<?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/" version="2.0">

<channel>
	<title>Knowledge Base</title>
	
	<link>http://www.crumbtrail.net</link>
	<description>Knowledge Base of Crumbtrail</description>
	<lastBuildDate>Wed, 02 Jun 2010 22:06:14 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" />
		<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/crumbtrail/feed" /><feedburner:info xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" uri="crumbtrail/feed" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><item>
		<title>What Is Your Bank Charging You? A Guide To Bank Charges</title>
		<link>http://www.crumbtrail.net/what-is-your-bank-charging-you-a-guide-to-bank-charges/</link>
		<comments>http://www.crumbtrail.net/what-is-your-bank-charging-you-a-guide-to-bank-charges/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:06:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[accounts]]></category>
		<category><![CDATA[consultation]]></category>
		<category><![CDATA[current]]></category>
		<category><![CDATA[facility]]></category>
		<category><![CDATA[foreign]]></category>
		<category><![CDATA[incentives]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[periods]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[short]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/what-is-your-bank-charging-you-a-guide-to-bank-charges/</guid>
		<description><![CDATA[ When you're shopping around for a bank account there are a lot of factors to consider Many people go for up-front incentives, such as money paid into the bank account, vouchers or a gift However, it is worth looking at bank accounts in more depth to find out what you might be paying for various transactions Here are some of the transactions that banks might charge you for Authorised Overdraft An overdraft is like a short term loan The bank gives you permission to spend more than the funds you have in your account This amount is usually fixed in consultation with the bank and may be reviewed at stated periods Some banks have a free authorised overdraft up to a certain limit and charge for any balance over that limit This is the best way to arrange an overdraft Unauthorised Overdraft When customers spend more than they have in their accounts without arranging an overdraft limit, this is known as an unauthorised overdraft Banks penalise customers heavily for this by charging an unauthorised overdraft fee of more than £35 in some cases The excess spending will also be charged interest at a higher rate than normal Cheque Services Some banks charge for clearing cheques more quickly than the standard period (this can range from three to seven days depending on the banks involved and the day of the week) There may also be fees for processing cheques in a foreign currency Taking Money Out Sometimes customers need to set up direct debits, where companies take certain sums from a bank account each month They may also wish to set up standing orders, where they arrange to pay a certain amount to another bank account or company each month Some banks charge a setup fee for these services It is also worth looking at the daily withdrawal limit on a current account This can vary widely depending on the bank you choose Other Bank Charges Banks may also charge for other services such as: 1 setting up a loan facility 2 changing or issuing foreign currency 3 writing cheques that exceed the cleared balance in an account 4 stopping a lost cheque Banks will also charge customers if they have to write to them about an infraction of bank rules, such as exceeding the overdraft limit or defaulting on loan repayments This means that defaulting customers have to repay the debt as well as the additional charges Doing some research could save consumers a small fortune in bank charges In addition for looking for incentives, consumers should look for banks that keep their charges as low as possible With a bit of digging, it is easy to find banks with: 5 an automatic overdraft limit for which there is no charge 6 free standing orders and direct debits 7 free transfers between banks 8 low unauthorised overdraft fees 9 low charges for other bank transactions Choosing a bank that fits this profile will help with overall financial health Joe Kenny writes for SelectLoanscouk, a UK personal loans comparison site, visit us today for information on all loan topics including secured loans and links to leading UK providers Our Site: http://wwwselectloanscouk/ Article Source: http://EzineArticlescom/?expert=JosephKenny ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/what-is-your-bank-charging-you-a-guide-to-bank-charges/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Business Cash Advance – The Method Of Choice For Small Business Finance</title>
		<link>http://www.crumbtrail.net/business-cash-advance-%e2%80%93-the-method-of-choice-for-small-business-finance/</link>
		<comments>http://www.crumbtrail.net/business-cash-advance-%e2%80%93-the-method-of-choice-for-small-business-finance/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:06:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[advance]]></category>
		<category><![CDATA[advances]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[collateral]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[notion]]></category>
