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	<title>Write Financial</title>
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	<link>http://www.writefinancial.com</link>
	<description>Articles all based around the subject of personal finance</description>
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		<title>Did you see the news about Hillary Clinton raffeling off a date with Bill Clinton to reduce her campaign debt?</title>
		<link>http://www.writefinancial.com/01/did-you-see-the-news-about-hillary-clinton-raffeling-off-a-date-with-bill-clinton-to-reduce-her-campaign-debt/</link>
		<comments>http://www.writefinancial.com/01/did-you-see-the-news-about-hillary-clinton-raffeling-off-a-date-with-bill-clinton-to-reduce-her-campaign-debt/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 03:54:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Aid]]></category>
		<category><![CDATA[Hillary Clinton]]></category>
		<category><![CDATA[Presidential Campaign]]></category>

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		<description><![CDATA[
Caneyhead C asked: Hillary is going to have a raffle for a weekend in New York and a Date with Bill in an effort to reduce her Presidential Campaign debt.
I wonder if the date with Bill will include and evening gown and a box of cigars?
I wonder if Monica will buy any of the raffle [...]]]></description>
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<div><em><strong>Caneyhead C</strong> asked: </em><br/><br/><br/>Hillary is going to have a raffle for a weekend in New York and a Date with Bill in an effort to reduce her Presidential Campaign debt.<br />
I wonder if the date with Bill will include and evening gown and a box of cigars?<br />
I wonder if Monica will buy any of the raffle tickets?<br />
Would YOU like to buy a ticket?<br/><br/></div>
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		<slash:comments>0</slash:comments>
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		<title>How does the economic crisis affect those without investments or savings?</title>
		<link>http://www.writefinancial.com/01/how-does-the-economic-crisis-affect-those-without-investments-or-savings/</link>
		<comments>http://www.writefinancial.com/01/how-does-the-economic-crisis-affect-those-without-investments-or-savings/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 15:02:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[savings accounts]]></category>

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		<description><![CDATA[
Luke14:8-11 asked: Does it reach all the way down to the little guys or only those with investments and/or big savings accounts?
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<div><em><strong>Luke14:8-11</strong> asked: </em><br/><br/><br/>Does it reach all the way down to the little guys or only those with investments and/or big savings accounts?<br/><br/></div>
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		<title>Understanding Bankruptcy to Handle the Process Better</title>
		<link>http://www.writefinancial.com/01/understanding-bankruptcy-to-handle-the-process-better/</link>
		<comments>http://www.writefinancial.com/01/understanding-bankruptcy-to-handle-the-process-better/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 14:43:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Business Chapter]]></category>
		<category><![CDATA[Family Farmers]]></category>

