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	<title>Moneyland &#187; Martha C. White</title>
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	<description>Financial Insights from Your Wallet to Wall Street</description>
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		<title>Moneyland &#187; Martha C. White</title>
		<link>http://moneyland.time.com</link>
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		<title>Students Lose When Financial Aid Goes Onto Fee-Laden Debit Cards</title>
		<link>http://moneyland.time.com/2012/05/31/students-lose-when-financial-aid-goes-onto-fee-laden-debit-cards/</link>
		<comments>http://moneyland.time.com/2012/05/31/students-lose-when-financial-aid-goes-onto-fee-laden-debit-cards/#comments</comments>
		<pubDate>Thu, 31 May 2012 13:00:01 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Educational Financing]]></category>
		<category><![CDATA[Paying With Plastic]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[college funding]]></category>
		<category><![CDATA[Debit card fees]]></category>
		<category><![CDATA[federal student loans]]></category>
		<category><![CDATA[Student loan debt]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39963</guid>
		<description><![CDATA[Thought the student loan crisis was bad as it is? Now add hefty fees into that mix. Providers say students can avoid the fees that pile up when they elect to receive their financial aid on a debit card, but new research from a consumer advocacy group finds that these companies throw up roadblocks to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39963&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/31/students-lose-when-financial-aid-goes-onto-fee-laden-debit-cards/feed/</wfw:commentRss>
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			<media:title type="html">marthacwhite</media:title>
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		<item>
		<title>More Americans Rely on Credit Cards for Basics Like Food and Gas</title>
		<link>http://moneyland.time.com/2012/05/30/more-americans-rely-on-credit-cards-for-basics-like-food-and-gas/</link>
		<comments>http://moneyland.time.com/2012/05/30/more-americans-rely-on-credit-cards-for-basics-like-food-and-gas/#comments</comments>
		<pubDate>Wed, 30 May 2012 16:20:33 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Paying With Plastic]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39855</guid>
		<description><![CDATA[Americans are increasingly dependent on credit cards just to put food on the table and keep the lights on, a new study shows. Although we&#8217;re doing a better job overall paying our bills on time these days, many people are relying on more easily attainable credit just to keep their heads above water. With no [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39855&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/30/more-americans-rely-on-credit-cards-for-basics-like-food-and-gas/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Credit cards</media:title>
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			<media:title type="html">marthacwhite</media:title>
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	</item>
		<item>
		<title>The Growing Debate Over Prepaid Debit Cards</title>
		<link>http://moneyland.time.com/2012/05/29/the-growing-debate-over-prepaid-debit-cards/</link>
		<comments>http://moneyland.time.com/2012/05/29/the-growing-debate-over-prepaid-debit-cards/#comments</comments>
		<pubDate>Tue, 29 May 2012 18:17:23 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Reform]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[cfpb]]></category>
		<category><![CDATA[low-income]]></category>
		<category><![CDATA[prepaid debit card]]></category>
		<category><![CDATA[prepaid debit cards]]></category>
		<category><![CDATA[Reloadable Prepaid Cards]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39615</guid>
		<description><![CDATA[At an event in Durham, N.C. on Wednesday, Consumer Financial Protection Bureau director Richard Cordray announced that the agency is &#8220;decid[ing] how we should go about regulating prepaid cards to better protect consumers and to provide clear rules for prepaid providers.&#8221; The rapidly growing prepaid market is attracting both banks and non-banks, and more Americans, especially [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39615&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/29/the-growing-debate-over-prepaid-debit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">marthacwhite</media:title>
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	</item>
		<item>
		<title>L.A. Parents Pony Up For Kids&#8217; V.I.P. Lounge Access at Sixth-Grade Dance</title>
		<link>http://moneyland.time.com/2012/05/25/l-a-parents-pony-up-for-kids-v-i-p-lounge-access-at-sixth-grade-dance/</link>
		<comments>http://moneyland.time.com/2012/05/25/l-a-parents-pony-up-for-kids-v-i-p-lounge-access-at-sixth-grade-dance/#comments</comments>
		<pubDate>Fri, 25 May 2012 16:33:15 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[1 Percent]]></category>
		<category><![CDATA[conscious spending]]></category>
		<category><![CDATA[Prom]]></category>
		<category><![CDATA[school]]></category>
		<category><![CDATA[self-esteem]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39755</guid>
		<description><![CDATA[Most middle-school kids have better things to think about than whether or not they&#8217;re members of the 1%. But one Los Angeles charter school upped the ante on the usual social anxieties of its annual dance when it installed a &#8220;V.I.P. lounge&#8221; — with a separate cover charge. On top of the $15 dance admission, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39755&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/25/l-a-parents-pony-up-for-kids-v-i-p-lounge-access-at-sixth-grade-dance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<media:title type="html">kids vip access</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>What Student Debt Crisis? Survey Says We&#8217;ll Spend $5 Billion on Graduation Gifts</title>