		<category><![CDATA[proceeds]]></category>
		<category><![CDATA[receipts]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[sharks]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/business-cash-advance-%e2%80%93-the-method-of-choice-for-small-business-finance/</guid>
		<description><![CDATA[ Business cash advance is one of the easiest ways to maintain a healthy cash flow and meet the necessary cash availability for the day-to-day business activities It is a relatively new method of financing your short-term cash needs compared to business loans, however it is much safer and easier on the purse from a borrower’s perspective While many people are quite apprehensive about business cash advance companies and have a pre-conceived notion that they are just the same old loan sharks in a new disguise, the fact is that business cash advance and business loans are totally different With business loans comes the liability of repaying back according to predetermined schedule, there is always a risk of defaulting and the fear of loosing your credit score However, business cash advance is a much easier process and the repayment is done through Visa or Master card sales receipts Payments received through Visa and Master cards are accounted for repaying the cash advance amount and no other sales proceeds are involved This helps the borrower to repay the business cash advance easily while maintaining a steady income through other sales receipts Not just repayment is easy with business cash advance but it is also easier to get a business cash advance compared to a small business loan While to get a business loan the borrower would have to go through a lot of documentation and will also probably require some suitable collateral, getting a business cash advance is much easier The paperwork is comparatively less and the cash advances are approved comparatively faster Also, while some companies would ask for collateral most companies would not require any collateral to offer a business cash advance The biggest advantage that business cash advance has over a traditional business loan is that the borrower is not personally liable to repay a cash advance In case of a business loan the borrower is personally liable and if the borrower is unable to repay the loans there is always a risk of losing personal assets that are often being used as a collateral For business cash advance the repayment is done through credit card sales receipt and the borrower’s personal assets remain untouched Business cash advance has gained acceptance among small business entrepreneurs and is trend shows an increasing popularity over the last few years This is further more expedited by the continuous advertisements done by the cash advance companies through all possible media Given the host of advantages and the aggressive marketing technique of the cash advance companies it can be safely said that business cash advance is going to be financing method of choice for most small business entrepreneurs in the years to come This article is written by Ray Smith, a marketing expert with years of experience in different industries and specialized knowledge on branding and Internet marketing Business cash advance - Unsecured Business Loans Article Source: http://EzineArticlescom/?expert=RaySmith ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/business-cash-advance-%e2%80%93-the-method-of-choice-for-small-business-finance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Introductory Rate Credit Cards: Some Popular Features</title>
		<link>http://www.crumbtrail.net/introductory-rate-credit-cards-some-popular-features/</link>
		<comments>http://www.crumbtrail.net/introductory-rate-credit-cards-some-popular-features/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:05:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[introductory]]></category>
		<category><![CDATA[issuer]]></category>
		<category><![CDATA[months]]></category>
		<category><![CDATA[percentage]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[variable]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/introductory-rate-credit-cards-some-popular-features/</guid>
		<description><![CDATA[ Using introductory rate credit cards has become a popular way for UK borrowers to manage credit card debt Introductory rate credit cards offer borrowers a preferential interest rate when they first sign up for a new card There are three main ways in which this can happen All of the ways offer significant advantages for credit card borrowers 0% Balance Transfers The one that is most appealing to consumers is the 0% balance transfer offer This offers a nil rate of interest on balances transferred to a particular credit card There is usually a limit to how long this offer applies, but this can vary from three to 12 months, so most people will be able to find an offer that suits them The trick to using 0% balance transfers effectively is to move balances from card to card before the expiry of the offer period This is known as rate surfing Credit card companies don't like it, because it loses them hundreds of thousands in interest For consumers, however, rate surfing offers the chance to clear some or all of an outstanding debt This is because payments to 0% cards reduce the debt each month instead