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	<title>The Fine Print of Credit</title>
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	<link>http://jinkysphere.com</link>
	<description>what you don&#039;t know WILL hurt you</description>
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		<title>The Practicality of Taking out Insurance</title>
		<link>http://jinkysphere.com/the-practicality-of-taking-out-insurance/</link>
		<comments>http://jinkysphere.com/the-practicality-of-taking-out-insurance/#comments</comments>
		<pubDate>Thu, 03 Feb 2011 04:01:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance benefits]]></category>

		<guid isPermaLink="false">http://insurance.jinkysphere.com/?p=6</guid>
		<description><![CDATA[Should you or should you not take out insurance? Imagine a person named Joe whose house and contents are worth US$300,000. To be adequately prepared for his house burning down, our fictitious personality Joe needs to have at least the &#8230; <a href="http://jinkysphere.com/the-practicality-of-taking-out-insurance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Current Balance versus Outstanding Balance</title>
		<link>http://jinkysphere.com/current-balance-versus-outstanding-balance/</link>
		<comments>http://jinkysphere.com/current-balance-versus-outstanding-balance/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 14:31:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[credit card balance]]></category>
		<category><![CDATA[current balance]]></category>
		<category><![CDATA[outstanding balance]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=20</guid>
		<description><![CDATA[When you call to know what your balance is, you have to clarify what type of balance you are asking about. Typically, the credit card customer service representative is going to quote you your current balance &#8211; also known as &#8230; <a href="http://jinkysphere.com/current-balance-versus-outstanding-balance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Types of Credit Card Balance</title>
		<link>http://jinkysphere.com/types-of-credit-card-balance/</link>
		<comments>http://jinkysphere.com/types-of-credit-card-balance/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 14:21:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[balance transfer balance]]></category>
		<category><![CDATA[cash advance balance]]></category>
		<category><![CDATA[credit card balance]]></category>
		<category><![CDATA[purchases balance]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=19</guid>
		<description><![CDATA[You&#8217;d think your credit card balance is whatever you have on your card, right? Well, the truth of the matter is that credit card companies actually segregate balances. Your credit card company&#8217;s customer service rep may tell you what your &#8230; <a href="http://jinkysphere.com/types-of-credit-card-balance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Annual Fees</title>
		<link>http://jinkysphere.com/credit-card-annual-fees/</link>
		<comments>http://jinkysphere.com/credit-card-annual-fees/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 14:16:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[annual fee]]></category>
		<category><![CDATA[credit card annual fees]]></category>
		<category><![CDATA[credit card fees]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=18</guid>
		<description><![CDATA[Not all credit cards have annual fees. Typically, an annual fee is charged for credit cards that offer special privileges and rewards. They also usually come with the so-called &#8220;charge cards&#8221; or cards that must be paid in full each &#8230; <a href="http://jinkysphere.com/credit-card-annual-fees/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<item>
		<title>Credit Card Fees and Penalties</title>
		<link>http://jinkysphere.com/credit-card-fees-and-penalties/</link>
		<comments>http://jinkysphere.com/credit-card-fees-and-penalties/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 14:12:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[credit card penalties]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=17</guid>
		<description><![CDATA[What do you need to pay for when you get a credit card? Certainly, you&#8217;re not going to pay for only the cost of your actual purchases. Credit cards may come with other fees that you need to be aware &#8230; <a href="http://jinkysphere.com/credit-card-fees-and-penalties/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Approved &#8211; You Owe Us $247!</title>
		<link>http://jinkysphere.com/credit-card-approved-you-owe-us-247/</link>
		<comments>http://jinkysphere.com/credit-card-approved-you-owe-us-247/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 14:03:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit card deal]]></category>
		<category><![CDATA[credit card scams]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=16</guid>
		<description><![CDATA[Here&#8217;s the deal. Your credit card application just got approved, but before you even get your card activated, you already owe your credit card company $247 on account of the bunch of fees you get charged just for opening the &#8230; <a href="http://jinkysphere.com/credit-card-approved-you-owe-us-247/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consumer Report</title>
		<link>http://jinkysphere.com/consumer-report/</link>
		<comments>http://jinkysphere.com/consumer-report/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 08:20:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[consumer credit]]></category>
		<category><![CDATA[consumer report]]></category>
		<category><![CDATA[credit-worthiness]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=14</guid>
		<description><![CDATA[A consumer report is essentially an assessment of an individual&#8217;s credit-worthiness; thus it is popularly known as a credit report. A consumer report is usually prepared and furnished by a consumer reporting agency (credit bureau in popular lingo) like Equifax, &#8230; <a href="http://jinkysphere.com/consumer-report/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>0% Balance Transfer Offer Part 2</title>
		<link>http://jinkysphere.com/0-balance-transfer-offer-part-2/</link>
		<comments>http://jinkysphere.com/0-balance-transfer-offer-part-2/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 06:28:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[balance transfer credit card]]></category>
		<category><![CDATA[balance transfer offer]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=13</guid>
		<description><![CDATA[At last, here’s the continuation of the 0% balance transfer discussion. It’s been a while, but my schedule was near to bursting with all my deadlines. Anyway, I’ve finally had a few moments to spare so I can continue with &#8230; <a href="http://jinkysphere.com/0-balance-transfer-offer-part-2/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>0% Balance Transfer Offer Part 1</title>
		<link>http://jinkysphere.com/0-balance-transfer-offer-part-1/</link>
		<comments>http://jinkysphere.com/0-balance-transfer-offer-part-1/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 06:14:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[balance transfer credit card]]></category>
		<category><![CDATA[balance transfer offer]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=12</guid>
		<description><![CDATA[A 0% balance transfer offer? Wow! You think you have it good when you receive a pre-approved credit card application in the mail with such a balance transfer introductory rate. You&#8217;re right. On the surface, indeed, such an offer is &#8230; <a href="http://jinkysphere.com/0-balance-transfer-offer-part-1/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://jinkysphere.com/0-balance-transfer-offer-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Finance Charges &#8211; Why You Get Them</title>
		<link>http://jinkysphere.com/finance-charges-why-you-get-them/</link>
		<comments>http://jinkysphere.com/finance-charges-why-you-get-them/#comments</comments>
		<pubDate>Thu, 20 Nov 2008 06:02:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit cards]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[credit card finance charge]]></category>
		<category><![CDATA[credit card interest]]></category>
		<category><![CDATA[finance charge]]></category>
		<category><![CDATA[finance charges]]></category>
		<category><![CDATA[interest]]></category>

		<guid isPermaLink="false">http://credit.jinkysphere.com/?p=10</guid>
		<description><![CDATA[Let us get one thing straight. Even if you do pay your monthly minimum charges (or more than the minimum), as long as you don’t pay in full for what you spent on your card, you’re using up your credit. &#8230; <a href="http://jinkysphere.com/finance-charges-why-you-get-them/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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