<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/rss2full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" version="2.0">

<channel>
	<title>Henley &amp; Henley -- Credit Repair Attorney</title>
	
	<link>http://www.henleycreditlaw.com</link>
	<description>Credit Repair Attorney</description>
	<lastBuildDate>Sat, 04 Feb 2012 23:06:56 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/TexasCreditRepairAttorney" /><feedburner:info uri="texascreditrepairattorney" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><item>
		<title>Litigation Charge Takes A Bite Out Of MasterCard’s Q4 Profit</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/1kOfdKQ2Qww/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/litigation-charge-takes-a-bite-out-of-mastercards-q4-profit/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 14:33:52 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Bite]]></category>
		<category><![CDATA[Charge]]></category>
		<category><![CDATA[Litigation]]></category>
		<category><![CDATA[MasterCard's]]></category>
		<category><![CDATA[Profit]]></category>
		<category><![CDATA[Takes]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/litigation-charge-takes-a-bite-out-of-mastercards-q4-profit/</guid>
		<description><![CDATA[View full post on Collections &#8211; Credit Card The credit card industry is inching closer to settling yet another challenge to its controversial interchange system.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/litigation-charge-takes-bite-mastercard-profit-3009496-1.html">Collections &#8211; Credit Card</a></p>
<p>The credit card industry is inching closer to settling yet another challenge to its controversial interchange system.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/1kOfdKQ2Qww" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/litigation-charge-takes-a-bite-out-of-mastercards-q4-profit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/litigation-charge-takes-a-bite-out-of-mastercards-q4-profit/</feedburner:origLink></item>
		<item>
		<title>What Would You Do to Avoid Your Bill Payments?</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/tfy7Toi-Bhc/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/what-would-you-do-to-avoid-your-bill-payments/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 08:50:18 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Avoid]]></category>
		<category><![CDATA[Bill]]></category>
		<category><![CDATA[Payments]]></category>
		<category><![CDATA[Would]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/what-would-you-do-to-avoid-your-bill-payments/</guid>
		<description><![CDATA[View full post on Credit and Personal Finance Blog &#124; Credit Karma Would you give up sex for six months? One in five women would in exchange for someone else covering their bills for a month, according to a new survey by market research firm Toluna on behalf of BillFloat. With 42 percent of workers [...]]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://blog.creditkarma.com/credit-karma/what-would-you-do-to-avoid-your-bill-payments/">Credit and Personal Finance Blog | Credit Karma</a></p>
<p class="imgCenter"><img src="http://blog.creditkarma.com/wp-content/pay-bills.png" alt="pay bills" /></p>
</p>
<p>Would you give up sex for six months?</p>
<p>One in five women would in exchange for someone else covering their bills for a month, according to a new survey by market research firm Toluna on behalf of BillFloat. With 42 percent of workers say that they typically live paycheck to paycheck, it’s no surprise that we’re also struggling to pay our monthly bills.<span id="more-21928"></span></p>
<p>The most interesting part of the survey is that respondents were asked what they would be willing to give up in order for someone else to take care of their bills for a month. Here’s how they responded:</p>
<ul>
<li><strong>25%</strong> would turn of the television.</li>
<li><strong>21%</strong> would ditch their digital devices or cell phones.</li>
<li><strong>21%</strong> of women would abstain from sex for six months; only 14% of men would be willing to hold out for that long.</li>
<li><strong>14%</strong> would give up Internet services for a month.</li>
</ul>
<p>We were wondering what the Credit Karma community would give up for a month to have their bills paid? Let us know!</p>
</p>
<div id="surveyMonkeyInfo">
<div> </div>
<p>Create your free online surveys with SurveyMonkey, the world&#8217;s leading questionnaire tool.</p></div>
<div class="shr-bookmarks shr-bookmarks-center shr-bookmarks-bg-knowledge">
<ul class="socials">
<li class="shr-twitter">
			Tweet This!
		</li>
<li class="shr-facebook">
			Share this on Facebook
		</li>
<li class="shr-googlebuzz">
			Post on Google Buzz
		</li>
<li class="shr-reddit">
			Share this on Reddit
		</li>
<li class="shr-digg">
			Digg this!
