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	<title>The Frugal Pig &#187; finance</title>
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	<link>http://www.frugalpig.com/frugallife</link>
	<description>Frugal Living Tips and Ideas</description>
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		<title>Worried About Layoffs?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/worried-about-layoffs/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/worried-about-layoffs/#comments</comments>
		<pubDate>Tue, 09 Sep 2008 02:46:21 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=54</guid>
		<description><![CDATA[We haven&#8217;t been getting very good news about employment in the US lately. And of course, all economic news, with the bailout of the mortgage giants, is pretty grim. In fact, home foreclosures hit a record in the 3rd quarter of this year. And if you think that the bailout will help the situation, you might want to read this article: who does the mortgage giant bailout help? Prepare for an Income Loss Do home mortgage defaults and layoffs have anything to do with each other? Well, according to the much maligned Freddie Mac, unemployment or income loss is the leading cause of mortgage default. In an ideal world, we would all have 6 months of income stashed in a bank account in case of an income loss. But lately, with rising gas and food prices, most of us have had to dig into that savings account. So what can you do? Well many people can qualify for a supplemental job loss protection program. Instead of a loan company financed mortgage protection plan, which only pays the mortgage company, you can get a plan that actually pays you cash if you are layed off. I think that giving the consumer the [...]
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		<title>Consumerism: When Less Is More with Anti Consumerism</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/consumerism-when-less-is-more-with-anti-consumerism/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/consumerism-when-less-is-more-with-anti-consumerism/#comments</comments>
		<pubDate>Sat, 14 Jun 2008 15:56:03 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Frugal Retail Shopping]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[consumerism]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=38</guid>
		<description><![CDATA[Why Anti-Consumerism? Isn&#8217;t that Anti-American? I grew up in a very frugal home. My parents paid cash for used cars, and we lived in older homes with small mortgages that were well within their means. My folks always had money for important things like health insurance, glasses, or emergency travel. They had what we used to call a depression mentality, and as a young person, I struggled against it. Of course, I wanted a better bike, a fancier bedroom set, and more clothes that had not come from my older sister. So as a young adult, I saved some, but mostly felt as if some extra cash in my hand was a prime reason for purchasing new electronics, hip mall clothes, and whatever else I just had to have. And of course, I took out loans for brand new cars on the lot, and those cars seldom were paid off before being traded in. I found this article on a term called Off-Consumerism, and it fits in with my new mentality. I like the shoe comparison, because well, we all need shoes. Maybe we even need a few different types of shoes. For instance, I still believe a reasonable person [...]
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		<title>Really Cheap Life Insurance Rates</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/really-cheap-life-insurance-rates/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/really-cheap-life-insurance-rates/#comments</comments>
		<pubDate>Tue, 10 Jun 2008 21:06:51 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=33</guid>
		<description><![CDATA[Do You Know About No Load Life Insurance? We certainly see a lot of ads for cheap life insurance, but you seldom see an ad for no load life insurance. This is because this life insurance is sold without adding the commission fees into the premium, and so it is much cheaper. Do not assume you get the lowest, no load rates, even if you purchase a policy direct from an insurance company either because they still have to recoup their advertising. Insurance companies spend a lot in TV ads, direct mailers, and magazine spreads. The absolute cheapest policy would probably be  no load term life insurance.  These are usually purchased from a financial advisor who earns his money by charging a fee for consulting, or who is a salaried employee of an insurance or financial company. Permanant life insurance like whole life or universal life insurance costs more because it builds a cash value, but with a no load policy, the cash value can begin accumulating right away. A cash value does not usually begin until the commission expense has been recouped by the insurance company. If you are looking for more traditional, affordable life insurance why not take [...]
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		<title>Cheap Health Insurance &#8212; Oxymoron?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/insurance/cheap-health-insurance-oxymoron/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/insurance/cheap-health-insurance-oxymoron/#comments</comments>
		<pubDate>Wed, 04 Jun 2008 20:18:07 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[insurance]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[medical]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=27</guid>
		<description><![CDATA[Can You Pinch Pennies On Health Insurance? Well, if you live in the US, and need to obtain an individual health insurance policy, it make seem impossible to find cheep health insurance. In fact, this website calls it cheep health insurance! But we actually have some very valid tips. First, look at the deductible. Raising the deductible is one of the surest ways to reduce the premium. The difference between a $1k yearly deductible and a $5k deductible can be hundreds of dollars a year. An HSA account, which allows you to earn interest in a savings account that can be used to meet the deductble and copays, and which also has tax advantages, can be a great step towards frugal health insurance! Learn more about how to find the best individual health insurance for you and your family. If you are confused about the different types of health insurance, look at a comparison between HSA and PPO and HMO Medical Plans. If you run a small business, you may need to decide how you are going to obtain medical coverage for yourself, your family, and your employees. Look at Small Business Health Insurance for a comparison between group vs. [...]
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