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	<title>BobVC.com</title>
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	<link>http://www.bobvc.com</link>
	<description>Advice on Saving Money, Spending Wisely, and Investing the Rest</description>
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		<title>Paying Only the Minimum on Credit Card Balances Only Makes Small Dents in the Balance</title>
		<link>http://www.bobvc.com/2011/07/paying-only-the-minimum-on-credit-card-balances-only-makes-small-dents-in-the-balance/</link>
		<comments>http://www.bobvc.com/2011/07/paying-only-the-minimum-on-credit-card-balances-only-makes-small-dents-in-the-balance/#comments</comments>
		<pubDate>Mon, 18 Jul 2011 21:49:01 +0000</pubDate>
		<dc:creator>BobVC</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://www.bobvc.com/?p=34</guid>
		<description><![CDATA[Are you one of many who are only paying the minimum amount due on your credit card account and carrying over the balance every month.  If you do, as you probably already heard, it’ll take up to a whole generation to pay it off.  For some, they will be at retirement age at that time [...]]]></description>
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		<title>Join a Credit Union</title>
		<link>http://www.bobvc.com/2011/07/join-a-credit-union/</link>
		<comments>http://www.bobvc.com/2011/07/join-a-credit-union/#comments</comments>
		<pubDate>Sat, 16 Jul 2011 15:28:33 +0000</pubDate>
		<dc:creator>BobVC</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[car loans]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[certificate of deposits]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit union]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[vehicle loans]]></category>

		<guid isPermaLink="false">http://www.bobvc.com/?p=29</guid>
		<description><![CDATA[How would you like to be part owner of a financial institution that you would like to do business with without loss of investment?  If your answer is yes, my answer is – join a credit union.  Credit unions are financial cooperatives organized to serve groups with a common bond.  These common bonds include employees [...]]]></description>
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		<title>Avoiding Investment Scams</title>
		<link>http://www.bobvc.com/2011/06/avoiding-investment-scams/</link>
		<comments>http://www.bobvc.com/2011/06/avoiding-investment-scams/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 15:34:39 +0000</pubDate>
		<dc:creator>BobVC</dc:creator>
				<category><![CDATA[Scams]]></category>
		<category><![CDATA[diversification]]></category>
		<category><![CDATA[investment scams]]></category>
		<category><![CDATA[Ponzi schemes]]></category>

		<guid isPermaLink="false">http://www.bobvc.com/?p=14</guid>
		<description><![CDATA[I have seen a lot of scams.  The most devistating scams that I have seen are investment scams.  Most of these scams are Ponzi scheme.  Ponzi schemes are investment schemes that claim that new investments are invested into the business venture when in fact they are used to line the scammers pocket and pay out [...]]]></description>
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		<title>No Longer a Realtor</title>
		<link>http://www.bobvc.com/2011/06/no-longer-a-realtor/</link>
		<comments>http://www.bobvc.com/2011/06/no-longer-a-realtor/#comments</comments>
		<pubDate>Sun, 19 Jun 2011 17:31:15 +0000</pubDate>
		<dc:creator>BobVC</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.bobvc.com/?p=16</guid>
		<description><![CDATA[If you have been to this site before June 17, 2011, you probably got my real estate agent site where you can search for homes and other real estate for sale.  I have decided to take a break as an agent for now.  I went back to school last fall to purse a Master&#8217;s degree in [...]]]></description>
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