		</li>
<li class="shr-stumbleupon">
			Stumble upon something good? Share it on StumbleUpon
		</li>
</ul>
<div style="clear:both;"></div>
</div>
<p><img src="http://blog.creditkarma.com/?ak_action=api_record_view&#038;id=21928&#038;type=feed" alt="" /></p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/tfy7Toi-Bhc" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/what-would-you-do-to-avoid-your-bill-payments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/what-would-you-do-to-avoid-your-bill-payments/</feedburner:origLink></item>
		<item>
		<title>Judge Halts Telemarketers Who Sold Bogus Credit Cards</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/4tW-6gvz-qA/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/judge-halts-telemarketers-who-sold-bogus-credit-cards/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 02:36:56 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Bogus]]></category>
		<category><![CDATA[Cards]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Halts]]></category>
		<category><![CDATA[Judge]]></category>
		<category><![CDATA[Sold]]></category>
		<category><![CDATA[Telemarketers]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/judge-halts-telemarketers-who-sold-bogus-credit-cards/</guid>
		<description><![CDATA[View full post on Collections &#8211; Credit Card A federal judge has temporarily halted a telemarketing operation that allegedly sold bogus credit cards and took money from consumers&#8217; bank accounts without their consent.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/judge-halts-telemarketers-who-sold-bogus-credit-cards-3009498-1.html">Collections &#8211; Credit Card</a></p>
<p>A federal judge has temporarily halted a telemarketing operation that allegedly sold bogus credit cards and took money from consumers&#8217; bank accounts without their consent.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/4tW-6gvz-qA" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/judge-halts-telemarketers-who-sold-bogus-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/judge-halts-telemarketers-who-sold-bogus-credit-cards/</feedburner:origLink></item>
		<item>
		<title>Recovering Bad Card Debts Feeds Issuers’ Profits</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/5okwZosbFF8/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/recovering-bad-card-debts-feeds-issuers-profits/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 14:32:04 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Card]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Feeds]]></category>
		<category><![CDATA[Issuers]]></category>
		<category><![CDATA[Profits]]></category>
		<category><![CDATA[Recovering]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/recovering-bad-card-debts-feeds-issuers-profits/</guid>
		<description><![CDATA[View full post on Collections &#8211; Credit Card Recoveries against bad loans have become a major source of cash for credit card issuers, and hence an increasingly important factor in the industry&#8217;s return to pre-recession loss rates.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/recovering-bad-card-debts-feeds-issuers-profits-3009475-1.html">Collections &#8211; Credit Card</a></p>
<p>Recoveries against bad loans have become a major source of cash for credit card issuers, and hence an increasingly important factor in the industry&#8217;s return to pre-recession loss rates.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/5okwZosbFF8" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/recovering-bad-card-debts-feeds-issuers-profits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/recovering-bad-card-debts-feeds-issuers-profits/</feedburner:origLink></item>
		<item>
		<title>5 Tips to Avoid Spoiled Groceries</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/95v5GUyQS7I/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/5-tips-to-avoid-spoiled-groceries/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 08:49:47 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Avoid]]></category>
		<category><![CDATA[Groceries]]></category>
		<category><![CDATA[Spoiled]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/5-tips-to-avoid-spoiled-groceries/</guid>
		<description><![CDATA[View full post on Credit and Personal Finance Blog &#124; Credit Karma **Today’s guest post is contributed by Coupon Mountain.** Each time you visit the grocery store, you are spending your hard earned money to feed you and your family. We all have times when we buy something and forget about it, only to find [...]]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://blog.creditkarma.com/step-by-step/personal-finance/5-tips-to-avoid-spoiled-groceries/">Credit and Personal Finance Blog | Credit Karma</a></p>
<p class="imgLeft"><img src="http://blog.creditkarma.com/wp-content/spoiled-food.png" alt="spoiled food" /></p>
<p style="font-size:10px;color:#666">**Today’s guest post is contributed by Coupon Mountain.**</p>
<p style="padding-top:20px">Each time you visit the grocery store, you are spending your hard earned money to feed you and your family. We all have times when we buy something and forget about it, only to find it rotten and unusable later. Spoiled groceries are a waste of money, and the cost can add up faster than you think. To keep your money from going to waste, read up on these five tips to avoid spoiled groceries.</p>