of being applied to interest Fixed Low Balance Transfer Rate Another typical introductory credit card incentive is a fixed low interest rate for the lifetime of a balance transfer That means that the lower interest rate will apply for as long as the debt remains on the credit card For example, if the standard variable interest rate is 139%, a credit card issuer might offer a reduced rate of 49% This is a good option for borrowers who have a loan or debt on which they are paying a higher interest rate Transferring to this kind of deal can save consumers hundreds of pounds and can help them to repay debt more quickly With this kind of deal, there is little advantage to rate surfing unless another card issuer is offering a better preferential rate Permanent Low Rate A third type of credit card incentive offers a low rate on spending on the card This is usually a few percentage points below the standard variable rate This type of offer can be a good option for consumers who spend regularly on their credit cards This is because most balance transfer offers have higher rates for other types of transactions such as purchases, cash withdrawals and credit card cheques Other Features Of Introductory Rate Credit Cards As if low rates were not enough, many credit card issuers offer other incentives to new customers These include: - the ability to contribute to charity by using a particular credit card - discounts off purchases from particular manufacturers - cash back on purchases - additional insurance on purchases or travel Many credit card companies have got wise to rate surfing and now apply a one-off charge for balance transfers It is worth shopping around to get the best combination of interest rates and other incentives Joe Kenny writes for the Card Guide, a UK based credit cards site, visit today for introductory balance transfers and start clearing credit card debt today Visit today: http://wwwcardguidecouk/ Article Source: http://EzineArticlescom/?expert=JosephKenny ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/introductory-rate-credit-cards-some-popular-features/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Bounced Cheques Mean Bad Business</title>
		<link>http://www.crumbtrail.net/why-bounced-cheques-mean-bad-business/</link>
		<comments>http://www.crumbtrail.net/why-bounced-cheques-mean-bad-business/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:05:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[businesses]]></category>
		<category><![CDATA[charges]]></category>
		<category><![CDATA[cheques]]></category>
		<category><![CDATA[french]]></category>
		<category><![CDATA[micro]]></category>
		<category><![CDATA[steep]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/why-bounced-cheques-mean-bad-business/</guid>
		<description><![CDATA[ Small businesses rely heavily on maintaining a good cash flow and having their clients pay on time So when half of the UK's small businesses are suffering from poor cash flow that is bad news for small businesses Recent research shows that small, medium and large companies have had many bounced cheques Micro companies, with less than 10 employees, have been less affected One way in which this can happen is when someone pays a business by cheque for goods or services The business pays it into their bank The prudent business owner checks that the cheque has cleared and writes out new cheques based on the money that is in the business bank account It later turns out that the cheque hadn't cleared at all and the business owner is now overdrawn and in debt This means steep bank charges and makes it less likely that business facilities will be extended in the future Understanding The Cheque Clearing System Most people know that a cheque takes anywhere from three to seven working days to clear The date that a cheque clears depends on: 1 The currency that the cheque is in Sterling cheques in the UK clear more quickly than cheques in French francs, for example 2 Whether the bank that has issued the cheque is in the same group of companies as the bank the cheque is being paid into Cheques usually take longer to clear when paid outside the banking group 3 Whether the cheque is paid in on a business day What most people don't know is that most banks 'clear' cheques when the normal clearing period has elapsed This sometimes happens before the bank has verified that the funds are available The bank makes the amount of the cheque available for withdrawal but it hasn't really cleared Some unscrupulous people can use this to their advantage For example, they could pay by cheque for goods or services, write the wrong amount on the cheque, ask for a refund and disappear with the money well before the cheque clearing process is complete When the original cheque bounces, it is the small business that is left facing an angry bank manager and a large bill Payment Help For Businesses Luckily, there are other ways for businesses to receive money from their customers The first is the Banks Automated Clearing System (BACS) This is a secure system in which payments take only three days to clear This system is commonly used to pay salary cheques directly to employee's bank accounts A more costly system (with fees around £25 per transaction) is the Clearing House Automated Payment System (CHAPS) This system allows same day electronic money transfers Business owners who are worried about being left with a large debt should consider getting their customers to pay by one of these systems where possible This will reduce the high business cost of bounced cheques Joe Kenny writes for SelectLoanscouk, a UK personal loans comparison site, visit us today for information on all loan topics including secured loans and links to leading UK providers Our Site: http://wwwselectloanscouk/ Article Source: http://EzineArticlescom/?expert=JosephKenny ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/why-bounced-cheques-mean-bad-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Find Good Balance Transfer Cards</title>
