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	<title>Family Finance Weblog</title>
	<link>http://www.life-assurance-bureau.co.uk/family-finance</link>
	<description>Brokers Online presents a collection of family finance based articles</description>
	<pubDate>Fri, 03 Jul 2009 08:18:31 +0000</pubDate>
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		<item>
		<title>Not wearing your seat belt Sir?  That will be £60 if you please.</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/07/01/not-wearing-your-seat-belt-sir-that-will-be-%c2%a360-if-you-please/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/07/01/not-wearing-your-seat-belt-sir-that-will-be-%c2%a360-if-you-please/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 09:11:29 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Car insurance</category>
	<category>Comments on the news</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/07/01/not-wearing-your-seat-belt-sir-that-will-be-%c2%a360-if-you-please/</guid>
		<description><![CDATA[	The fine for not wearing a seat belt is doubling to £60. The Department of Transport says that this is not about money and is all about saving lives.
	According to official statistics, around 565 people killed each year in car accidents were not wearing their seatbelt and of these more than 300 would have been [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/07/01/not-wearing-your-seat-belt-sir-that-will-be-%c2%a360-if-you-please/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>1 in 16 cars damaged by potholes evey year</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/30/1-in-16-cars-damaged-by-potholes-evey-year/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/30/1-in-16-cars-damaged-by-potholes-evey-year/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 09:03:28 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Car insurance</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/30/1-in-16-cars-damaged-by-potholes-evey-year/</guid>
		<description><![CDATA[	The number of potholes being reported to local authorities has risen five fold according to a new study. This works out at over £1 million of damage to cars each day. And in Scotland and some areas of Northern England where the situation is worst, as many as 1 in 7 are damaged.
	
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		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/30/1-in-16-cars-damaged-by-potholes-evey-year/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>Do you really need a HIP to sell your house?</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/29/do-you-really-need-a-hip-to-sell-your-house/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/29/do-you-really-need-a-hip-to-sell-your-house/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 10:43:36 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>Mortgages</category>
	<category>Comments on the news</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/29/do-you-really-need-a-hip-to-sell-your-house/</guid>
		<description><![CDATA[	It’s a fact that the law says that you must have an up to date Home Information pack before you put your home on the market. But it seems that half of house sales are going through without one!
	So the law is being ignored or dodged.
	And Local Authorities are doing little to enforce the law [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/29/do-you-really-need-a-hip-to-sell-your-house/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>10% mortgage deposits make a come back for first time buyers</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/24/10-mortgage-deposits-make-a-come-back-for-first-time-buyers/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/24/10-mortgage-deposits-make-a-come-back-for-first-time-buyers/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 09:07:18 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>Mortgages</category>
	<category>Finance</category>
	<category>Comments on the news</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/24/10-mortgage-deposits-make-a-come-back-for-first-time-buyers/</guid>
		<description><![CDATA[	For the first time since the credit crunch struck, first time buyers can now get a mortgage with a 10% deposit. For some two years now, lenders have run scared of high loan-to-value mortgages as house prices fell away. But as prices begin to stabilise, lenders are re-entering the market.
	Industry research shows that 21 lenders [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/24/10-mortgage-deposits-make-a-come-back-for-first-time-buyers/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>How to minimise the chances of your identity being stolen</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/23/how-to-minimise-the-chances-of-your-identity-being-stolen/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/23/how-to-minimise-the-chances-of-your-identity-being-stolen/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 09:54:48 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Credit Cards</category>
	<category>Finance</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/23/how-to-minimise-the-chances-of-your-identity-being-stolen/</guid>
		<description><![CDATA[	We are constantly hearing about the results of people’s identity being stolen – the fraudulent debts being taken out in their name, the scams on paypal and so on.
	So what can you do to avoid being a victim of identity theft? Well you can never protect yourself 100% but here are some suggestions –
	•	Take yourself [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/23/how-to-minimise-the-chances-of-your-identity-being-stolen/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>In debt?  Be careful about the latest ploy!</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/22/in-debt-be-careful-about-the-latest-ploy/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/22/in-debt-be-careful-about-the-latest-ploy/#comments</comments>
		<pubDate>Mon, 22 Jun 2009 13:41:05 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Debt</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/22/in-debt-be-careful-about-the-latest-ploy/</guid>
		<description><![CDATA[	There’s a new ploy to exploit legal loopholes and get debt wiped off. 
	
