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	<title>SettlementMax - Financial Freedom&#187; Debts that are impacting our quality of life  &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<title>Debts that are impacting our quality of life</title>
		<link>http://settlementmax.com/blog/debts-impacting-quality-life/</link>
		<comments>http://settlementmax.com/blog/debts-impacting-quality-life/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 22:39:49 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=353</guid>
		<description><![CDATA[Debts that are impacting our quality of life can cause grief among us.  Unless a serious problem is at steak, most people fail to contain and reduce debt or even learn how to do so.  A number of people that choose not to admit their debt problem for a long time end up regretting it. 

Most people don’t want any advice at all, nor do they admit that they have any sort of problem.  Debtors often don’t think it is serious enough of a problem to seek advice.  A lot of people believe that it is solely their fault and that they should deal with the problem themselves
]]></description>
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		</item>
		<item>
		<title>10 lies that got you (and keep you) in credit card debt</title>
		<link>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 15:56:55 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=89</guid>
		<description><![CDATA[Although we don't have credit card debt now, except for 0% APR balance transfers, there were times that we did. We never let our credit cards get completely out of control although we did build up thousands of dollars on our credit cards when I first got out of college...

]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to save money on utilities</title>
		<link>http://settlementmax.com/blog/how-save-money-utilities/</link>
		<comments>http://settlementmax.com/blog/how-save-money-utilities/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 17:18:21 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=575</guid>
		<description><![CDATA[By turning your thermostat down three degrees, you can save around 3% on your heating bills.  Make sure it is off when you are at work and turn it down even lower when you are sleeping to save even more money.  Shut the doors to any rooms that aren’t being used to conserve energy.  Weatherstripping doors and windows can amount to using less heat.  An insulated attic can also reduce the cost of your heating bills.  The refrigerator, hot water heater and the heating system are three of the biggest energy consumers in your home.  To improve the efficiency of your appliances, Make sure you give your ...]]></description>
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		<item>
		<title>How to save money on groceries</title>
		<link>http://settlementmax.com/blog/how-save-money-groceries/</link>
		<comments>http://settlementmax.com/blog/how-save-money-groceries/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 21:38:34 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=564</guid>
		<description><![CDATA[People who know exactly how much they spend each month on groceries are twenty times less likely to be deep in debt than those who don’t know how much they have spent.  When we include dining out, vending machines and fast food into the list of food related purchases, we realize how much we are spending.  Prepackaged and ready to eat meals also end up costing a lot of money.  Eating is a necessity but there are many ways to noticeably reduce your food budget.]]></description>
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		<item>
		<title>How Americans Got into a Credit-Card Mess</title>
		<link>http://settlementmax.com/blog/americans-credit-card-mess/</link>
		<comments>http://settlementmax.com/blog/americans-credit-card-mess/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 21:55:25 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=559</guid>
		<description><![CDATA[Americans have a long, sordid history with borrowed money. In Collateral Damaged: The Marketing of Consumer Debt to America, Charles Geisst, a professor of finance at Manhattan College, takes us through the centuries to explain how we wound up at our most recent — and spectacular — credit bubble. TIME's Barbara Kiviat spoke with him