		<link>http://www.crumbtrail.net/how-to-find-good-balance-transfer-cards/</link>
		<comments>http://www.crumbtrail.net/how-to-find-good-balance-transfer-cards/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:05:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[card]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[fixed]]></category>
		<category><![CDATA[fortune]]></category>
		<category><![CDATA[managing]]></category>
		<category><![CDATA[offers]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[rating]]></category>
		<category><![CDATA[repayments]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[standard]]></category>
		<category><![CDATA[transfer]]></category>
		<category><![CDATA[variable]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/how-to-find-good-balance-transfer-cards/</guid>
		<description><![CDATA[ If you have a credit card you're likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card Credit card balance transfers are an easy option for managing credit Some people switch their balances from card to card to take advantage of each new offer This is known as card jumping or rate surfing Credit card balance transfer offers can also be used to reduce the interest paid on bank loans or other loans If the credit limit is high enough, you may even be able to pay off the loans completely Some credit cards provide credit card cheques for this purpose, but you'll need to be careful Some credit card cheques have higher interest rates than the credit card itself, so read the fine print very carefully Some credit cards also allow you to transfer the balance from store cards This can be useful after an intensive shopping spree! Types Of Balance Transfers There are two main types of credit card balance transfer offer Many credit card companies offer users the chance to transfer balances for a rate of 0% for a fixed period, such as six or nine months Once this offer has expired, the interest rate on the transferred balance will revert to the standard variable rate, which is likely to be considerably higher The best way to take advantage of 0% balance transfer offers without ending up with higher interest rates is to get a new credit card about a month before the balance transfer offer expires Then you can transfer the outstanding balance on your old credit card to a new card and continue to save money on credit card repayments Remember not to apply for too many new cards at once, as this could damage your credit rating The second type of balance transfer offer is one that offers a fixed rate on the money transferred for as long as it remains on the credit card This may be a good option if you're currently paying interest at a higher rate These offers tend to offer a rate of around 5% which is considerably lower than standard interest rates With this type of offer, there's no need to worry about transferring balances every few months Credit Card Purchase Rates With this type of offer, it's best to check the rate that applies to purchases Credit cards that offer a low balance transfer rate often have a higher rate for any spending on the credit card It is also common to take any payments you make off the lower rate total first, which means you could end up paying quite a bit for spending on the card Each type of balance transfer offer has advantages depending on the amount of debt you have, how you spend and how you plan to pay off the credit card balance Some credit cards and store cards have annual percentage rates that are well over 20% Shopping around for a balance transfer card could save hundreds Joe Kenny writes for Credit Card Guide, offering the latest information on uk credit cards in the UK, visit them today us to apply for a best balance transfers and start clearing credit card debt today Visit today: http://wwwcardguidecouk/ Article Source: http://EzineArticlescom/?expert=JosephKenny ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/how-to-find-good-balance-transfer-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Freddie Mac To Provide Monthly Disclosures</title>
		<link>http://www.crumbtrail.net/freddie-mac-to-provide-monthly-disclosures/</link>
		<comments>http://www.crumbtrail.net/freddie-mac-to-provide-monthly-disclosures/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 22:05:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[accounting]]></category>
		<category><![CDATA[article]]></category>
		<category><![CDATA[backed]]></category>
		<category><![CDATA[freddie]]></category>
		<category><![CDATA[hundreds]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[rising]]></category>