		<guid isPermaLink="false">http://www.writefinancial.com/01/understanding-bankruptcy-to-handle-the-process-better/</guid>
		<description><![CDATA[
The term Bankruptcy means the legally declared inability of an individual or an organization to pay their credits. Involuntary bankruptcy is the situation in which the creditor may file a bankruptcy petition against a debtor to recover a portion of the amount dues him. Generally in a majority of cases, bankruptcy is initiated by the [...]]]></description>
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<div>The term Bankruptcy means the legally declared inability of an individual or an organization to pay their credits. Involuntary bankruptcy is the situation in which the creditor may file a bankruptcy petition against a debtor to recover a portion of the amount dues him. Generally in a majority of cases, bankruptcy is initiated by the debtor known as “voluntary bankruptcy”. Bankruptcy in the United States is placed under ‘Federal jurisdiction” by the United States Constitution that enacts “uniform laws on the subject of bankruptcies throughout the United States’.<br/><br/>Bankruptcy cases are always filed in the U.S.bankruptcy court-an adjunct to U.S. District court. Bankruptcy cases with respect to validity of claims and exemptions are highly dependent upon State laws and therefore in many bankruptcy cases, it is often impossible to generalize bankruptcy laws across state lines.<br/><br/>There are six types of bankruptcy under Bankruptcy Code of the U.S code. <br/><br/>Chapter 7: Basic liquidation for individuals and business.<br/><br/>Chapter 9: Municipal bankruptcy.<br/><br/>Chapter 11: Rehabilitation by business debtors and also by individuals with extensive debts and assets.<br/><br/>Chapter 12: Rehabilitation for family farmers and fishermen.<br/><br/>Chapter 13: Rehabilitation for individuals with a regular source of income.<br/><br/>Chapter 15: Ancillary and other international cases.<br/><br/>The most common types of personal bankruptcy for individuals are chapter 7 and chapter 13. In chapter 7, a debtor surrenders his or her non-exempt property to a bankruptcy trustee who liquidates the property and distributes the proceeds to the debtor’s creditors. In exchange for this, the debtor is entitled to a discharge from debt unless the debtor is not guilty of certain types of inappropriate behavior like hiding records concerning financial conditions. Many individuals who are bankrupt own only exempt property. The exempt amount varies from state to state. Chapter 7 relief is available only once in any 8 year period.<br/><br/>In chapter 13, the debtor retains ownership and possession of all his or her assets but must devote a part of his or her future income to creditors over a period of 3 to 5 years. The amount and period vary depending upon the value of debtor’s property and the amount of debtor’s income and expenses. Secured creditors are entitled to greater payment than unsecured creditors.<br/><br/>There are many types of proceedings that fit under bankruptcy. Chapter 7 liquidation involves the appointment of a trustee who collects the nonexempt properties of the debtor, sells them and distributes the ties proceeds to the creditors.<br/><br/>Chapter 9 is a form of bankruptcy available only to municipalities.<br/><br/>Chapter 11 involves allowing the debtor to keep a portion of his or her property and use the future earnings to pay off creditors.<br/><br/>Chapter 12 is similar to chapter 13 but available only to family farmers and family fishermen in certain situations.<br/><br/>Chapter 15 deals with foreign companies with U.S.debts.<br/><br/>Bankruptcy crimes: Bankruptcy fraud is filing a bankruptcy petition in a bankruptcy case to attempt to execute or conceal a scheme or pretense to defraud. Bankruptcy fraud also means making fraudulent representation claim or response in connection with a bankruptcy case. Bankruptcy fraud is punishable by a fine or by up to 5-year imprisonment or both. Bankruptcy crimes are prosecuted by the United States attorney after a reference from the U.S trustee.<br/><br/>Banks and other deposit institutions, insurance companies, railroads and certain other financial institutions regulated by the federal and state governments cannot be a debtor under the bankruptcy code. Instead, special state and federal laws govern the liquidation of these companies. It is erroneous to refer to a bank or insurer as being “bankrupt’. “Insolvent”, “in liquidation” or “in receivership” would be fitting under some circumstances in the U.S context at least.<br/><br/><br/><br/><em>By: <strong>Lesley Lyon</strong></em><br/><br/><strong>About the Author:</strong>
<div style="border: thin solid gray; background-color: #E2E089; padding:1em;">
<p><b> <a href="http://www.assistfinancial.info"><a target="_blank" href="http://www.assistfinancial.info">http://www.assistfinancial.info</a></a> </b>extensively deals with bankruptcy to help laymen understand the legal process better. <b> <a href="http://www.monetaryguru.com"> <a target="_blank" href="http://www.monetaryguru.com">http://www.monetaryguru.com</a></a> </b>helps find better solutions to avoid foreclosures.</p>
</div>
<p><br/><br/></div>
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		<title>How can i reduce the debt on my house note when a small percentage is actually going towards the principle?</title>
		<link>http://www.writefinancial.com/31/how-can-i-reduce-the-debt-on-my-house-note-when-a-small-percentage-is-actually-going-towards-the-principle/</link>
		<comments>http://www.writefinancial.com/31/how-can-i-reduce-the-debt-on-my-house-note-when-a-small-percentage-is-actually-going-towards-the-principle/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 13:45:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Aid]]></category>
		<category><![CDATA[Principle]]></category>
		<category><![CDATA[Reduce Interest]]></category>

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		<description><![CDATA[
qhenn22 asked: Is there any calculations or formulas I can use to reduce the interest on my house note?
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<div><em><strong>qhenn22</strong> asked: </em><br/><br/><br/>Is there any calculations or formulas I can use to reduce the interest on my house note?<br/><br/></div>
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		<slash:comments>1</slash:comments>
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		<title>What circumstances would qualify a home foreclosure over a Short sale?</title>
		<link>http://www.writefinancial.com/28/what-circumstances-would-qualify-a-home-foreclosure-over-a-short-sale/</link>
		<comments>http://www.writefinancial.com/28/what-circumstances-would-qualify-a-home-foreclosure-over-a-short-sale/#comments</comments>
		<pubDate>Sun, 29 Aug 2010 06:16:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Circumstances]]></category>
		<category><![CDATA[Home Foreclosure]]></category>

