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    <title>Finance Discussion Board</title>
    <link>http://www.viewpoints.com/discussion_boards/Finance/latest_topics</link>
    <pubDate>Sun, 29 Nov 2009 05:10:47 GMT</pubDate>
    <description>Finance Discussion Board</description>
    <item>
      <title>Coupons Anyone</title>
      <link>http://www.viewpoints.com/discussion_boards/Finance/topics/Coupons-Anyone/posts</link>
      <description>&lt;p&gt;I'm not a fanatic, but I try to use coupons as often as possible, whether that means clipping them from the newspaper, using the Entertainment book, or using online coupon codes. Even when money wasn't an issue I felt that it doesn't grow on trees so I shouldn't waste it so I use coupons whenever I can. A few weeks back I got those Kroger coupons that were previously mentioned and was thrilled to find several free coupons in the pack. I got mayo, butter, milk, Special K and a few other thngs FREE!&amp;nbsp; Gotta love that.&lt;/p&gt;</description>
      <pubDate>Tue, 01 Dec 2009 14:57:11 GMT</pubDate>
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      <dc:creator>Buggheart</dc:creator>
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      <cns:num_of_posts>13</cns:num_of_posts>
      <cns:creator_badge>Staff</cns:creator_badge>
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      <title>Being Financially Responsible has just become a BAD thing!</title>
      <link>http://www.viewpoints.com/discussion_boards/Finance/topics/Being-Financially-Responsible-has-just-become-a-BAD-thing-/posts</link>
      <description>&lt;p&gt;I don't know if either of these things will help but the first is an article I recently did on new credit card laws for next year ...&amp;nbsp;&lt;/p&gt;
&lt;p&gt;http://www.identitytheftsecrets.com/the-new-credit-cards-laws-go-into-effect.html and here is a new government agency that is proposed to protect consumers finances&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;http://www.associatedcontent.com/article/2437370/consumer_financial_protection_agency.html?cat=3&lt;/p&gt;</description>
      <pubDate>Sun, 29 Nov 2009 05:10:47 GMT</pubDate>
      <guid>http://www.viewpoints.com/discussion_boards/Finance/topics/Being-Financially-Responsible-has-just-become-a-BAD-thing-/posts</guid>
      <dc:creator>LisaCarey</dc:creator>
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      <cns:num_of_posts>11</cns:num_of_posts>
      <cns:creator_badge>VIP</cns:creator_badge>
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      <title>Ratio Analysis</title>
      <link>http://www.viewpoints.com/discussion_boards/Finance/topics/Ratio-Analysis/posts</link>
      <description>&lt;p&gt;Ratio analysis is an excellent method for determining the overall financial condition of your small business. They are also very useful for making comparisons between your business and other businesses in your industry. Ratios are useful to so many groups because they provide benchmark measures and help clarify or answer critical financial questions about organizational performance. I agree with you that financial ratios are the valuable and easy way to interpret the numbers found in statements. Examining these ratios over time provides some insight as to how effectively the business is being operated. Different ratios such as liquidity, safety, profitability, efficiency, etc are equally useful for making comparisons between your business and other businesses in your industry. Subscribe to FINTEL, you will find it quite helpful.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
      <pubDate>Sat, 28 Nov 2009 10:04:45 GMT</pubDate>
      <guid>http://www.viewpoints.com/discussion_boards/Finance/topics/Ratio-Analysis/posts</guid>
      <dc:creator>Robertus</dc:creator>
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      <cns:num_of_posts>1</cns:num_of_posts>
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      <title>Business Plan</title>
      <link>http://www.viewpoints.com/discussion_boards/Finance/topics/Business-Plan/posts</link>
      <description>&lt;p&gt;A business plan is essential for your enterprise. Whether your business is starting up or already established, it's the roadmap for future development. Considering the basic components of a business plan, you should make the business plan simple, but complete, and realistic.  I believe that a good business plan helps to convince your investor to have confidence in you and your company and to lend you the money. I have taken help of FINTEL's team while developing business plan for my organization.&lt;/p&gt;</description>
      <pubDate>Sat, 28 Nov 2009 10:02:34 GMT</pubDate>
      <guid>http://www.viewpoints.com/discussion_boards/Finance/topics/Business-Plan/posts</guid>
      <dc:creator>Robertus</dc:creator>
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      <title>What affects currency fluctuations?</title>
      <link>http://www.viewpoints.com/discussion_boards/Finance/topics/What-affects-currency-fluctuations-/posts</link>
      <description>&lt;p&gt;
&lt;p&gt;Are you speaking of the dollar, or currency in general?&amp;nbsp; In general currency fluctuations affect the price of all types of goods and services.&amp;nbsp; Anything that is traded on the stock markets around the world, and the commodity &amp;nbsp;exchanges, are affected by the various currency exchanges. &amp;nbsp;&amp;nbsp;The price of oil is heavily influenced by the rise and fall of the U.S. dollar.&amp;nbsp; As the dollar drops, more and more investors drop the U.S. greenback as an investment and purchase oil futures, thus contributing to the rise price of a barrel of crude.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;This is true of the price of gold; as the dollar continue to lose value against other currencies, the price of gold rises and more and more investors dump dollars and purchase gold, thus driving up the price. &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
Vincent &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;</description>
      <pubDate>Fri, 20 Nov 2009 01:48:21 GMT</pubDate>
      <guid>http://www.viewpoints.com/discussion_boards/Finance/topics/What-affects-currency-fluctuations-/posts</guid>
      <dc:creator>TheBard</dc:creator>
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