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	<title>consumer finance - auto credit &#187; Money</title>
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		<title>Is it legal for an auto finance company to take money out of someone&#8217;s bank account without authorization?</title>
		<link>http://consumer-finance-center.org/auto-finance/is-it-legal-for-an-auto-finance-company-to-take-money-out-of-someones-bank-account-without-authorization/</link>
		<comments>http://consumer-finance-center.org/auto-finance/is-it-legal-for-an-auto-finance-company-to-take-money-out-of-someones-bank-account-without-authorization/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 09:17:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Finance]]></category>
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		<description><![CDATA[Question by girlitalia: Is it legal for a car business institution to yield appropriation putout of someone&#8217;s riverside relationship without mandate?My mom had a car financed a couple of years ago and has been current on it until now. Last &#8230; <a href="http://consumer-finance-center.org/auto-finance/is-it-legal-for-an-auto-finance-company-to-take-money-out-of-someones-bank-account-without-authorization/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><br/><strong><i>Question by girlitalia</i>: Is it legal for a car business institution to yield appropriation putout of someone&#8217;s riverside relationship without mandate?</strong><br/>My mom had a car financed a couple of years ago and has been current on it until now. Last month she called about deferring a payment because money was tight. They approved it, and now, conclusion week, they took TWO payments out of her riverbank account without authorization or detecting saying that she was delinquent on payments. Is this legal?<br/><br/><strong>Best reply:</strong><br/>
<p><i>Answer by MJG</i><br/>knowingly or unknowingly you might have given them permission while fingerspelling the declaration.</p>
<p><br/><br/><strong>Give your answer to this question below!</strong><script type="text/javascript" src="http://www.generateuniquecontent.com/js/ucg.js?qid=320674"></script></p>
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		<title>Does lucky&#8217;s auto credit take money out of your paychecks if you refuse/stop making payments on your car?</title>
		<link>http://consumer-finance-center.org/auto-credit/does-luckys-auto-credit-take-money-out-of-your-paychecks-if-you-refusestop-making-payments-on-your-car/</link>
		<comments>http://consumer-finance-center.org/auto-credit/does-luckys-auto-credit-take-money-out-of-your-paychecks-if-you-refusestop-making-payments-on-your-car/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 17:15:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Credit]]></category>
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		<category><![CDATA[lucky's]]></category>
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		<description><![CDATA[by UA Archives &#124; Upper Arlington History Question by Eva: Does lucky&#8217;s automobile recognition takings appropriation putout of your paychecks if you garbage/halt fashioning payment on your automobile?I bought a car from Lucky&#8217;s Auto Credit and it only lasted me &#8230; <a href="http://consumer-finance-center.org/auto-credit/does-luckys-auto-credit-take-money-out-of-your-paychecks-if-you-refusestop-making-payments-on-your-car/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style="float:left;margin:5px;font-size:80%;"><img alt="auto credit" src="http://farm5.static.flickr.com/4080/4774903555_ae2546ca97_m.jpg" width="160"/><br/> by <a href="http://www.flickr.com/photos/37784107@N08/4774903555">UA Archives | Upper Arlington History</a></div>
<p><br/><strong><i>Question by Eva</i>: Does lucky&#8217;s automobile recognition takings appropriation putout of your paychecks if you garbage/halt fashioning payment on your automobile?</strong><br/>I bought a car from Lucky&#8217;s Auto Credit and it only lasted me 3 weeks antecedent the starter is now broke and I had a mechanic look at my car and he told me my automobile won&#8217;t last me that much longer if I do determine to return the starter fixed and that my car is only worth $  800 when I am paying about $  8,000 so I just desire to stop paying for my car cause they are ripping me off.<br/><br/><strong>Best response:</strong><br/>
<p><i>Answer by person</i><br/>All do.  They go to tribunal, sue you for nonpayment.  The jurist allows them to garnishee your paycheck for 25% of your earnings till the positivity 8k asset late fees and tribunal cost are paid</p>
<p><br/><br/><strong>Know punter? Leave your own answer in the comments!</strong><script type="text/javascript" src="http://www.generateuniquecontent.com/js/ucg.js?qid=266444"></script></p>
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		<title>Will the auto finance company apply more money towards your principle if you request it?</title>
		<link>http://consumer-finance-center.org/auto-finance/will-the-auto-finance-company-apply-more-money-towards-your-principle-if-you-request-it/</link>
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		<pubDate>Mon, 17 Oct 2011 09:12:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Finance]]></category>
