credit-card-to-life-time-free-credit-card/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Understanding the components of credit card statement &#8211; statement due date, minimum amount due, interest due, credit limit</title>
		<link>http://www.rupeetalk.com/blog/understanding-components-credit-card-statement-statement-due-date-minimum-amount-due-interest-due-credit-limit/</link>
		<comments>http://www.rupeetalk.com/blog/understanding-components-credit-card-statement-statement-due-date-minimum-amount-due-interest-due-credit-limit/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:28:48 +0000</pubDate>
		<dc:creator>satkam</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=981</guid>
		<description><![CDATA[
			
				
			
		
We might have become accustomed to using a credit card, but the same cannot be said about reading our card statement. We still feel stumped about certain terms or part or information in the statement. A credit card statement presents the summary of various expenses and payments made on a card in a month. Thus [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/understanding-components-credit-card-statement-statement-due-date-minimum-amount-due-interest-due-credit-limit/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is the difference between credit card and debit card</title>
		<link>http://www.rupeetalk.com/blog/difference-credit-card-debit-card/</link>
		<comments>http://www.rupeetalk.com/blog/difference-credit-card-debit-card/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:14:11 +0000</pubDate>
		<dc:creator>Himanshu Sareen</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=975</guid>
		<description><![CDATA[
			
				
			
		
Shailesh, 26, earns Rs 80,000 per month and saves almost half of the salary. He owns an International Gold debit card and two credit cards. When it comes to purchase, Shailesh prefers to swipe credit card instead of the debit card. One day, his eyes fell on a mobile phone and he took instant liking [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Various charges associated with credit cards and how to minimise them</title>
		<link>http://www.rupeetalk.com/blog/charges-credit-cards-minimise/</link>
		<comments>http://www.rupeetalk.com/blog/charges-credit-cards-minimise/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 12:01:09 +0000</pubDate>
		<dc:creator>satkam</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=971</guid>
		<description><![CDATA[
			
				
			
		
After receiving a statement of credit card, the first thought that comes to our mind is what charges we are going to pay this time. We have anticipated a certain amount due on the card, but the statement tells a different story. There is a huge difference between the amount we have expected and the [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Should you get multiple credit cards from the same bank?</title>
		<link>http://www.rupeetalk.com/blog/multiple-credit-cards-bank/</link>
		<comments>http://www.rupeetalk.com/blog/multiple-credit-cards-bank/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 11:35:19 +0000</pubDate>
		<dc:creator>satkam</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=969</guid>
		<description><![CDATA[
			
				
			
		
It is easy and convenient for an individual to take multiple credit cards from a single bank. And then there are other benefits too. Your longstanding relationship with the bank fetches you some rewards, and there is also familiarity with the dealings and ease of payments. But not everything is positive about this arrangement.
Rajiv, a [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to select a fixed period low interest rate home loan</title>
		<link>http://www.rupeetalk.com/blog/select-fixed-period-interest-rate-home-loan/</link>
		<comments>http://www.rupeetalk.com/blog/select-fixed-period-interest-rate-home-loan/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 10:08:14 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=962</guid>
		<description><![CDATA[
			
				
			
		



Loan borrowers have been witnessing a lot of offers pouring in from all sides. The credit crunch and its aftermath have led to a situation where several banks are reducing their interest rates for the customers. At the same time, many banks are also trying to attract more customers by making some special offers. These [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Low interest rate, prepayment charges and processing fees &#8211; factors to consider befor swithing your home loan</title>
		<link>http://www.rupeetalk.com/blog/interest-rate-prepayment-charges-processing-fees-factors-befor-swithing-home-loan/</link>
		<comments>http://www.rupeetalk.com/blog/interest-rate-prepayment-charges-processing-fees-factors-befor-swithing-home-loan/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 10:03:27 +0000</pubDate>
		<dc:creator>rupeetalk.com</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=959</guid>
		<description><![CDATA[
			
				
			
		
Home loan space has become increasingly competitive lately. What with SBI and ICICI Bank decreasing their home loan rates; and HDFC and ICICI Bank increasing the prepayment penalty from 2 to 3 per cent and 2.25 per cent respectively. What does this mean to you? Let&#8217;s understand the impact of prepayment penalty through an illustration. [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/interest-rate-prepayment-charges-processing-fees-factors-befor-swithing-home-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Avoiding home loan prepayment penalty</title>
		<link>http://www.rupeetalk.com/blog/avoiding-home-loan-prepayment-penalty/</link>
		<comments>http://www.rupeetalk.com/blog/avoiding-home-loan-prepayment-penalty/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 09:52:20 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=956</guid>
		<description><![CDATA[
			
				
			
		
There is increasing competition being witnessed in the home loan space, which has led to a lot of choice as well as offers for borrowers. The impact is also witnessed in terms of an interest rate war from several players with two of India&#8217;s biggest lenders SBI and ICICI Bank cutting their home loan rates [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/avoiding-home-loan-prepayment-penalty/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How home loan interest rates change in India and how they impact you</title>
		<link>http://www.rupeetalk.com/blog/home-loan-interest-rates-change-india-impact/</link>
		<comments>http://www.rupeetalk.com/blog/home-loan-interest-rates-change-india-impact/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 09:44:46 +0000</pubDate>
		<dc:creator>Arnav</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=953</guid>
		<description><![CDATA[
			
				
			
		



Continuous changes are taking place in the financial world. But in several of the situations there is not adequate understanding about the manner in which the changes will actually affect an individual&#8217;s finances. This is why it becomes important for an individual to read the fine print to understand the exact implications of the changes. [...]]]></description>
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		<slash:comments>1</slash:comments>
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