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  <title>rediff: Personal Finance</title>
  <link>http://www.rediff.com/money/perfin.htm</link>  
  <description>India's largest news and entertainment service online.</description>
  <language>en-us</language>
  <pubDate>Sun, 08 Nov 2009 02:24:10 GMT</pubDate>
  <copyright>Copyright: (C) 2009 Rediff.com India Limited. All Rights Reserved.</copyright>
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<!--06-11-2009:12:38:34-->
<item>
  <title><![CDATA[What makes real estate investments unique?]]></title>
  <link>http://business.rediff.com/report/2009/nov/06/perfin-what-makes-real-estate-investments-unique.htm</link>
  <description><![CDATA[Real estate has a combination of characteristics that are not available through other asset classes, thus making it somewhat unique as an asset class.]]></description>
  <image>http://im.rediff.com/money/2009/nov/03realest.jpg</image>
</item>
<!--06-11-2009:12:26:09-->
<item>
  <title><![CDATA[3 tips on property investment process]]></title>
  <link>http://business.rediff.com/report/2009/nov/06/perfin-3-tips-on-property-investment-process.htm</link>
  <description><![CDATA[When it comes to the process of making a property investment and exiting from it, there are a few things like transaction costs, liquidity and cash that you must keep in mind.]]></description>
  <image>http://im.rediff.com/money/2009/nov/PM.jpg</image>
</item>
<!--05-11-2009:17:01:49-->
<item>
  <title><![CDATA[Why prepaying home loan is a good tactic]]></title>
  <link>http://business.rediff.com/report/2009/nov/05/perfin-why-prepaying-home-loan-is-a-good-tactic.htm</link>
  <description><![CDATA[Are there times when you feel really impatient about the fact that you need to wait several more years to free your home from debt? Well, here is a thought for you.]]></description>
  <image>http://im.rediff.com/money/2009/nov/02home1.jpg</image>
</item>
<!--05-11-2009:16:56:48-->
<item>
  <title><![CDATA[Why everyone must have a budget]]></title>
  <link>http://business.rediff.com/report/2009/nov/05/perfin-why-everyone-must-have-a-budget.htm</link>
  <description><![CDATA[Planning your budget makes you aware of your financial situation and helps you create a contingency fund to tap into, when in need. Now how do you start preparing to put money consistently into this contingency fund? Read on...]]></description>
  <image>http://im.rediff.com/money/2009/nov/05pranab.jpg</image>
</item>
<!--05-11-2009:12:02:14-->
<item>
  <title><![CDATA[The benefits of investing in mutual funds]]></title>
  <link>http://business.rediff.com/report/2009/nov/05/chat-transcript-the-benefits-of-investing-in-mutual-funds.htm</link>
  <description><![CDATA[Financial planning expert Sailesh Multani offers some investment tips.]]></description>
  <image>http://im.rediff.com/money/2009/nov/04gold1.jpg</image>
</item>
<!--04-11-2009:15:46:29-->
<item>
  <title><![CDATA[Read this before you opt for home loan!]]></title>
  <link>http://business.rediff.com/report/2009/nov/04/perfin-read-this-before-you-opt-for-home-loan.htm</link>
  <description><![CDATA[There are many pitfalls that can turn this smooth process into a bumpy one. Here are some of those pitfalls that you should be aware of and avoid.]]></description>
  <image>http://im.rediff.com/money/2009/nov/04housing1.jpg</image>
</item>
<!--04-11-2009:15:46:00-->
<item>
  <title><![CDATA[The awesome power of compounding!]]></title>
  <link>http://business.rediff.com/report/2009/nov/04/perfin-the-awesome-power-of-compounding.htm</link>
  <description><![CDATA[How does compounding work? Well, when you save Rs 100 and get an annual interest of 10%, you will have Rs 110 at the end of one year. Due to compounding the next year you will get a 10% interest on Rs 110, which will then leave you with Rs 121. The next year, interest will be calculated on Rs 121 at 10% and so on. In time, these savings will grow exponentially.]]></description>
  <image>http://im.rediff.com/money/2009/nov/04int.jpg</image>