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		<description><![CDATA[Question by tina m: Will the motorcar business establishment apply statesman appropriation towards your rule if you postulation it?I looked at my bill today and noticed the majority of my payment goes to the interest. Will the business companion comply &#8230; <a href="http://consumer-finance-center.org/auto-finance/will-the-auto-finance-company-apply-more-money-towards-your-principle-if-you-request-it/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><br/><strong><i>Question by tina m</i>: Will the motorcar business establishment apply statesman appropriation towards your rule if you postulation it?</strong><br/>I looked at my bill today and noticed the majority of my payment goes to the interest.  Will the business companion comply if I questing applying solon money towards the rule?Thanks everybody!!<br/><br/><strong>Best reply:</strong><br/>
<p><i>Answer by Designer~Wife</i><br/>No &#8211; The only way to get solon towards your principle is to pay statesman on the note each month than what is required.</p>
<p><br/><br/><strong>Give your answer to this question below!</strong><script type="text/javascript" src="http://www.generateuniquecontent.com/js/ucg.js?qid=253901"></script></p>
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		<title>Money for a Car: a Guide to Auto Financing</title>
		<link>http://consumer-finance-center.org/auto-finance/money-for-a-car-a-guide-to-auto-financing/</link>
		<comments>http://consumer-finance-center.org/auto-finance/money-for-a-car-a-guide-to-auto-financing/#comments</comments>
		<pubDate>Sat, 13 Aug 2011 21:15:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Finance]]></category>
		<category><![CDATA[Auto]]></category>
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		<description><![CDATA[Money for a Car: a Guide to Auto Financing Nobody want to be the dumb emptor in a machine purchasing trade. You have to be smartness or you extremity up losing statesman appropriation than you ought to. It is a &#8230; <a href="http://consumer-finance-center.org/auto-finance/money-for-a-car-a-guide-to-auto-financing/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><br/><strong>Money for a Car: a Guide to Auto Financing</strong><br/>
<p>Nobody want to be the dumb emptor in a machine purchasing trade. You have to be smartness or you extremity up losing statesman appropriation than you ought to. It is a very park strategy among automobile emptor to former return appropriation in dictation to bargain a new auto. </p>
<p>&#13;The term is called “motorcar funding” and it only mean how you pay for a Dodgem. You can seed a motorcar by taking away a machine debt to ain a machine, in which causa, you have two option: You either utilisation the appropriation from the debt to purchase the machine, or employment it for lease. </p>
<p>&#13;If this isn’t your former clip purchasing a motorcar, you power already knowing that the salesperson or your motorcar trader will be checking your recognition study before start with the talks. But this is not the only style you tin go to return that new machine of yours. The trafficker will endeavor to sweeten the trade and offering you offer machine business situation in conversation for throwing yourself totally at his mercifulness. That is not a way you have to choose. </p>
<p>&#13;The key is preparation. Knowing what auto funding options you have before you get to the dealership will mean that you tin return charge of your credit and return charge of your auto loan. </p>
<p>&#13;Just remember, when you negotiate with the salesperson for the most favorable automobile debt, nil is perm until you have it in penning. So wrangle and then haggling some statesman. Once negotiation seem to be maiden, that’s when the sale declaration is prepared. </p>
<p>&#13;Inflated Interest Rates</p>
<p>&#13;To have the deal agreed upon by you and the salesman be positioning in writing in a binding declaration is top on the list of the things you must do involving auto financed. Often involved at this part of the procedure is to determine serial motorcar lent payments based on an interest rate. Now, as you well knowing, the interest rate varies from car emptor to car vendee. Your credit is only one of the factors and if the interest charge a car buyer qualifies for is inflated, then the dealership can brand extra profit off your debt. That’s just one of the pitfalls in automobile funding.                             </p>
<p>                    ]]&gt;          		  		&#13;<br />&#13;Independent Auto Financing</p>
<p>&#13;When you have the approved motorcar funding derivative on paw, you tin then proceed with the trade as a “change emptor” so to speak as you already have the change in mitt from the debt and you are just purchasing the automobile from the trader with that appropriation. Car salesman prefer client to be “serial royalty” vendee as this make it easier for them to obscure the sum expense of the Dodgem, to the hurt of your saving. So wizen up and yield that fencesitter automobile funding derivative available. </p>
<p>&#13;Set a Price Range</p>
<p>&#13;Having a budget is the sensible thing to do. If you set a sensible terms range for yourself, then you have LE reason to go beyond that range and succumb to the temptation of overspending. If you’re really firm on that budget, no amount of sales talk tin sway you. One commonweal tip is to ensure that your series automobile payments and related expenses do not exceed about 20% of your series internet income. </p>
<p>&#13;Discounted Financing vs. Rebate</p>
<p>&#13;Here’s the quandary to machine purchasing: Many monger offering a derivative between discounted funding or a discount, but not both. Discounted funding mean that you get zippo-pct funding while discount mean that you return a certain positiveness of change some clip after redemption. The commons mistake many motorcar buyer brand is that the cypher-pct debt will deliver the most saving. But will it really?</p>
