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	<title>Personal Finance Bible</title>
	<link>http://personalfinancebible.co.uk</link>
	<description></description>
	<lastBuildDate>Fri, 27 Jan 2012 06:26:34 +0000</lastBuildDate>
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		<title>Permanent health insurance is one expense we had to afford</title>
		<description><![CDATA[A colleague of mine at work has recently had the news that her partner is about to be made redundant and like so many people her age had been spending virtually all their combined income without saving anything for a rainy day. I suppose they are relatively fortunate that she still has a job and [...]]]></description>
		<link>http://personalfinancebible.co.uk/assetmanagement/permanent-health-insurance-is-one-expense-we-had-to-afford/</link>
			</item>
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		<title>How Double Glazing Pays for Itself</title>
		<description><![CDATA[Anyone who has ever shivered through a cold winter in a poorly maintained house knows that the nights can seem very long when you need to try and get to sleep wearing three pairs of socks and a hat.
My own worst experience in this matter came, rather strangely, when I went to live in Spain. [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/how-double-glazing-pays-for-itself/</link>
			</item>
	<item>
		<title>AWD for Employment Agencies and Umbrella Companies</title>
		<description><![CDATA[With the new Agency Workers Directive there is still some amount of confusion when it comes to recruitment agencies, umbrella companies and temporary/contract workers in terms of ascertaining compliance with the regulations. Of course workers only need to know their rights and what to do if the hirer doesn’t comply with them. This is where [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/awd-for-employment-agencies-and-umbrella-companies/</link>
			</item>
	<item>
		<title>Insolvencies in the UK Decline</title>
		<description><![CDATA[When looking at the overall statistics for individual insolvencies in the UK, specifically England and Wales, the number has been on the decline. This is interesting to note since the economy is floundering and all but stagnant. When the third quarter of 2011 is compared to the third quarter of 2010, there is a definite [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/insolvencies-in-the-uk-decline/</link>
			</item>
	<item>
		<title>Making The Move &#8211; Permanent To Contractor</title>
		<description><![CDATA[

Being a contractor has always had its advantages. Currently in this economic climate, people who are in permanent jobs are realising that their jobs might not be so ‘permanent’ after all – ergo turning their heads to contractual roles instead. Being a contractor ultimately brings a lot to the table career-wise. As a contractor, you [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/making-the-move-permanent-to-contractor/</link>
			</item>
	<item>
		<title>Bad Credit, Credit Cards</title>
		<description><![CDATA[Credit cards are a luxury, not a necessity. They allow you to spend money that you don’t have on hand or if at all, with the full intention of paying it back to the bank or issuer that is essentially lending you the money. While it may seem hard to believe, there are several people [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/bad-credit-credit-cards/</link>
			</item>
	<item>
		<title>Permanent Health Insurance Policy</title>
		<description><![CDATA[I considered I knew almost everything until my mother suggested that I was being twisted off with my insurance policy, I used Permanent Health Insurance, she had the last laugh
My wife and I sat down the on Sunday evening to watch Bergerac and half way through the first advert break there was an advert called [...]]]></description>
		<link>http://personalfinancebible.co.uk/insurance/permanent-health-insurance-policy/</link>
			</item>
	<item>
		<title>I use the Life Assurance Cover website to see if I’m paying too much</title>
		<description><![CDATA[I have worked in the same company as my partner for a number of years. In fact we have both worked there for longer. However we only started dating after a number of years and yes, I should have made a move earlier but I didn’t. Nor did she, so we are equally to blame [...]]]></description>
		<link>http://personalfinancebible.co.uk/insurance/i-use-the-life-assurance-cover-website-to-see-if-i%e2%80%99m-paying-too-much/</link>
			</item>
	<item>
		<title>I found a site called Mortgage Protection Insurance and saved over £123 per annum</title>
		<description><![CDATA[Logging onto the computer to check my emails, a task I tend to do with absurd regularity, I noticed that I had an email from my bank suggesting that I take out some life insurance. It was actually something that I needed to do, so using it as a prompt I decided that I would [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/i-found-a-site-called-mortgage-protection-insurance-and-saved-over-123-per-annum/</link>
			</item>
	<item>
		<title>I saved a small fortune on life insurance on the Mortgage Protection Cover website</title>
		<description><![CDATA[I had always expected to become a teacher as both my mother and father had been teachers. It didn’t help by the fact that I had never really contemplated doing anything else and upon leaving school with the appropriate A levels for a teacher degree, I duly started at Teacher Training College. Three years later [...]]]></description>
		<link>http://personalfinancebible.co.uk/personalfinance/i-saved-a-small-fortune-on-life-insurance-on-the-mortgage-protection-cover-website/</link>
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