<p style="padding-top:20px"><span style="color:#FF8500; font-size:16px"><strong>1. Shop Smaller</strong></span></p>
<p>Even if your food supply is running low, don’t feel the need to stock your shelves to the brim in one trip. Pick up only what you need for the next few days instead. Smaller, more frequent trips to the store will assure that you use everything you buy and that you never leave anything behind to go bad. Whenever you go to shop, make a concise list so that you don’t accidently buy more than you need to.</p>
<p style="padding-top:20px"><span style="color:#FF8500; font-size:16px"><strong>2. Plan Meals According to Ingredients</strong></span></p>
<p>To make sure that you use everything that you have in your fridge, plan your meals ahead of time. Make your meal plans based on what ingredients you already have before you go to the grocery store. Having a precise meal plan will help you use all the ingredients before they go bad because you will account for them ahead of time. Check out this article for some simple meals that can be made with just a few ingredients that you may have in your home.<span id="more-21871"></span></p>
<p style="padding-top:20px"><span style="color:#FF8500; font-size:16px"><strong>3. Check in the Back for Perishable Products</strong></span></p>
<p>Most perishable ingredients have a date listed on the packaging to let you know when the product is no longer usable. Grocery stores always put out the earlier expiration dates in the front so they don’t end up with any spoiled food on their shelves. Dig to the back if you can to see if there are any later dates. This is particularly useful with items like milk because you can often find other cartons with much later dates. Some products are even good past their “sell by” dates. Make sure that you know when it is safe to eat something past its date.</p>
<p style="padding-top:20px"><span style="color:#FF8500; font-size:16px"><strong>4. Change the way you Store Food</strong></span></p>
<p>To avoid rotten food, be mindful of the way you store things. Check the temperature of your refrigerator and freezer to make sure they are set appropriately. In the summer, make sure countertop fruits like bananas and oranges are kept away from direct sunlight so they do not get too hot. For veggies, consider buying some reusable green bags to slow the aging process. Beyond saving money, these tips are valuable for basic food safety. </p>
<p style="padding-top:20px"><span style="color:#FF8500; font-size:16px"><strong>5. Keep a List of your Inventory</strong></span></p>
<p>If you have the time, make a list of everything that is perishable in your food inventory. List all of the items, then write the expiration date next to them. Keep this information on your fridge so that you can quickly and easily see what items you should consider using next.</p>
<p style="padding-top:30px"><span style="color: #666"><em>Kiley Theiring is a film student at Chapman University who also loves to write. She writes about saving money and living frugally for CouponMountain.com and also maintains her own personal blog.</p>
<div class="shr-bookmarks shr-bookmarks-center shr-bookmarks-bg-knowledge">
<ul class="socials">
<li class="shr-twitter">
			Tweet This!
		</li>
<li class="shr-facebook">
			Share this on Facebook
		</li>
<li class="shr-googlebuzz">
			Post on Google Buzz
		</li>
<li class="shr-reddit">
			Share this on Reddit
		</li>
<li class="shr-digg">
			Digg this!
		</li>
<li class="shr-stumbleupon">
			Stumble upon something good? Share it on StumbleUpon
		</li>
</ul>
<div style="clear:both;"></div>
</div>
<p><img src="http://blog.creditkarma.com/?ak_action=api_record_view&#038;id=21871&#038;type=feed" alt="" /></p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/95v5GUyQS7I" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/5-tips-to-avoid-spoiled-groceries/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/5-tips-to-avoid-spoiled-groceries/</feedburner:origLink></item>
		<item>
		<title>‘Robo’ Credit Card Suits A Menace For Issuers</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/dNK-kCtGk-M/</link>
		<comments>http://www.henleycreditlaw.com/2012/02/robo-credit-card-suits-a-menace-for-issuers/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 14:34:13 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA['Robo']]></category>
		<category><![CDATA[Card]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Issuers]]></category>
		<category><![CDATA[Menace]]></category>
		<category><![CDATA[Suits]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/02/robo-credit-card-suits-a-menace-for-issuers/</guid>
		<description><![CDATA[View full post on Collections &#8211; Credit Card Last year JPMorgan Chase &#038; Co took New York resident Shady Gergis to court over a few thousand dollars in allegedly unpaid credit card debt.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/robo-credit-card-suits-menace-issuers-3009394-1.html">Collections &#8211; Credit Card</a></p>
<p>Last year JPMorgan Chase &#038; Co took New York resident Shady Gergis to court over a few thousand dollars in allegedly unpaid credit card debt.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/dNK-kCtGk-M" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/02/robo-credit-card-suits-a-menace-for-issuers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/02/robo-credit-card-suits-a-menace-for-issuers/</feedburner:origLink></item>