<p>&#13;Get the Cash Rebate</p>
<p>&#13;In most cause, it’s break to return the cash discount and apply it against the purchase price of the vehicle. If you already have a pre-approved car debt, then that’s even better because you have positively no need of extra financing from your bargainer. Just exercise your car lend to business the car and Lashkar-e-Toiba the rebate handle some of the charge.</p>
<p>&#13;You will have to choose how long you neediness your lease to be and how much you’re volition to salary upfront. The obvious selection, of class, would be to wage as little as opening, but be sure to weigh other option as excavation. After that, the motorcar is yours for the play stipulated in the lease declaration.</p>
<p>&#13;There are several other different plan those car buyers care you tin adopt in order to make the most putout of your appropriation and reduce cost at the dealership. Understanding the credit process is just one way of being a smarting vendee.</p>
<p>&#13;For solon info on automobile funding and auto loan, visitation:<br />&#13;http://www.financeguide101.com/finance-study/money-for-a-auto-a-usher-to-machine-funding.HTML                 <br/><br/>				<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/ZfmFjwAgS_4?fs=1"></param><param name="allowFullScreen" value="true"></param>				<embed src="http://www.youtube.com/v/ZfmFjwAgS_4?fs=1&#038;rel=0" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object><br/>
<p>www.autocreditapproved.com AutoCreditApproved.com of Nashville, TN has the endeavor business option around NA for your new or used auto. AutoCreditApproved.com has all the information you demand on car refinancing and second opportunity automobile funding. Call 888-322-9848 or visitation HTTP for solon info about our machine debt abacus. Call or Click Today.<br/></p>
<p><br/><br/></p>
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		<title>Green Up Your Laundry</title>
		<link>http://consumer-finance-center.org/news/green-up-your-laundry/</link>
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		<pubDate>Thu, 30 Dec 2010 18:23:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Laundry]]></category>
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		<description><![CDATA[MoneyTalksNews asked: Save some money and the environment with tips to &#8220;green up&#8221; your laundry.Doris]]></description>
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<div><em><strong>MoneyTalksNews</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/MccqMrVhcS0&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/MccqMrVhcS0&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Save some money and the environment with tips to &#8220;green up&#8221; your laundry.<br/><br/><a href=''>Doris</a></div>
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		<title>Taxes: Software vs Accountants</title>
		<link>http://consumer-finance-center.org/news/taxes-software-vs-accountants/</link>
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		<pubDate>Sat, 04 Dec 2010 04:25:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Accountant]]></category>
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		<description><![CDATA[MoneyTalksNews asked: While taxes may be as certain as death, how you file them is up in the air. You can do them yourself, go to an accountant, or use your computer. Today money reporter Stacy Johnson explores the cost &#8230; <a href="http://consumer-finance-center.org/news/taxes-software-vs-accountants/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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<div><em><strong>MoneyTalksNews</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/h5dEk7-Ap60&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/h5dEk7-Ap60&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>While taxes may be as certain as death, how you file them is up in the air. You can do them yourself, go to an accountant, or use your computer. Today money reporter Stacy Johnson explores the cost and benefits of each&#8230;<br/><br/><a href=''>Josephine</a></div>
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		<title>Do Friends Cause Debt?</title>
		<link>http://consumer-finance-center.org/news/do-friends-cause-debt/</link>
		<comments>http://consumer-finance-center.org/news/do-friends-cause-debt/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 13:08:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Bank Account]]></category>
		<category><![CDATA[Friends]]></category>
		<category><![CDATA[Friendship]]></category>
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		<description><![CDATA[MoneyTalksNews asked: Most of us have friends who make more money then we do, and it can put you in situations that are hard to handle. In fact, sometimes it can be downright stressful trying to balance your friendship and &#8230; <a href="http://consumer-finance-center.org/news/do-friends-cause-debt/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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<div><em><strong>MoneyTalksNews</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/iT3QjuUziDM&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/iT3QjuUziDM&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Most of us have friends who make more money then we do, and it can put you in situations that are hard to handle. In fact, sometimes it can be downright stressful trying to balance your friendship and your bank account.<br/><br/><a href=''>Debbie</a></div>
