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	<title>boring banker</title>
	
	<link>http://boringbanker.com</link>
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	<pubDate>Tue, 05 Aug 2008 13:08:36 +0000</pubDate>
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		<link>http://feedproxy.google.com/~r/BoringBanker/~3/brMAWWLeMew/</link>
		<comments>http://boringbanker.com/?p=100#comments</comments>
		<pubDate>Tue, 05 Aug 2008 11:31:19 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[asides]]></category>

		<category><![CDATA[news]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=100</guid>
		<description><![CDATA[Finally, some breathing space for debts holders with interest rates likely to fall in the very near future. RBA left rates unchanged but warmed us up for a cut. Maybe by end of year? - Theage.
Despite talks of rates likely to fall, the market crashed today with resources stocks bleeding left right and centre. Good [...]]]></description>
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		<item>
		<title>How to have a billion dollars property portfolio in 6 months.</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/lVN_aeE5SaA/</link>
		<comments>http://boringbanker.com/?p=60#comments</comments>
		<pubDate>Fri, 18 Jul 2008 14:02:58 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[Investment strategy]]></category>

		<category><![CDATA[featured]]></category>

		<category><![CDATA[tax effective investment]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=60</guid>
		<description><![CDATA[Well not quite, but as you can sense the sarcasm in the title, I am not a fan of these get rich quick property schemes. In my opinion all these schemes are good for is selling books and seminar tickets. I can’t believe there are still people out there promoting this sort of scam, I mean scheme. Remember Henry Kaye? If you don’t know who Henry Kaye is, just <a href="http://www.google.com.au/search?hl=en&#038;q=henry+kaye&#038;meta=">Google Henry Kaye</a>.]]></description>
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		<item>
		<title>Use your equity to invest</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/zvkESu-5PCI/</link>
		<comments>http://boringbanker.com/?p=47#comments</comments>
		<pubDate>Thu, 17 Jul 2008 12:53:21 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[Investment strategy]]></category>

		<category><![CDATA[equity]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[use your equity to invest]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=47</guid>
		<description><![CDATA[I previously talked about equity in "<a href="http://boringbanker.com/?p=42">use your equity</a>" and looked at using equity to minimise your interest costs. Here, I'll take that a bit further and talk about leveraging on your equity to hopefully improves your wealth by using that equity to invest.]]></description>
		<wfw:commentRss>http://boringbanker.com/?feed=rss2&amp;p=47</wfw:commentRss>
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		<item>
		<title>Use your equity</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/qfQDYxcuavI/</link>
		<comments>http://boringbanker.com/?p=42#comments</comments>
		<pubDate>Mon, 14 Jul 2008 13:09:29 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[Reduce interest]]></category>

		<category><![CDATA[equity]]></category>

		<category><![CDATA[smart money strategies]]></category>

		<category><![CDATA[consolidate your debts]]></category>

		<category><![CDATA[personal loan]]></category>

		<category><![CDATA[what is equity]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=42</guid>
		<description><![CDATA[The other day a friend asked me to help her with a personal loan to pay for her upcoming wedding. She applied for a personal loan with one of the major bank. The loan was approved and the rate offered was something like 14%. My friend was happy to accept the rate but the bank wouldn’t release the money because they wanted receipts to prove that she is spending the money on the wedding! The bank wouldn’t just give her the cash. Very frustrating when you’re planning a wedding! She asked me what she can do to get the cash without having to go through with all the trouble of receipts and bank cheques.]]></description>
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		<item>
		<title>Balance transfer - what you should know</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/xeFKMNb-d88/</link>
		<comments>http://boringbanker.com/?p=39#comments</comments>
		<pubDate>Mon, 14 Jul 2008 09:17:21 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[balance transfer]]></category>

		<category><![CDATA[credit card]]></category>

		<category><![CDATA[for life balance transfer offers]]></category>

		<category><![CDATA[zero percent interest]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=39</guid>
		<description><![CDATA[Let face it, we all have credit card debts. Whether it’s because of over indulgence (maybe you couldn’t resist that nice pair of shoe too many times or a nice Omega watch on sale). The fact is more and more people are carrying credit card debts, the most expensive form of debts. It’s no wonder that there are so many “balance transfer” offers out there. Some offer 0% interest for 6 months, even 12 months.  Others will offer you very low interest for the life of the balance transfer, like Citibank’s Ready Credit offering 6.99% for life, sound like a very good deal isn’t it? What’s in it for the bank then?
]]></description>
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		<item>
		<title>what is negative gearing?</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/lgr9Ylv_ZbQ/</link>
		<comments>http://boringbanker.com/?p=32#comments</comments>
		<pubDate>Fri, 11 Jul 2008 13:45:15 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[Negative gearing]]></category>

		<category><![CDATA[smart money strategies]]></category>

		<category><![CDATA[tax effective investment]]></category>

		<category><![CDATA[investment asset]]></category>

		<category><![CDATA[investment return]]></category>

		<category><![CDATA[maximising returns]]></category>

		<category><![CDATA[reducing taxes]]></category>

		<category><![CDATA[tax loses]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=32</guid>
		<description><![CDATA[Negative gearing is not about making tax losses, far too many people think of negative gearing as a tax strategy rather than a tax effective investment strategy. You’re decision to invest should be based on the potential of the investment making you richer or increasing your wealth in the long term, and giving the tax man less is an added benefit! Not the other way around, you should not enter into a loss making investment purely to reduce your taxes, you may be risking a lot more to save a few dollars in tax.]]></description>
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		<item>
		<title>friends or foes?</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/SxRwMDHG9tw/</link>
		<comments>http://boringbanker.com/?p=9#comments</comments>
		<pubDate>Sat, 28 Jun 2008 03:10:03 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[featured]]></category>

		<category><![CDATA[mortgage brokers]]></category>

		<category><![CDATA[best loan]]></category>

		<category><![CDATA[brokers]]></category>

		<category><![CDATA[business advisors]]></category>

		<category><![CDATA[business loans]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[introducer]]></category>

		<category><![CDATA[mortage brokers]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=9</guid>
		<description><![CDATA[There seem to be a perception out there that brokers compare loans and find you the best loan. This is a myth in my view. A good broker would do exactly that, a good broker would investigate and get you a loan that suit your requirements. However many I came across don’t.]]></description>
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		<feedburner:origLink>http://boringbanker.com/?p=9</feedburner:origLink></item>
		<item>
		<title>make your money work harder for you</title>
		<link>http://feedproxy.google.com/~r/BoringBanker/~3/4Nl-sRrB25k/</link>
		<comments>http://boringbanker.com/?p=8#comments</comments>
		<pubDate>Sat, 28 Jun 2008 03:02:35 +0000</pubDate>
		<dc:creator>bb</dc:creator>
		
		<category><![CDATA[Reduce interest]]></category>

		<category><![CDATA[offset arrangements]]></category>

		<category><![CDATA[smart money strategies]]></category>

		<category><![CDATA[credit card]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[interest free days]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[money]]></category>

		<category><![CDATA[money working harder]]></category>

		<category><![CDATA[offset arrangement]]></category>

		<category><![CDATA[professional packages]]></category>

		<category><![CDATA[redraw]]></category>

		<category><![CDATA[save interest]]></category>

		<category><![CDATA[zero interest]]></category>

		<guid isPermaLink="false">http://boringbanker.com/?p=8</guid>
		<description><![CDATA[If you have cash sitting in your saving account, firstly congratulations, I am envious.  But are you making good use of that money? Well it depends on what you mean by “good use” right? No I don’t mean spending that money on something you always wanted. What I mean is, is that money working hard to help you pay off your debts quicker?]]></description>
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