		<item>
		<title>FTC Halts Nationwide Employment Scam</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/sfzVp4oWi90/</link>
		<comments>http://www.henleycreditlaw.com/2012/01/ftc-halts-nationwide-employment-scam/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 02:38:22 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Halts]]></category>
		<category><![CDATA[Nationwide]]></category>
		<category><![CDATA[scam]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/01/ftc-halts-nationwide-employment-scam/</guid>
		<description><![CDATA[View full post on Regulation An operation that allegedly deceived consumers with false promises of nonexistent sales jobs will be banned from marketing any employment products or services under a settlement with the Federal Trade Commission.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/ftc-halts-nationwide-employment-scam-3009393-1.html">Regulation</a></p>
<p>An operation that allegedly deceived consumers with false promises of nonexistent sales jobs will be banned from marketing any employment products or services under a settlement with the Federal Trade Commission.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/sfzVp4oWi90" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/01/ftc-halts-nationwide-employment-scam/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/01/ftc-halts-nationwide-employment-scam/</feedburner:origLink></item>
		<item>
		<title>Monday Roundup: Unemployed Young People Are Costing Americans Billions of Tax Dollars</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/bglzXpaK5YQ/</link>
		<comments>http://www.henleycreditlaw.com/2012/01/monday-roundup-unemployed-young-people-are-costing-americans-billions-of-tax-dollars/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 08:50:48 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Americans]]></category>
		<category><![CDATA[Billions]]></category>
		<category><![CDATA[Costing]]></category>
		<category><![CDATA[Dollars]]></category>
		<category><![CDATA[Monday]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Roundup]]></category>
		<category><![CDATA[Unemployed]]></category>
		<category><![CDATA[Young]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/01/monday-roundup-unemployed-young-people-are-costing-americans-billions-of-tax-dollars/</guid>
		<description><![CDATA[View full post on Credit and Personal Finance Blog &#124; Credit Karma Unemployed Young People Are Costing Americans Billions of Tax Dollars. &#8220;Whether the rhetoric is coming from the left or the right, politicians and journalists love to pity recession-era youth. &#8216;Think of the children!&#8217; Republicans crowed during the deficit debacle. &#8216;Are we condemning our [...]]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://blog.creditkarma.com/news-trends/roundup/monday-roundup-unemployed-young-people-are-costing-americans-billions-of-tax-dollars/">Credit and Personal Finance Blog | Credit Karma</a></p>
<p class="imgCenter"><img src="http://blog.creditkarma.com/wp-content/occupy-wall-street1.png" alt="occupy wall street" /></p>
</p>
<p><span style="color:#FF8500"><strong>Unemployed Young People Are Costing Americans Billions of Tax Dollars.</strong></span> &#8220;Whether the rhetoric is coming from the left or the right, politicians and journalists love to pity recession-era youth. &#8216;Think of the children!&#8217; Republicans crowed during the deficit debacle. &#8216;Are we condemning our children to downward mobility?&#8217; wrote a concerned Newsweek reporter in 2009.&#8221; GOOD</p>
<p><span style="color:#FF8500"><strong>Stop the Cycle of Financial Debt and Future Mistakes.</strong></span> &#8220;One day I woke up and realized I was $150,000 in debt and was constantly worried about money. I didn’t envision my life to be like that at only 23 years old, but that’s what happened. Now that I’ve started getting my debt under control, I found I have another financial worry.&#8221; ReadyForZero Blog</p>
<p><span style="color:#FF8500"><strong>Use Google Alerts as an Identity Theft Watchdog.</strong></span> &#8220;Google Alerts can be a great tool for monitoring any search term you care about—including your own name and other personal information. This means you can use Google Alerts to regularly check if a thief is using your info anywhere online.&#8221; lifehacker</p>
<p><span style="color:#FF8500"><strong>Tax Return Preparation Options: Calculator, Computer, or CPA?</strong></span> &#8220;As you gather necessary tax documents and prepare to start your tax return, it’s time to decide how you are going to file. And these days, you have several choices.&#8221; Money Under 30</p>
<p><span style="color:#FF8500"><strong>11 Things You May Not Know About Retirement Accounts.</strong></span> &#8220;I don’t know you personally (yet), but my guess is that you own an IRA or employer-sponsored retirement account such as a 401(k) or 403(b). Such accounts are where the majority of Americans hold their longterm savings. However, like anything governed by the Congress and the IRS, there are plenty of rules, exceptions, and quirks. Here are some lesser-known facts about retirement accounts.&#8221; Get Rich Slowly</p>
<p style="padding-top:50px"><span style="font-size:11px"><em></p>
<div class="shr-bookmarks shr-bookmarks-center shr-bookmarks-bg-knowledge">
<ul class="socials">
<li class="shr-twitter">
			Tweet This!