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		<description><![CDATA[
ChrisM asked: What would qualify a home foreclosure to be better than a quick sale?
I have a home with little to no equity: if I short sale  I would be required to pay back the difference to the bank. Would It be better for me to just let the house foreclose?
]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/foreclosure39.jpg"><img src="/wp-content/uploads/cc/foreclosure39.jpg" title='foreclosure' alt='foreclosure' /></a></div>
<div><em><strong>ChrisM</strong> asked: </em><br/><br/><br/>What would qualify a home foreclosure to be better than a quick sale?<br />
I have a home with little to no equity: if I short sale  I would be required to pay back the difference to the bank. Would It be better for me to just let the house foreclose?<br/><br/></div>
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		<slash:comments>2</slash:comments>
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		<title>Could it be A Legal Requirement That An Air Conditioning Company Has Got Liability Insurance ?</title>
		<link>http://www.writefinancial.com/28/could-it-be-a-legal-requirement-that-an-air-conditioning-company-has-got-liability-insurance/</link>
		<comments>http://www.writefinancial.com/28/could-it-be-a-legal-requirement-that-an-air-conditioning-company-has-got-liability-insurance/#comments</comments>
		<pubDate>Sat, 28 Aug 2010 15:33:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[aerial installation]]></category>
		<category><![CDATA[aerial installer]]></category>
		<category><![CDATA[liability insurance]]></category>

		<guid isPermaLink="false">http://www.writefinancial.com/?p=1584</guid>
		<description><![CDATA[<p>Air con is a luxury belonging to the contemporary age…or is it? Ac in its most basic form has been available inside the times of Ancient Rome. Rather than air conditioning systems that we are acquainted with in recent years, the people of Ancient Rome appreciated the cooling of air through the flow of chilled [...]]]></description>
			<content:encoded><![CDATA[<p>Air con is a luxury belonging to the contemporary age…or is it? Ac in its most basic form has been available inside the times of Ancient Rome. Rather than air conditioning systems that we are acquainted with in recent years, the people of Ancient Rome appreciated the cooling of air through the flow of chilled liquids inside their wall space. The earliest Ac device belonging to the kind we are used to today was designed in 1902.</p>
<p>What the heck is Ac exactly? It&#8217;s a procedure for household air dehumidification where air flow is actually handled in order to be much more comfortable. Air can be heated up, purified, ventilated and cooled down as a result of an Ac machine or unit. Through stabilizing or modifying the air humidity and temperature, environmental surroundings within a property, office or even public meeting area can be made much more enjoyable.</p>
<p>On a very hot day in scorching heat just about everyone has cherished a bit of Ac. When we reserve the holidays to the Med, most of us tend to reserve those hotel rooms that offer Ac rather than the types having outstanding views. We all cherish the the possiblility to remain cool while in the heat so exactly where would many of us end up being without the Ac service man? Within a spell of very hot weather, these kind of fitters know how it can feel to be in demand! We all want these guys yet imagine if something goes completely wrong?</p>
<p>If the Ac system has not been effectively tended  by a maintenance engineer there may be severe implications. On most occasions the quality of recirculated air will be of utmost importance and once overlooked can result in dangerous health condition outcomes to the people inside.  If an Ac unit is not serviced in the right way, the spreading of sometimes lethal organisms can happen. An Ac engineer is responsible for the successful cleansing of these types of systems to ensure that a clean, hypoallergenic environment is experienced.</p>
<p>Likewise, Ac systems may not be ever present to deliver chilled air flow during a hot period, these units have a function too. The application of properly cleaned air is often crucial when it comes to asthma and allergy patients too.</p>
<p>Together with the health improvements that are attained from the successfully functioning air-con device, it truly is essential that engineers recognise his or her responsibility to get this done correctly. Otherwise negligence can be suggested and also the future of just about any servicing business will become vulnerable.</p>
<p>What might go wrong? As well as potential harm to property when fitting An air conditioning device, all manner of problems can take place. And therefore so it is being mindful of this, much like many other businesses that offer products and services to clients, that <a href="http://www.instant-online-insurance.co.uk/public-liability-insurance.html"> a public liability insurance policy</a> is set up.<BR>Information from <a href="http://www.insblog.co.uk/20/is-it-required-by-law-that-an-air-conditioning-maintenance-company-possesses-liability-insurance/">Is It Required By Law That An Air Conditioning Maintenance Company Possesses Liability Insurance ?</a></p>
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		<title>Do Alarm Fitters Require Public liability insurance ?</title>
		<link>http://www.writefinancial.com/26/do-alarm-fitters-require-public-liability-insurance/</link>
		<comments>http://www.writefinancial.com/26/do-alarm-fitters-require-public-liability-insurance/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 06:24:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[alarm installation]]></category>
		<category><![CDATA[alarm installer]]></category>
		<category><![CDATA[liability insurance]]></category>
		<category><![CDATA[security system]]></category>