		<link>http://moneyland.time.com/2012/05/24/what-student-debt-crisis-survey-says-well-spend-5-billion-on-graduation-gifts/</link>
		<comments>http://moneyland.time.com/2012/05/24/what-student-debt-crisis-survey-says-well-spend-5-billion-on-graduation-gifts/#comments</comments>
		<pubDate>Thu, 24 May 2012 17:52:24 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[graduation gifts]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[Student loan debt]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39701</guid>
		<description><![CDATA[A new survey shows that Americans will collectively spend more than $4.7 billion on gifts for students graduating college or high school this year. For some perspective, our country&#8217;s collective student loan debt has cracked the trillion-dollar mark and shot past totals for both credit-card debt and car loans. According to student loan education site [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39701&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/24/what-student-debt-crisis-survey-says-well-spend-5-billion-on-graduation-gifts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Gift</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
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	</item>
		<item>
		<title>The Top 5 Flexible Travel Rewards Credit Cards</title>
		<link>http://moneyland.time.com/2012/05/24/the-top-5-flexible-travel-rewards-credit-cards/</link>
		<comments>http://moneyland.time.com/2012/05/24/the-top-5-flexible-travel-rewards-credit-cards/#comments</comments>
		<pubDate>Thu, 24 May 2012 14:00:34 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Paying With Plastic]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[APRs]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[Rewards Programs]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[Travel Rewards]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39566</guid>
		<description><![CDATA[Memorial Day is right around the corner, and summer vacations are top of mind. How are you going to pay for your trip? Credit card issuers are constantly piling on perks to attract new customers, and those with good credit who play their cards right can score big bonuses—which will help them afford their next [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39566&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/24/the-top-5-flexible-travel-rewards-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/10/88621207-e1317924647724.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/10/88621207-e1317924647724.jpg?w=240" medium="image">
			<media:title type="html">Credit cards</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
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	</item>
		<item>
		<title>10 Ways to Improve Your Financial Health (Even If You Only Do One)</title>
		<link>http://moneyland.time.com/2012/05/24/10-ways-to-improve-your-financial-health-even-if-you-only-do-one/</link>
		<comments>http://moneyland.time.com/2012/05/24/10-ways-to-improve-your-financial-health-even-if-you-only-do-one/#comments</comments>
		<pubDate>Thu, 24 May 2012 13:00:45 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Refinancing]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Retirement Savings]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39132</guid>
		<description><![CDATA[We tapped 10 experts in saving, spending and budgeting and asked each of them to offer their single most important piece of advice for people who want to improve their finances.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39132&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/24/10-ways-to-improve-your-financial-health-even-if-you-only-do-one/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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			<media:title type="html">Budget</media:title>
		</media:content>

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			<media:title type="html">marthacwhite</media:title>
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	</item>
		<item>
		<title>The Fee That Credit Card Issuers Are Leaving Behind</title>
		<link>http://moneyland.time.com/2012/05/23/the-fee-that-credit-card-issuers-are-leaving-behind/</link>
		<comments>http://moneyland.time.com/2012/05/23/the-fee-that-credit-card-issuers-are-leaving-behind/#comments</comments>
		<pubDate>Wed, 23 May 2012 15:49:01 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[affluent]]></category>
		<category><![CDATA[Chase]]></category>
		<category><![CDATA[Citi]]></category>
		<category><![CDATA[Credit card fees]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[Discover]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[foreign currency fee]]></category>
		<category><![CDATA[foreign transaction fee]]></category>
		<category><![CDATA[rich]]></category>
		<category><![CDATA[Travel Rewards]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39579</guid>
		<description><![CDATA[Banks, the thinking goes, have never met a fee they didn&#8217;t like. Yet one credit card charge that has been standard for years—the &#8220;foreign transaction&#8221; or &#8220;foreign currency&#8221; fee, which tacks on an extra 3% or so to every hotel stay, meal, or tchotchke purchased outside the U.S.—is slowly but surely being dropped by more [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39579&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/23/the-fee-that-credit-card-issuers-are-leaving-behind/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<media:content url="http://timecheapskate.files.wordpress.com/2011/07/creditcards.jpg?w=240" medium="image">