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<!--04-11-2009:15:38:49-->
<item>
  <title><![CDATA[Warning! Check the home loan agreement carefully]]></title>
  <link>http://business.rediff.com/report/2009/nov/04/perfin-read-home-loan-agreement-carefully.htm</link>
  <description><![CDATA[A loan agreement is a 'contract' entered into between the borrower and the lender (banks and financial institutions) that regulates the terms of a loan. The loan agreement comes into picture immediately after the bank appraises your credit and the property that you have identified.]]></description>
  <image>http://im.rediff.com/money/2009/nov/money1.jpg</image>
</item>
<!--03-11-2009:09:55:53-->
<item>
  <title><![CDATA[Cafe Coffee Day to invest Rs 150 cr]]></title>
  <link>http://business.rediff.com/report/2009/nov/03/cafe-coffee-day-to-invest-rs-150-cr.htm</link>
  <description><![CDATA[The company is also going in for a major facelift and as part of this ongoing effort, CCD has unveiled a new logo to represent the chain. The new change also entails CCD's all new 'smart' menu card that are designed to facilitate an interactive and enhanced customer service.]]></description>
  <image>http://im.rediff.com/money/2009/nov/02pharma.jpg</image>
</item>
<!--02-11-2009:17:37:14-->
<item>
  <title><![CDATA[Pre-payment penalty on loans? Banks under lens]]></title>
  <link>http://business.rediff.com/report/2009/nov/02/perfin-banks-under-lens-over-pre-payment-penalty-on-loans.htm</link>
  <description><![CDATA[Several banks and housing finance companies have come under the scanner of the competition watchdog for imposing penalty on pre-payment of loans.]]></description>
  <image>http://im.rediff.com/money/2009/nov/02realty.jpg</image>
</item>
<!--02-11-2009:14:15:19-->
<item>
  <title><![CDATA[Why it's risky to become a guarantor]]></title>
  <link>http://business.rediff.com/report/2009/nov/02/perfin-why-its-risky-to-become-a-guarantor.htm</link>
  <description><![CDATA[Gauge your financial strength and the borrower's before sticking your neck out.]]></description>
  <image>http://im.rediff.com/money/2009/nov/02loan.jpg</image>
</item>
<!--02-11-2009:13:30:15-->
<item>
  <title><![CDATA[7 point checklist for investing in real estate]]></title>
  <link>http://business.rediff.com/report/2009/nov/02/perfin-7-point-checklist-for-investing-in-real-estate.htm</link>
  <description><![CDATA[Investing requires discipline. One cannot blindly invest money without knowing what one is getting into.]]></description>
  <image>http://im.rediff.com/money/2009/nov/Maharaja.jpg</image>
</item>
<!--31-10-2009:03:09:24-->
<item>
  <title><![CDATA[PepsiCo seeks FIPB nod to invest USD 200 mn more]]></title>
  <link>http://business.rediff.com/report/2009/oct/31/pepsico-seeks-fipb-nod-to-invest-usd-200-mn-more.htm</link>
  <description><![CDATA[Soft drinks and foods major Pepsico India Holdings Pvt Ltd has applied to the Foreign Investment Promotion Board to invest an additional $200 million (around Rs 950 crore) as equity in its Indian operations.]]></description>
  <image>http://im.rediff.com/money/2009/oct/CAT1.jpg</image>
</item>
<!--30-10-2009:17:22:52-->
<item>
  <title><![CDATA[Why you should invest in gold]]></title>
  <link>http://business.rediff.com/report/2009/oct/30/perfin-why-you-should-invest-in-gold.htm</link>
  <description><![CDATA[The most compelling reason for putting money in gold is its role as a long-term or strategic asset.]]></description>
  <image>http://im.rediff.com/money/2009/oct/30gold.jpg</image>
</item>
<!--30-10-2009:17:20:51-->
<item>
  <title><![CDATA[Cash flow statement: What it tells you?]]></title>
  <link>http://business.rediff.com/report/2009/oct/30/perfin-what-the-cash-flow-statement-tells-you.htm</link>
  <description><![CDATA[Here we will read about the basics of a cash flow statement, its different sections and what cash flow statement can tell you about a company.]]></description>
  <image>http://im.rediff.com/money/2009/oct/30cashflow.jpg</image>
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