		<guid isPermaLink="false">http://www.writefinancial.com/?p=1586</guid>
		<description><![CDATA[<p>Many of us rely upon security devices of one form or another to protect our belongings. Paying out wages in order to buy many of our valuables, it&#8217;s no surprise that many of us take our security precautions extremely intensely.</p>
<p>Security systems are available in a range of types ranging from intrusion alarm systems to fully [...]]]></description>
			<content:encoded><![CDATA[<p>Many of us rely upon security devices of one form or another to protect our belongings. Paying out wages in order to buy many of our valuables, it&#8217;s no surprise that many of us take our security precautions extremely intensely.</p>
<p>Security systems are available in a range of types ranging from intrusion alarm systems to fully integrated alarm systems together with adaptations for each variety of system. Security alarm buyers range in their size ranging from private household clients to large-scale industrial corporations. Security alarm buyers moreover present many different expectations to the alarm installation engineer from requesting an alarm solution with closed circuit television (CCTV) to a perimeter fencing intruder detection process.</p>
<p>Safety and security alarm systems serve the purpose for defending the client away from burglary, unlawful entry as well as general damage. They provide peace of mind.</p>
<p>With most fire / safety  / burglar Security alarm receptors are positioned and linked via a radio frequency transmission or low voltage wiring onto a control unit. This sensing unit is going to interact with the central system. With this particular system set up the purchaser is alerted to any kind of unexpected motion for example the forcing of your back door or window. For a security technique that is a good solid burglar prevention measure or maybe fire detection system and also one that is more economical, the client will in all probability opt for a wireless system.</p>
<p>For larger sized security systems, receptors are going to be positioned on a border boundary in addition to some sort of Closed-circuit television technique in position. A combination of these two techniques although somewhat ineffectual on their own, will function efficiently when employed together.</p>
<p>Should an alarm system organization fail its guarantee made in its contract – that&#8217;s to provide security then they failed. Should a burglar alarm unexpextedly go off without a good reason, the client is charged for the arrival of the emergency services. Exactly who must pay the pricey invoice in these kinds of conditions? An alarm fitting company should have <a href="http://alarminstaller.liabilityinsurancesites.com/">professional liability insurance</a> in place if the security sytem customer seeks compensation.</p>
<p>Where smoke and heat alarms not function in the event of an incident, serious injury (poisoning by deadly carbon monoxide for example) could easily end up with you receiving hospital treatment and for that reason it&#8217;s vital again that your security system fitting business has liability insurance to protect against the kind of monetary trauma a legal case might prevail.</p>
<p>If the security system is not able to meet  its targets the customer is likely to seek out responses and also require reparation. When it comes to our personal security, the loved one&#8217;s wellbeing and safeguards from opportunist/professional crooks, the alarm devices are of the utmost importance. Security alarm buyers  pay money for security and peace of mind.<BR>Information from <a href="http://nonstopreviews.info/do-burglar-alarm-contractors-need-to-have-public-liability-insurance/ target=_blank">Do Burglar Alarm Contractors Need To Have Public liability insurance ?</a></p>
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		<title>Public Liability Insurance  Needed for Acupuncture Establishments</title>
		<link>http://www.writefinancial.com/26/public-liability-insurance-needed-for-acupuncture-establishments/</link>
		<comments>http://www.writefinancial.com/26/public-liability-insurance-needed-for-acupuncture-establishments/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 09:34:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[acupuncture]]></category>
		<category><![CDATA[acupuncturist]]></category>
		<category><![CDATA[liability insurance]]></category>