		</li>
<li class="shr-facebook">
			Share this on Facebook
		</li>
<li class="shr-googlebuzz">
			Post on Google Buzz
		</li>
<li class="shr-reddit">
			Share this on Reddit
		</li>
<li class="shr-digg">
			Digg this!
		</li>
<li class="shr-stumbleupon">
			Stumble upon something good? Share it on StumbleUpon
		</li>
</ul>
<div style="clear:both;"></div>
</div>
<p><img src="http://blog.creditkarma.com/?ak_action=api_record_view&#038;id=21836&#038;type=feed" alt="" /></p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/bglzXpaK5YQ" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/01/monday-roundup-unemployed-young-people-are-costing-americans-billions-of-tax-dollars/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/01/monday-roundup-unemployed-young-people-are-costing-americans-billions-of-tax-dollars/</feedburner:origLink></item>
		<item>
		<title>Aussies Reducing Credit Card Use As They Target Their Debt</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/Wr1-GJ43pqE/</link>
		<comments>http://www.henleycreditlaw.com/2012/01/aussies-reducing-credit-card-use-as-they-target-their-debt/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 02:33:59 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[Aussies]]></category>
		<category><![CDATA[Card]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Reducing]]></category>
		<category><![CDATA[target]]></category>
		<category><![CDATA[their]]></category>
		<category><![CDATA[They]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/01/aussies-reducing-credit-card-use-as-they-target-their-debt/</guid>
		<description><![CDATA[View full post on Collections &#8211; Credit Card In what could be worrying news for card issuers in Australia, new survey data suggest about 32% of the country&#8217;s households last year fell behind financially, which affected their credit card use.]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://www.collectionscreditrisk.com/news/aussies-reducing-credit-card-use-target-debt-3009373-1.html">Collections &#8211; Credit Card</a></p>
<p>In what could be worrying news for card issuers in Australia, new survey data suggest about 32% of the country&#8217;s households last year fell behind financially, which affected their credit card use.</p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/Wr1-GJ43pqE" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/01/aussies-reducing-credit-card-use-as-they-target-their-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/01/aussies-reducing-credit-card-use-as-they-target-their-debt/</feedburner:origLink></item>
		<item>
		<title>What a Walk in Spain Taught Me about Money</title>
		<link>http://feedproxy.google.com/~r/TexasCreditRepairAttorney/~3/MYFtsfudkpo/</link>
		<comments>http://www.henleycreditlaw.com/2012/01/what-a-walk-in-spain-taught-me-about-money/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 08:51:03 +0000</pubDate>
		<dc:creator>Chris Ebert</dc:creator>
				<category><![CDATA[Debt Collection News]]></category>
		<category><![CDATA[About]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Spain]]></category>
		<category><![CDATA[Taught]]></category>
		<category><![CDATA[Walk]]></category>

		<guid isPermaLink="false">http://www.henleycreditlaw.com/2012/01/what-a-walk-in-spain-taught-me-about-money/</guid>
		<description><![CDATA[View full post on Credit and Personal Finance Blog &#124; Credit Karma Eight years ago, I walked 500 miles across the Northern Spain countryside on a pilgrimage whose route dates back to medieval times. For five weeks, I woke up in a bunk room full of college pals and a professor, laced up my Gore-Tex [...]]]></description>
			<content:encoded><![CDATA[<p>View full post on <a href="http://blog.creditkarma.com/step-by-step/personal-finance/what-a-walk-in-spain-taught-me-about-money/">Credit and Personal Finance Blog | Credit Karma</a></p>
<p>Eight years ago, I walked 500 miles across the Northern Spain countryside on a pilgrimage whose route dates back to medieval times.</p>
<p>For five weeks, I woke up in a bunk room full of college pals and a professor, laced up my Gore-Tex hiking boots, heaved my pack onto my back, and stepped into the cold, Spanish winter to walk an average of 18 miles.</p>
<p>I learned a lot about life on that trip that now translates to smart money lessons in my life today.</p>
<p class="imgCenter"><img src="http://blog.creditkarma.com/wp-content/camino-de-santiago.png" alt="camino de santiago" /></p>
</p>
<p style="padding-top:20px"><span style="font-size:16px; color:#FF8500"><strong>There’s a lot of “stuff” we don’t need.</strong></span></p>