			<media:title type="html">Credit Cards</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Why This May Be the Ideal Time to Buy Real Estate</title>
		<link>http://moneyland.time.com/2012/05/21/why-this-may-be-the-ideal-time-to-buy-real-estate/</link>
		<comments>http://moneyland.time.com/2012/05/21/why-this-may-be-the-ideal-time-to-buy-real-estate/#comments</comments>
		<pubDate>Mon, 21 May 2012 16:13:36 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Real Estate Markets]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[rentals]]></category>
		<category><![CDATA[Renting Out Condos]]></category>
		<category><![CDATA[Renting Out Foreclosures]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39373</guid>
		<description><![CDATA[You can still take advantage of low prices in most places around the country, and mortgage rates are at once-in-a-lifetime record lows: 30- and 15-year fixed mortgages are around 4% and 3%, respectively.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39373&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/21/why-this-may-be-the-ideal-time-to-buy-real-estate/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<media:content url="http://timecheapskate.files.wordpress.com/2012/02/houses1.jpg?w=240" medium="image">
			<media:title type="html">Houses</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>We&#8217;re Finally Paying Our Bills On Time: Can We Stick With It?</title>
		<link>http://moneyland.time.com/2012/05/18/were-finally-paying-our-bills-on-time-can-we-stick-with-it/</link>
		<comments>http://moneyland.time.com/2012/05/18/were-finally-paying-our-bills-on-time-can-we-stick-with-it/#comments</comments>
		<pubDate>Fri, 18 May 2012 15:49:13 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Credit Card Applications]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39288</guid>
		<description><![CDATA[The number of retail credit card accounts in late-stage delinquency is at a six-year low, according to Fitch Ratings, and charge-offs are down 38% from a little over two years ago. But will this new stability last?<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39288&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/18/were-finally-paying-our-bills-on-time-can-we-stick-with-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/a88621168.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/a88621168.jpg?w=240" medium="image">
			<media:title type="html">Credit cards</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Your Personal Info Might Be on Facebook — Even if You Aren&#8217;t</title>
		<link>http://moneyland.time.com/2012/05/18/your-personal-info-might-be-on-facebook-even-if-you-arent/</link>
		<comments>http://moneyland.time.com/2012/05/18/your-personal-info-might-be-on-facebook-even-if-you-arent/#comments</comments>
		<pubDate>Fri, 18 May 2012 10:00:52 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Odd Spending]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Facebook Profile]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[Privacy]]></category>
		<category><![CDATA[Social Networking]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39289</guid>
		<description><![CDATA[Think staying off social-networking sites will help you preserve your privacy? Think again. In a new study, German researchers found that they could find substantial amounts of personal information about people who weren&#8217;t Facebook members just by seeing what their friends who were on Facebook posted about them. The researchers were able to figure out [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39289&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/18/your-personal-info-might-be-on-facebook-even-if-you-arent/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/07/facebook.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/07/facebook.jpg?w=240" medium="image">
			<media:title type="html">Facebook</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>ATMs with a Human Touch: How New ATMs May Replace Bank Tellers</title>
		<link>http://moneyland.time.com/2012/05/17/will-new-atms-replace-bank-tellers/</link>
		<comments>http://moneyland.time.com/2012/05/17/will-new-atms-replace-bank-tellers/#comments</comments>
		<pubDate>Thu, 17 May 2012 15:17:54 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[ATMs]]></category>
		<category><![CDATA[bank branch]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[bank teller]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[credit unions]]></category>
		<category><![CDATA[DIY]]></category>
		<category><![CDATA[JPMorgan Chase]]></category>
		<category><![CDATA[NCR]]></category>
		<category><![CDATA[self-service]]></category>
		<category><![CDATA[uGenius]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39195</guid>
		<description><![CDATA[ATMs are getting a new face — literally, a human face. Some bank customers are already encountering what might be called ATM cyborgs, in which a machine includes a screen showing a bank teller's head. The teller, in a remote location connected via webcam, is able to perform tasks that traditionally have been handled only by bank employees in person, such as check cashing.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39195&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/17/will-new-atms-replace-bank-tellers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/a144481724.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/a144481724.jpg?w=240" medium="image">
			<media:title type="html">ATM</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Want to Buy a Foreclosure? Here&#8217;s What You Need to Know</title>
		<link>http://moneyland.time.com/2012/05/16/want-to-buy-a-foreclosure-heres-what-you-need-to-know/</link>