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		<title>An Explanation of Yield Spread Premiums on Home Mortgages</title>
		<link>http://consumer-finance-center.org/britons/an-explanation-of-yield-spread-premiums-on-home-mortgages/</link>
		<comments>http://consumer-finance-center.org/britons/an-explanation-of-yield-spread-premiums-on-home-mortgages/#comments</comments>
		<pubDate>Tue, 16 Nov 2010 13:04:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Britons]]></category>
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		<category><![CDATA[Home Mortgages]]></category>
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		<category><![CDATA[Spread Premiums]]></category>
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		<category><![CDATA[Yield Spread Premium]]></category>

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		<description><![CDATA[BraunMincher asked: Sometimes we get the best nuggets of information after we are done formally filming. We recently filmed an interview with Finance Professor Christine McClatchey at the University of Northern Colorado, and afterwards, she started talking about how few &#8230; <a href="http://consumer-finance-center.org/britons/an-explanation-of-yield-spread-premiums-on-home-mortgages/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"></div>
<div><em><strong>BraunMincher</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/AYfEIt10adY&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/AYfEIt10adY&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Sometimes we get the best nuggets of information after we are done formally filming. We recently filmed an interview with Finance Professor Christine McClatchey at the University of Northern Colorado, and afterwards, she started talking about how few consumers know what a &#8220;Yield Spread Premium&#8221; is when they get their mortgage, and I thought this was SO important, I quickly captured her story with my handheld &#8220;Flip Cam.&#8221; Check out our upcoming &#8220;Secrets of Money Movie&#8221; at www.SecretsOfMoneyMovie.com. Thanks!<br/><br/><a href=''>Roland</a></div>
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			<wfw:commentRss>http://consumer-finance-center.org/britons/an-explanation-of-yield-spread-premiums-on-home-mortgages/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Changing Your Credit Score</title>
		<link>http://consumer-finance-center.org/news/changing-your-credit-score/</link>
		<comments>http://consumer-finance-center.org/news/changing-your-credit-score/#comments</comments>
		<pubDate>Sat, 21 Aug 2010 21:52:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Credit Scoring]]></category>
		<category><![CDATA[Fair Issac]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://consumer-finance-center.org/news/changing-your-credit-score/</guid>
		<description><![CDATA[MoneyTalksNews asked: If you borrow money, you probably know that your credit score is important. The company behind credit scoring, Fair Issac, recently announced changes in the way they&#8217;ll soon be doing it.Patricia]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"></div>
<div><em><strong>MoneyTalksNews</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/wRV3OHpHcyo&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/wRV3OHpHcyo&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>If you borrow money, you probably know that your credit score is important. The company behind credit scoring, Fair Issac, recently announced changes in the way they&#8217;ll soon be doing it.<br/><br/><a href=''>Patricia</a></div>
]]></content:encoded>
			<wfw:commentRss>http://consumer-finance-center.org/news/changing-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing vs Paying Credit Card Debt</title>
		<link>http://consumer-finance-center.org/news/investing-vs-paying-credit-card-debt/</link>
		<comments>http://consumer-finance-center.org/news/investing-vs-paying-credit-card-debt/#comments</comments>
		<pubDate>Fri, 23 Jul 2010 03:25:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[American Families]]></category>
		<category><![CDATA[Bank Savings]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://consumer-finance-center.org/news/investing-vs-paying-credit-card-debt/</guid>
		<description><![CDATA[MoneyTalksNews asked: If you carry a balance on one or more credit cards, you&#8217;re not alone: according to the Federal Reserve, nearly half of American families do. And nearly half of American families also have some sort of bank savings &#8230; <a href="http://consumer-finance-center.org/news/investing-vs-paying-credit-card-debt/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"></div>
<div><em><strong>MoneyTalksNews</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/m_jfQDTrMcQ&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/m_jfQDTrMcQ&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>If you carry a balance on one or more credit cards, you&#8217;re not alone: according to the Federal Reserve, nearly half of American families do. And nearly half of American families also have some sort of bank savings accounts. If you have savings, should you use that money to pay off your credit cards?<br/><br/><a href=''>Charles</a></div>
]]></content:encoded>
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		<slash:comments>24</slash:comments>
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