You write that one of the major myths about American society is that we 
]]></description>
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		<item>
		<title>How Did We End Up In Debt?</title>
		<link>http://settlementmax.com/blog/up-debt/</link>
		<comments>http://settlementmax.com/blog/up-debt/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:56:31 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=331</guid>
		<description><![CDATA[In the past, it was simply too easy for consumers to obtain credit.  Because credit was so easy to get, consumers figured out how to leverage their credit card rewards and balance transfer cards in order to make money. Many tried to perform credit card arbitrage by taking out cash advances and balance transfers from these cards, then investing the amounts into a rising stock market. This was one of those things you'd consider to be a "sign of the times." Of course, things are different today, but the 2000s was a ...]]></description>
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		</item>
		<item>
		<title>Banks Are Jacking Up Interest Rates, Penalties And Fees</title>
		<link>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/</link>
		<comments>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:45:09 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=326</guid>
		<description><![CDATA[Before a new law of reforms becomes effective in February of 2010, Credit card companies are raising interest rates, penalties and fees. As of July, interest rates spiked an average of 20% across the board from December 2008 with some issuers raising the interest rates 30 and even 50 percent. When the Pew Health Group [...]]]></description>
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		<item>
		<title>Debt is Common</title>
		<link>http://settlementmax.com/blog/debt-common/</link>
		<comments>http://settlementmax.com/blog/debt-common/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 17:36:42 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=273</guid>
		<description><![CDATA[Millions of people all over the world are facing the problem of having too much debt.  Eliminating these debts is not an easy task. However, there are various strategies you can use to eliminate ...]]></description>
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		<item>
		<title>The Story of Credit Card Hell – An American Perspective</title>
		<link>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/</link>
		<comments>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 21:30:06 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=140</guid>
		<description><![CDATA[You pay your credit card off every month, but happened to miss an auto loan or an electric bill payment.  A single late payment on your credit report can trigger a rate increase.  It is called Universal Default.
0% APR is great, but ...]]></description>
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		<item>
		<title>A Lifetime of debt</title>
		<link>http://settlementmax.com/blog/lifetime-debt/</link>
		<comments>http://settlementmax.com/blog/lifetime-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:57:02 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=127</guid>
		<description><![CDATA[A Lifetime of Debt .]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Spread the debt around</title>
		<link>http://settlementmax.com/blog/spread-debt-around/</link>
		<comments>http://settlementmax.com/blog/spread-debt-around/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:55:24 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=122</guid>
		<description><![CDATA[]]></description>
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		<item>
		<title>Living In Credit Card Hell</title>
		<link>http://settlementmax.com/blog/credit-card-hell/</link>
		<comments>http://settlementmax.com/blog/credit-card-hell/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:47:03 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=113</guid>
		<description><![CDATA[]]></description>
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		</item>
		<item>
		<title>U.S. Debt &#8211; $65 Trillion</title>
		<link>http://settlementmax.com/blog/u-s-debt-65-trillion/</link>
		<comments>http://settlementmax.com/blog/u-s-debt-65-trillion/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:29:05 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[bank]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=93</guid>
		<description><![CDATA[The total liabilities of the United States government, including future social security and medicare payments that the U.S. government is already committed to pay out, now exceed 65 trillion dollars, which is more than the entire GDP of the whole world.

]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/u-s-debt-65-trillion/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Seniors &#8211; credit card debt</title>
		<link>http://settlementmax.com/blog/seniors-racking-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/seniors-racking-credit-card-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 15:42:39 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=87</guid>
		<description><![CDATA[Seniors racking up credit card debt
Here's a statistic that should give us all pause: The average credit card debt of seniors grew by 26% between 2005 and 2008, CreditCards.com reports. For the rest of us, the increase was a comparatively modest 3%
]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/seniors-racking-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is your debt making you sick?</title>
		<link>http://settlementmax.com/blog/debt-making-sick/</link>
		<comments>http://settlementmax.com/blog/debt-making-sick/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 23:20:43 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=74</guid>
		<description><![CDATA[In the past year, Chad, a 38-year-old former president of a social media communications company, has gained 30 pounds, seen his hair turned gray, and admits that both his blood pressure and cholesterol have increased. The cause is none other than the economy. “The economic downturn hit us early last year when people stopped paying,” he says. “We had a mountain of uncollectible outstanding invoices.”]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/debt-making-sick/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 5 reasons why people go get into debt</title>
		<link>http://settlementmax.com/blog/5-reasons-people-debt/</link>
		<comments>http://settlementmax.com/blog/5-reasons-people-debt/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 15:36:37 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=33</guid>
		<description><![CDATA[Excessive spending - With easy availability of credit over the past decade, the spending habits of Americans have skyrocketed. The old days of paying for something with cash are long gone and we now live in a society that borrows money to buy goods and services.]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/5-reasons-people-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Debt Poll &#8211; What is your current debt load?</title>
		<link>http://settlementmax.com/blog/current-debt-load/</link>
		<comments>http://settlementmax.com/blog/current-debt-load/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 20:38:53 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=17</guid>
		<description><![CDATA[Debt Poll - What is your current debt load?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/current-debt-load/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Free Credit Report &#8211; Everyone can request a free yearly credit report</title>
		<link>http://settlementmax.com/blog/credit-report/</link>
		<comments>http://settlementmax.com/blog/credit-report/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 19:49:30 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=13</guid>
		<description><![CDATA[Do you know you're entitled to a free yearly credit report for all three credit reporting agencies?   There is a free website you can visit to request this free credit report once a year. At SettlementMax, we strongly encourage our clients to take advantage of this free valuable service.  ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding your finances is the first step you need to take to become financially independent</title>
		<link>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/</link>
		<comments>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 18:31:58 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=8</guid>
		<description><![CDATA[Most people spend more time managing company finances than their own personal finances.  Why is this?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The average american has between $30,000 and $40,000 in outstanding credit card debt.  How about you?</title>
		<link>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 16:33:59 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=5</guid>
		<description><![CDATA[You are not alone. Banks have been given the ability to charge excessive interest rates, late fees and this has fed their cash cow, us the consumers. Trying to put it in the back of your mind and ignore it is not the right solution. Take action and explore all your different options before you start your journey to financial freedom.]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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