		<comments>http://moneyland.time.com/2012/05/16/want-to-buy-a-foreclosure-heres-what-you-need-to-know/#comments</comments>
		<pubDate>Wed, 16 May 2012 13:00:24 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Market]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38724</guid>
		<description><![CDATA[Foreclosures are up in 26 of the 50 largest metro areas in the country, according to a quarterly report released by foreclosure site RealtyTrac.com. This is good news for bargain hunters and intrepid home buyers who want to get a cheap house. If you're planning to buy a foreclosed home, though, there are some things you need to know before taking the plunge. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38724&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/16/want-to-buy-a-foreclosure-heres-what-you-need-to-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Fuse /Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/foreclosure.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/foreclosure.jpg?w=240" medium="image">
			<media:title type="html">Foreclosure</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Don&#8217;t Fall For a Facebook IPO Scam</title>
		<link>http://moneyland.time.com/2012/05/15/dont-fall-for-a-facebook-ipo-scam/</link>
		<comments>http://moneyland.time.com/2012/05/15/dont-fall-for-a-facebook-ipo-scam/#comments</comments>
		<pubDate>Tue, 15 May 2012 13:00:02 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Scams]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Financial Scam]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Ponzi scheme]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39099</guid>
		<description><![CDATA[If somebody offers you exclusive access to IPO or pre-IPO shares, chances are good that they're peddling a scam.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39099&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/15/dont-fall-for-a-facebook-ipo-scam/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/02/facebook_ads_0227.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/02/facebook_ads_0227.jpg?w=240" medium="image">
			<media:title type="html">Facebook</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>More Americans Have FICO Scores of 800+</title>
		<link>http://moneyland.time.com/2012/05/14/more-americans-have-fico-scores-of-800/</link>
		<comments>http://moneyland.time.com/2012/05/14/more-americans-have-fico-scores-of-800/#comments</comments>
		<pubDate>Mon, 14 May 2012 15:54:44 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Average Credit Score]]></category>
		<category><![CDATA[Borrowing]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Raise Credit Score]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=39045</guid>
		<description><![CDATA[Could this be a light at the end of the credit crisis tunnel? According to new research from Fair Isaac Corporation, the company responsible for FICO scores, the percentage of Americans with top-notch credit scores is the best it&#8217;s been since 2008. In addition, the number of people in the bottom tier of the credit [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=39045&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/14/more-americans-have-fico-scores-of-800/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Small Claims, Big Wins: When David Takes Goliath to Court</title>
		<link>http://moneyland.time.com/2012/05/14/small-claims-big-wins-when-david-takes-goliath-to-court/</link>
		<comments>http://moneyland.time.com/2012/05/14/small-claims-big-wins-when-david-takes-goliath-to-court/#comments</comments>
		<pubDate>Mon, 14 May 2012 12:45:49 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[Smart Spending]]></category>
		<category><![CDATA[Apple]]></category>
		<category><![CDATA[AT&T]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[Comcast]]></category>
		<category><![CDATA[consumer advocates]]></category>
		<category><![CDATA[Consumer Protections]]></category>
		<category><![CDATA[Dell]]></category>
		<category><![CDATA[Honda]]></category>
		<category><![CDATA[Justice]]></category>
		<category><![CDATA[Kmart]]></category>
		<category><![CDATA[lawsuits]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Spirit Airlines]]></category>
		<category><![CDATA[Walmart]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38243</guid>
		<description><![CDATA[These 10 people were more tenacious than the average wronged customer. When efforts to rectify their problems via customer-service channels failed, they took their grievances to small-claims court. It's a drastic step, for sure, but it paid off. Not only did they get reimbursed for their trouble, they also got the rare satisfaction of winning a fight against a much bigger opponent.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38243&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/14/small-claims-big-wins-when-david-takes-goliath-to-court/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Getty Images</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/giant.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/giant.jpg?w=240" medium="image">
			<media:title type="html">Giant</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Should You Get a Prepaid Debit Card?</title>
		<link>http://moneyland.time.com/2012/05/11/should-you-get-a-prepaid-debit-card/</link>
		<comments>http://moneyland.time.com/2012/05/11/should-you-get-a-prepaid-debit-card/#comments</comments>
		<pubDate>Fri, 11 May 2012 17:35:46 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Saving & Spending]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[Debit card fees]]></category>
		<category><![CDATA[Financial Regulation]]></category>
		<category><![CDATA[prepaid debit card]]></category>
		<category><![CDATA[prepaid debit cards]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38849</guid>