		<guid isPermaLink="false">http://www.writefinancial.com/?p=1582</guid>
		<description><![CDATA[<p>Who could we all talk to when our healthcare profession fails you? Who do you look to for an alternate type of cure with regard to typical health conditions? For some, the idea of a group of little needles piercing their skin might be far from appealing but when it comes to an ever-increasing amount [...]]]></description>
			<content:encoded><![CDATA[<p>Who could we all talk to when our healthcare profession fails you? Who do you look to for an alternate type of cure with regard to typical health conditions? For some, the idea of a group of little needles piercing their skin might be far from appealing but when it comes to an ever-increasing amount of individuals in the western world, the Chinese practice of acupuncture is becoming a lot more appealing.</p>
<p>The word acupuncture approximately converted has a meaning of ‘needle’ together with ‘to prick’ but just what exactly is it? Acupuncture can be used as a way to relieve a individual from health conditions and pain by way of an assortment of little needles meticulously and exactly placed and articulated on specific points of the body.</p>
<p>Acupuncture will be used through places situated on ‘meridians’ where a person’s body electricity or ‘qi’ flows.</p>
<p>Acupuncture has been the recipient of much scepticism yet despite that, a lot more individuals are turning towards an Acupuncture Center for an replacement to present day medication. A solution for stubborn ailments, an option for prevalent anaesthesia procedures, the effectiveness of acupuncture knows no bounds as it extends to cosmetic procedures minimizing the presence of facial lines.</p>
<p>For individuals that haven’t visited an Acupuncturist, just what occurs when one sets foot inside a clinic? Initially, an Acupuncturist will initiate a complete discourse concerning your current condition or disorder. a medical diagnosis is then reached through a number of observations, which usually include inspection, auscultation, olfaction inquiry and palpation. Only then, when taking numerous sounds, smells and sights into consideration that a medical diagnosis will be achieved.</p>
<p>Dating back to the Stone Age in China, the art or practice of acupuncture had been limited to the East until recent times (it actually arrived in The United States in the nineteen seventies). Over time acupuncture has gotten appreciable interest from the healthcare profession lacking any clear judgment that it works. Acupuncture remains the heart of considerable scepticism and controversy in spite of specific proof that in certain instances it has specific verified good results. The W.H.O. (World Health Organization) concluded the fact that during  treatment associated with twenty-eight disorders that acupuncture did appear to have been effective.</p>
<p>However , is acupuncture free from danger? In line with scientific studies, a great number of contemporary Acupuncture Clinics observe utmost safety along with effective hygiene. Sterilized needles will be employed and then disposed immediately after each client. Having said that, in the event that a customer or patient claims bad practice has taken place, it will be essential that the Acupuncturist has in place some <a href=”http://www.instant-online-insurance.co.uk/public-liability-insurance.html”>public liability insurance</a> protection to be able to avoid the damaging and possibly monetarily fatal impact on the organisation.</p>
<p>Needle treatments, regardless of whether people adore it or loathe it, one particular factor is obvious – that Acupuncture is certainly right here to stay. Even though the practise of acupuncture continues to live under some sort of cloud of controversy as well as scepticism nowadays, it&#8217;s presumed that eventually a growing number of people are going to turn to it as an alternative to our regular Western healthcare procedures.<BR>Information from <a href="http://www.insblog.co.uk/09/liability-insurance-for-acupuncture-establishments/">Liability Insurance  For Acupuncture Establishments</a></p>
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		<title>What type of investments should a young adult start out with?</title>
		<link>http://www.writefinancial.com/25/what-type-of-investments-should-a-young-adult-start-out-with/</link>
		<comments>http://www.writefinancial.com/25/what-type-of-investments-should-a-young-adult-start-out-with/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 05:58:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Income Investing]]></category>
		<category><![CDATA[Navy Boot Camp]]></category>

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matt_graham07 asked: I leave for Navy boot camp in 2 months. I&#8217;m thinking that it would be very beneficial to start investing my money right away. What type of investments should I look into, and what percentage of my income should I be investing?
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			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/investments4.jpg"><img src="/wp-content/uploads/cc/investments4.jpg" title='investments' alt='investments' /></a></div>
<div><em><strong>matt_graham07</strong> asked: </em><br/><br/><br/>I leave for Navy boot camp in 2 months. I&#8217;m thinking that it would be very beneficial to start investing my money right away. What type of investments should I look into, and what percentage of my income should I be investing?<br/><br/></div>
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		<title>What type of investments should I get into?</title>
		<link>http://www.writefinancial.com/25/what-type-of-investments-should-i-get-into/</link>
		<comments>http://www.writefinancial.com/25/what-type-of-investments-should-i-get-into/#comments</comments>
		<pubDate>Wed, 25 Aug 2010 13:06:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money Investments]]></category>
		<category><![CDATA[Summer Job]]></category>

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es_harper2007 asked: I am going into college next year and want to put my summer job money into investments. Total $ will be less than $1500.  WHat kind of investments will be the best for me.  No short term withdrawing forseen.
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			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/investments13.jpg"><img src="/wp-content/uploads/cc/investments13.jpg" title='investments' alt='investments' /></a></div>
<div><em><strong>es_harper2007</strong> asked: </em><br/><br/><br/>I am going into college next year and want to put my summer job money into investments. Total $ will be less than $1500.  WHat kind of investments will be the best for me.  No short term withdrawing forseen.<br/><br/></div>
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