		<category><![CDATA[source]]></category>
		<category><![CDATA[web]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/freddie-mac-to-provide-monthly-disclosures/</guid>
		<description><![CDATA[ Freddie Mac will begin providing monthly updates on loans used as collateral The GSE is looking to attract investors for its mortgage backed securities Beginning in August, Freddie Mac will provide monthly disclosures on loan-levels for single-family, fixed-rate and adjustable-rate mortgage PC securities issued after December 1, 2005 The company believes the increased reports will help investors determine how quickly bonds will be repaid By increasing the level of information, Freddie is hoping to draw in investors "Today's announcement illustrates our continued commitment to providing the market transparent disclosures on our mortgage-backed securities," said Phil Guth, Freddie Mac vice president of mortgage securitization "We believe that providing investors timely, transparent mortgage securities disclosure promotes our mission to provide liquidity, stability and affordability to America's home financing system" Freddie Mac currently has $14 trillion in mortgage bonds outstanding The company is the second largest buyer of home loans in the nation It has been struggling with a fairly recent accounting scandal, as it's twin -- Fannie Mae -- has Mortgage bonds are susceptible to rising interest rates When homeowners remain in their homes longer than expected, the speed of return on the principal to the investor slows Bonds are also known to suffer when rates fall, due to the loans being repaid more quickly Investors like to look for younger loans, as they are less likely to be refinanced Martin Lukac represents http://wwwRateEmpirecom and http://www1AmericanFinancialcom, a finance web-company specializing in real estate and mortgage rates We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more Find low home loan mortgage interest rates from hundreds of mortgage companies! Article Source: http://EzineArticlescom/?expert=MartinLukac ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/freddie-mac-to-provide-monthly-disclosures/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying Off Debt Vs Investment</title>
		<link>http://www.crumbtrail.net/paying-off-debt-vs-investment/</link>
		<comments>http://www.crumbtrail.net/paying-off-debt-vs-investment/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 13:31:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[bucci]]></category>
		<category><![CDATA[convenience]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[joshua]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[paying]]></category>
		<category><![CDATA[rate]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[rating]]></category>
		<category><![CDATA[repayment]]></category>
		<category><![CDATA[return]]></category>
		<category><![CDATA[roads]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/paying-off-debt-vs-investment/</guid>
		<description><![CDATA[Most of us come to this cross roads in life, which with the excess money, is it advisable to pay off the debt or to invest Joshua Kennon, an advisor on debt management is of the following view Debt can be categorized into two types one with high rate of interest and second with lower rate of interest Credit Cards belong to the first category, they demand higher rate of interest and hence when an individual has more debt in the form of credit card repayment, it is only advisable for him to go ahead and pay off the interest occurring from the credit card and not think about the investment In case of the second categories of debt, which is lower rate then it, is advisable that he invests in those investments, which gives higher returns According to Mr Kennon two things must be taken into consideration, a What is the rate of return of the investments? ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/paying-off-debt-vs-investment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Selling Your Property On The Internet</title>
		<link>http://www.crumbtrail.net/selling-your-property-on-the-internet/</link>
		<comments>http://www.crumbtrail.net/selling-your-property-on-the-internet/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 13:31:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[appeal]]></category>
		<category><![CDATA[equivalent]]></category>
		<category><![CDATA[magazines]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[result]]></category>
		<category><![CDATA[source]]></category>
		<category><![CDATA[uploading]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/selling-your-property-on-the-internet/</guid>
		<description><![CDATA[Should you sell your property on the internet? ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/selling-your-property-on-the-internet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>For Sale By Owner And The Web</title>
		<link>http://www.crumbtrail.net/for-sale-by-owner-and-the-web/</link>
		<comments>http://www.crumbtrail.net/for-sale-by-owner-and-the-web/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 13:30:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[landscape]]></category>
		<category><![CDATA[multiple]]></category>
		<category><![CDATA[present]]></category>
