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	<title>Chris Ray</title>
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	<link>http://www.christopherray.co.uk</link>
	<description>Making Sense of Personal Finance</description>
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		<title>Not Many Seeking Advice For Their Debt Problems</title>
		<link>http://www.christopherray.co.uk/finance/not-many-seeking-advice-for-their-debt-problems/</link>
		<comments>http://www.christopherray.co.uk/finance/not-many-seeking-advice-for-their-debt-problems/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 11:40:44 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=217</guid>
		<description><![CDATA[According to R3's latest Personal Debt Snapshot, although an estimated 18 million people may be worried about their debts, only around 1.4 million will actually seek debt advice.]]></description>
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		<title>Another Gloomy Prediction For House Prices</title>
		<link>http://www.christopherray.co.uk/finance/another-gloomy-prediction-for-house-prices/</link>
		<comments>http://www.christopherray.co.uk/finance/another-gloomy-prediction-for-house-prices/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 15:17:56 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[gross mortgage lending]]></category>
		<category><![CDATA[Hamptons Estate agents]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[property market]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=210</guid>
		<description><![CDATA[You would think that Estate Agents would be dancing in the streets as they celebrate the fact that gross mortgage lending increased by 15% in June, however some agents seem rather gloomy about the prospect for house prices, instead.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>I&#8217;m Surprised That Three Announced Best Mobile Broadband Network</title>
		<link>http://www.christopherray.co.uk/technology/surprised-three-announced-best-mobile-broadband-network/</link>
		<comments>http://www.christopherray.co.uk/technology/surprised-three-announced-best-mobile-broadband-network/#comments</comments>
		<pubDate>Mon, 19 Jul 2010 19:58:40 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Technology]]></category>
		<category><![CDATA[mobile broadband]]></category>
		<category><![CDATA[mobile network]]></category>
		<category><![CDATA[O2]]></category>
		<category><![CDATA[Three]]></category>
		<category><![CDATA[Virgin]]></category>
		<category><![CDATA[Vodafone]]></category>
		<category><![CDATA[YouGov]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=204</guid>
		<description><![CDATA[When I think about mobile broadband, I automatically think of Vodafone, O2, T-Mobile, and to some extent, Virgin.  To be honest I seem to overlook the Three network and today they announced industry leading consumer satisfaction results.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Spend A Fortune On An iPhone 4 Then Wrap It In Duct Tape</title>
		<link>http://www.christopherray.co.uk/technology/spend-fortune-on-iphone-4-wrap-it-in-duct-tape/</link>
		<comments>http://www.christopherray.co.uk/technology/spend-fortune-on-iphone-4-wrap-it-in-duct-tape/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 11:27:52 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Technology]]></category>
		<category><![CDATA[duct tape]]></category>
		<category><![CDATA[InvisibleShield]]></category>
		<category><![CDATA[iPhone 4]]></category>
		<category><![CDATA[iphone 4 bumber cover]]></category>
		<category><![CDATA[reception problems]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=196</guid>
		<description><![CDATA[Apple seem to have had a bite taken out of them with all the bad publicity about the reception problems encountered by some iPhone 4 users.]]></description>
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		<title>The Mad Scramble For iPhone 4&#8217;s</title>
		<link>http://www.christopherray.co.uk/technology/the-mad-scramble-for-iphone-4s/</link>
		<comments>http://www.christopherray.co.uk/technology/the-mad-scramble-for-iphone-4s/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 13:10:59 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Technology]]></category>
		<category><![CDATA[iphone 3]]></category>
		<category><![CDATA[iPhone 4]]></category>
		<category><![CDATA[iphone stock]]></category>
		<category><![CDATA[Orange]]></category>
		<category><![CDATA[smart phone]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=193</guid>
		<description><![CDATA[I was browsing around some mobile phone shops in the high street yesterday, basically to see what all the fuss about the iPhone 4 is all about.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gloomy News For House Prices</title>
		<link>http://www.christopherray.co.uk/finance/gloomy-news-for-house-prices/</link>
		<comments>http://www.christopherray.co.uk/finance/gloomy-news-for-house-prices/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 08:57:51 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[house price survey]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[property market]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=190</guid>
		<description><![CDATA[House prices could fall, or at best remain static, for the rest of the year according to a slightly gloomy forecast by UK Surveyors.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Importance of Haggling For A Discount</title>
		<link>http://www.christopherray.co.uk/finance/the-importance-of-haggling-a-discount/</link>
		<comments>http://www.christopherray.co.uk/finance/the-importance-of-haggling-a-discount/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 10:46:09 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=187</guid>
		<description><![CDATA[The news item that we published on MoneyHighStreet.com today about more people haggling when buying a new car, reminded my about something that happened yesterday.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Problems? Credit Yourself With Some Great Advice</title>
		<link>http://www.christopherray.co.uk/finance/debt-problems-credit-yourself-with-some-great-advice/</link>
		<comments>http://www.christopherray.co.uk/finance/debt-problems-credit-yourself-with-some-great-advice/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 08:45:59 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt advice]]></category>
		<category><![CDATA[Debt problems]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=183</guid>
		<description><![CDATA[Being financially aware is becoming increasingly important in the modern world, particularly in the wake of the severe and wide-reaching recession. Although many people may claim to have a good understanding of fiscal matters, research has shown that a large number of people often get themselves into debt problems they didn’t fully understand, or appreciate, what they were signing up to.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mobile Phone Call Charges Are Cheaper In Europe From Today</title>
		<link>http://www.christopherray.co.uk/finance/mobile-phone-call-charges-in-europe/</link>
		<comments>http://www.christopherray.co.uk/finance/mobile-phone-call-charges-in-europe/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 14:02:24 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[data downloads]]></category>
		<category><![CDATA[EU]]></category>
		<category><![CDATA[mobile broadband]]></category>
		<category><![CDATA[mobile phone costs]]></category>
		<category><![CDATA[roaming charges]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=180</guid>
		<description><![CDATA[Did you know that July 1st is D day for the onslaught on mobile phone charges whilst travelling in Europe?  EU regulations come into effect that limit what phone operators can charge you when using your mobile abroad.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Cheque Book Is Being Consigned To History</title>
		<link>http://www.christopherray.co.uk/finance/cheque-book-consigned-to-history/</link>
		<comments>http://www.christopherray.co.uk/finance/cheque-book-consigned-to-history/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 09:39:07 +0000</pubDate>
		<dc:creator><![CDATA[chris]]></dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[cashless society]]></category>
		<category><![CDATA[Cheque books]]></category>
		<category><![CDATA[cheque guarantee cards]]></category>
		<category><![CDATA[cheques]]></category>
		<category><![CDATA[credit card fraud]]></category>

		<guid isPermaLink="false">http://www.christopherray.co.uk/?p=177</guid>
		<description><![CDATA[How many of us reach for our cheque books when we go shopping?  It used to be an almost automatic reflex, however I wouldn't mind betting that cheque books are mostly found at the bottom of a drawer now.]]></description>
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