		<description><![CDATA[There&#8217;s no question anymore: Prepaid debit cards have shifted from the fringe to the mainstream. The tipping point was Tuesday, when JPMorgan Chase &#38; Co. announced a pilot program to launch a prepaid debit card called Liquid. It&#8217;s currently in 200 branches in two markets and will be available everywhere else this summer. The biggest [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38849&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/11/should-you-get-a-prepaid-debit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/10/creditcardpyramid.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/10/creditcardpyramid.jpg?w=240" medium="image">
			<media:title type="html">Credit Cards</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>For Thousands of Homeowners Behind on BofA Mortgages, Relief May Be in the Mail</title>
		<link>http://moneyland.time.com/2012/05/09/behind-on-your-bank-of-america-mortgage-relief-may-be-in-the-mail/</link>
		<comments>http://moneyland.time.com/2012/05/09/behind-on-your-bank-of-america-mortgage-relief-may-be-in-the-mail/#comments</comments>
		<pubDate>Wed, 09 May 2012 10:45:40 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate & Homes]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[Mortgage Settlement]]></category>
		<category><![CDATA[robosigning]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38758</guid>
		<description><![CDATA[Bank of America announced it has begun mailing letters to the first wave of up to 200,000 homeowners who are eligible for mortgage principal reductions, part of a settlement the bank worked out with the federal government and 49 state attorneys general. In a statement, the bank says homeowners who qualify will see an average [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38758&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/09/behind-on-your-bank-of-america-mortgage-relief-may-be-in-the-mail/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2011/06/bofa2.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2011/06/bofa2.jpg?w=240" medium="image">
			<media:title type="html">Bank of America</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
		</media:content>
	</item>
		<item>
		<title>Why Are Credit Report Errors So Hard to Fix?</title>
		<link>http://moneyland.time.com/2012/05/08/why-are-credit-report-errors-so-hard-to-fix/</link>
		<comments>http://moneyland.time.com/2012/05/08/why-are-credit-report-errors-so-hard-to-fix/#comments</comments>
		<pubDate>Tue, 08 May 2012 18:01:34 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Reform]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Good Credit Score]]></category>
		<category><![CDATA[TransUnion]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38694</guid>
		<description><![CDATA[A yearlong investigation by the Columbus Dispatch has uncovered systemic flaws in the data collection and dispute resolution processes used by the credit bureaus. For Americans who find errors in their credit files, this can mean months of frustration trying to get the mistakes corrected. And during that painful process, many people are denied credit cards, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38694&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/08/why-are-credit-report-errors-so-hard-to-fix/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	<mediaCredit>Illustration by Alexander Ho for TIME</mediaCredit>
		<media:thumbnail url="http://timecheapskate.files.wordpress.com/2012/05/750x1.jpg?w=240" />
		<media:content url="http://timecheapskate.files.wordpress.com/2012/05/750x1.jpg?w=240" medium="image">
			<media:title type="html">Credit Report</media:title>
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			<media:title type="html">marthacwhite</media:title>
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		<item>
		<title>Swipe Fee Caps Are Here &#8212; So Where Are the Savings?</title>
		<link>http://moneyland.time.com/2012/05/07/swipe-fee-caps-are-here-so-where-are-the-savings/</link>
		<comments>http://moneyland.time.com/2012/05/07/swipe-fee-caps-are-here-so-where-are-the-savings/#comments</comments>
		<pubDate>Mon, 07 May 2012 16:15:41 +0000</pubDate>
		<dc:creator>Martha C. White</dc:creator>
				<category><![CDATA[Economics & Policy]]></category>
		<category><![CDATA[Financial Reform]]></category>
		<category><![CDATA[Debit card fees]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[Dodd-Frank]]></category>
		<category><![CDATA[interchange]]></category>
		<category><![CDATA[interchange fees]]></category>

		<guid isPermaLink="false">http://moneyland.time.com/?p=38615</guid>
		<description><![CDATA[One of the most contentious parts of the Dodd-Frank financial reform legislation enacted in the wake of the credit crisis was the Durbin Amendment. You may not know it by name, but you know its primary effect: higher bank fees. It&#8217;s also the reason behind those infamous debit card fees banks were threatening to implement [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=moneyland.time.com&#038;blog=7993914&#038;post=38615&#038;subd=timecheapskate&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://moneyland.time.com/2012/05/07/swipe-fee-caps-are-here-so-where-are-the-savings/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<media:content url="http://timecheapskate.files.wordpress.com/2012/01/creditcard.jpg?w=240" medium="image">
			<media:title type="html">Credit Cards</media:title>
		</media:content>

		<media:content url="http://1.gravatar.com/avatar/9a5a9e4f28beb5afb59b1202632d219a?s=96&#38;d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a11cd5ca435acc9bb6523536%3Fs%3D96&#38;r=G" medium="image">
			<media:title type="html">marthacwhite</media:title>
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