		<category><![CDATA[quality]]></category>
		<category><![CDATA[realtors]]></category>
		<category><![CDATA[saver]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[united]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/for-sale-by-owner-and-the-web/</guid>
		<description><![CDATA[Unless you have been living under a rock, you know the Internet has radically changed society In real estate, this has led to a massive surge in for sale by owner properties on the web For Sale By Owner and the Web In the past, choosing to go the path of “For Sale By Owner” could turn out to be incredibly difficult and overbearing Realtors dominated the market because they had proprietary access to the multiple listing service, known as MLS, and you had to be listed in it if you wanted your property to be seen Thankfully, the Internet has made selling a home yourself incredibly easy in a variety of ways If we flash back 10 years to the pre-internet days, we would find a real estate market that looks foreign to what we have today In that market, the number one method for selling your home was to list it in the multiple listing service controlled by real estate agents This, of course, allowed them to get their hooks into you and squeeze out a commission regardless of the quality of service they provided If we flash forward to the present day, we find a new landscape A 2005 study of homebuyers across the United States revealed a fact that most realtors are loath to admit to, but know exists Over 70 percent of homebuyers shop for potential properties on the internet Yes, seven out of every 10 are hopping online and finding the property of their dreams Why? ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/for-sale-by-owner-and-the-web/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Important Role Of Brokers</title>
		<link>http://www.crumbtrail.net/the-important-role-of-brokers/</link>
		<comments>http://www.crumbtrail.net/the-important-role-of-brokers/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 13:30:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[brokers]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[foreign]]></category>
		<category><![CDATA[forex]]></category>
		<category><![CDATA[japanese]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[package]]></category>
		<category><![CDATA[residential]]></category>

		<guid isPermaLink="false">http://www.crumbtrail.net/the-important-role-of-brokers/</guid>
		<description><![CDATA[Brokers are professionals who play an important role in mediating between a lender and a borrower Brokers collect personal information about the client for the lender including employment and medical history They also provide the clients' financial and credit information to the lender There are many different types of brokers Below are the more sought-after brokers: Mortgage broker: mortgage brokers guide customers through the process of selecting a suitable mortgage package with competitive package offers They also offer financial advice on mortgage and property Their job is to find a mortgage package that meets the borrower's needs, and to help the client process and complete their mortgage application form In the United States, mortgage brokers negotiate over 80% of home loans issued Banks go through brokers to effectively outsource the job of finding and qualifying borrowers Real estate broker: real estate brokers finds buyers for those wanting to sell real estate and finds sellers for those wanting to buy real estate Real estate brokers help sellers market their property and sell it for the highest possible price; they also help buyers purchase property for the best possible price Once the broker successfully finds a buyer, the real estate broker receives a commission for his or her service In the US a 6% commission is usually the case for residential real estate and is usually paid by the seller This is generally split 50/50 between the listing agent and the selling agent Forex broker: forex brokers are firms or individuals, who assist individuals or firms to trade in the foreign exchange market Forex brokers make money from pip or "spread" A spread is the minimum price increase in currency For instance, in Euro/US Dollar, a shift from 09007 to 09008 is one spread In US Dollar/Japanese Yen, a shift from 12740 to 12741 is one spread Stockbroker: a stockbroker is a person or company who buys and sells stocks on behalf of another person or company, and tries to match up buyers and sellers Many people seek the advice of and pay for the services of a stockbroker to help them in making informed decisions about their finances with the knowledgeable and interactive guidance of a licensed stockbroker Insurance broker: insurance brokers source contracts of insurance on behalf of their customers An insurance broker will help you to choose the best to fit your needs An investor looking for an investment avenue will benefit greatly from using a broker, as brokers tend to be more up-to-date with trends and happenings in the market Also as per law the broker has a fiduciary duty to advise the customer in the customer's best interest ]]></description>
		<wfw:commentRss>http://www.crumbtrail.net/the-important-role-of-brokers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