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	It’s a debt transfer scheme whereby the debtor pays a fee and transfers the debt to a claims firm through an agent. The debtor is then supposed to be debt free. The firm effectively [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/22/in-debt-be-careful-about-the-latest-ploy/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>Tenants loose homes as landlords default on mortgages</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/19/tenants-loose-homes-as-landlords-default-on-mortgages/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/19/tenants-loose-homes-as-landlords-default-on-mortgages/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 10:02:31 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Mortgages</category>
	<category>Debt</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/19/tenants-loose-homes-as-landlords-default-on-mortgages/</guid>
		<description><![CDATA[	Landlords financing their properties on buy-to-let mortgages are 3 times more likely to default on their mortgage payments than normal borrowers. This has led to a spate of repossessions. 
	Between January and March this year, 4,100 buy-to-let properties have been taken back by the lenders. 1,700 were repossessed and 2,400 were transferred to “receivers of [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/19/tenants-loose-homes-as-landlords-default-on-mortgages/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>Have you reclaimed your bank charges?</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/18/have-you-reclaimed-your-bank-charges/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/18/have-you-reclaimed-your-bank-charges/#comments</comments>
		<pubDate>Thu, 18 Jun 2009 09:19:52 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Finance</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/18/have-you-reclaimed-your-bank-charges/</guid>
		<description><![CDATA[	As you may know the Financial Services Authority allowed all the banks to suspend clients’ claims for excessive bank charges for two years. The argument is that the banks charges are excessive and in breach of unfair contract terms. This waiver was authorised by the FSA on 27th July 2007 and to begin with the [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/18/have-you-reclaimed-your-bank-charges/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>How would your family manage financially if you died suddenly?</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/17/how-would-your-family-manage-financially-if-you-died-suddenly/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/17/how-would-your-family-manage-financially-if-you-died-suddenly/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 12:27:04 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>General</category>
	<category>Life Insurance</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/17/how-would-your-family-manage-financially-if-you-died-suddenly/</guid>
		<description><![CDATA[	This possibility is something that every family should have covered but it seems that more than 1.5 million families with children haven’t even considered the situation - and far more, 7 million, admit that they don’t have adequate life or critical illness cover. 
	This means that if the grim reaper came knocking, those families are [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/17/how-would-your-family-manage-financially-if-you-died-suddenly/feed/</wfw:commentRSS>
	</item>
		<item>
		<title>Last chance to get a FIX!</title>
		<link>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/16/last-chance-to-get-a-fix/</link>
		<comments>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/16/last-chance-to-get-a-fix/#comments</comments>
		<pubDate>Tue, 16 Jun 2009 09:33:53 +0000</pubDate>
		<dc:creator>Administrator</dc:creator>
		
	<category>Mortgages</category>
	<category>Finance</category>
		<guid>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/16/last-chance-to-get-a-fix/</guid>
		<description><![CDATA[	We told you on the 8th June to get your mortgage fixed before rates went up. Well, if you haven’t yet taken our advice, you’d better hurry!
	Nationwide set the trend last Friday when it withdrew its whole range of fixed rate mortgages and replaced them with rates 0.86% higher. We expect other lenders to follow [...]]]></description>
		<wfw:commentRSS>http://www.life-assurance-bureau.co.uk/family-finance/2009/06/16/last-chance-to-get-a-fix/feed/</wfw:commentRSS>
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