<p>Walking the Way of Saint James, you carry your life on your back, from your clothing to your food. After walking a few days, we realized we were all carrying too much unnecessary <em>stuff</em>. So we loaded the excess into a box, shipped it off to our final destination, and carried on with much lighter loads.</p>
<p>I still have too much stuff, but <strong>I’m learning when and where to curb my spending habits</strong>. I plan out most shopping trips, or open a savings account to stash away funds for a particular splurge.</p>
<p style="padding-top:20px"><span style="font-size:16px; color:#FF8500"><strong>Sometimes, our feet are the best mode of transportation.</strong></span></p>
<p>I still have the hiking boots I wore for those 500 miles. And, after nearly a decade, they still fit perfectly. My feet carried me all the way across a country; why can’t they carry me a couple of miles to the store?</p>
<p>These days, I have it easy. I live in downtown San Francisco, where restaurants and markets reveal themselves at every corner. But it’s still tempting to hop on my scooter, catch the bus, or hail a taxi. So <strong>I force myself, every other day, to walk to work</strong>. I get exercise and have time to enjoy the ambience of the city.<span id="more-21827"></span></p>
<p style="padding-top:20px"><span style="font-size:16px; color:#FF8500"><strong>Making your own lunch is usually cheaper.</strong></span></p>
<p>Spanish cuisine is some of the best in the world. But I quickly realized on my pilgrimage that I would deplete my food budget by purchasing three meals a day. When I came across a food market, I would buy food that could easily be carried, like bread, cans of tuna, spreadable cheese and jam. My little hoard made for many a tasty roadside sandwich.</p>
<p>Lunch in San Francisco is never cheap, so <strong>I regularly brown-bag it</strong>. The savings allows me to treat myself to a lunch date with a friend every so often.</p>
<p style="padding-top:20px"><span style="font-size:16px; color:#FF8500"><strong>Patience is key.</strong></span></p>
<p>One particularly frustrating day, I charged ahead of my walking companions because I wanted to get to the next town as soon as possible. I came upon a creek and hastily attempted to cross on what appeared to be a log, but what was actually just a floating branch. My foot slipped and I stepped right into the cold water. My punishment? I had to sit on a stump in my bare feet waiting for my boots and socks to dry, watching my companions pass me by.</p>
<p>Now, I would love to have so many things: a house, a dog a big savings account. But these things can’t all happen at once. For now, <strong>I’m working on the savings account</strong> and I know that patience will help me to stay sane in the process.</p>
<p style="padding-top:20px"><span style="font-size:16px; color:#FF8500"><strong>Memories are free.</strong></span></p>
<p>I have over four hours of video footage from my time in Spain. My companions and I passed around a small video camera to document our walk, film the countryside, talk about experiences, and generally goof off. I have tangible souvenirs from that trip, too, but my favorite is the footage that I re-watch each year on the anniversary of the completion of my pilgrimage.</p>
<p>I’ve always been a big fan of photos as a way to remember vacations and good times, and that continues to be true. I may not have a refrigerator full of souvenir magnets from trips, but <strong>I do have thousands of free photos that make me smile</strong>.</p>
<p style="padding-top:20px"><em>What past experiences have taught you the most about money?</em></p>
<p style="padding-top:30px">Buen Camino,</p>
<p><em><strong>Bethy Hardeman, Social Media Maven</strong></em></p>
<div class="shr-bookmarks shr-bookmarks-center shr-bookmarks-bg-knowledge">
<ul class="socials">
<li class="shr-twitter">
			Tweet This!
		</li>
<li class="shr-facebook">
			Share this on Facebook
		</li>
<li class="shr-googlebuzz">
			Post on Google Buzz
		</li>
<li class="shr-reddit">
			Share this on Reddit
		</li>
<li class="shr-digg">
			Digg this!
		</li>
<li class="shr-stumbleupon">
			Stumble upon something good? Share it on StumbleUpon
		</li>
</ul>
<div style="clear:both;"></div>
</div>
<p><img src="http://blog.creditkarma.com/?ak_action=api_record_view&#038;id=21827&#038;type=feed" alt="" /></p>
<img src="http://feeds.feedburner.com/~r/TexasCreditRepairAttorney/~4/MYFtsfudkpo" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://www.henleycreditlaw.com/2012/01/what-a-walk-in-spain-taught-me-about-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.henleycreditlaw.com/2012/01/what-a-walk-in-spain-taught-me-about-money/</feedburner:origLink></item>
	</channel>
</rss>

