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<title>ECMC FAB - Financial Awareness Basics</title>
     <itunes:author>ECMC FAB</itunes:author>
   <itunes:link rel="image" type="video/jpeg" href="http://www.ecmc.org/podcasts/fab/PodcastFab.png">Fab Logo</itunes:link>
<itunes:image>http://www.ecmc.org/podcasts/fab/PodcastFab.png</itunes:image>
           <image><url>http://www.ecmc.org/podcasts/fab/PodcastFab.png</url>
               <title>ECMC FAB - Financial Awareness Basics</title>

               <width>600</width>
               <height>600</height></image>

     <itunes:explicit>no</itunes:explicit>
     <itunes:category text="Education">
<itunes:category text="Higher Education"/></itunes:category>

<itunes:keywords>ECMC, FAB, Financial, Literacy, Awareness, Basics, Money, Management, Budget, Budgeting, College, Student, FAFSA, Federal, Loan, Repayment, Scholarship, Spending, Plan, Aid, Credit, Card, Report, Programs, Graduate, Undergraduate, Grad, Parents, Borrower, Borrow, Higher, Education, Identity, Theft, Calculator</itunes:keywords>
     <link>http://www.ecmc.org/podcasts/fab/index.xml</link>

     <description>These short podcasts focus on money-related topics with students in mind. Take a couple of minutes to listen, you may be surprised at what you learn.</description>
     <language>en-us</language>
     <copyright>Copyright  2008 Educational Credit Management Corporation. All rights reserved.</copyright>
     <lastBuildDate>Wed, 22 Oct 2008 19:06:34 GMT</lastBuildDate>

     <ttl>60</ttl>
     
     <item>
          <title>The Time Value of Money</title> 
          <link>http://www.ecmc.org/podcasts/fab/video/TimeValue.mp4</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:01</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Everything you buy is paid for with your time. Whether you have to work ten hours to earn enough money to buy shoes or have to take out a loan to pay school expenses, you'll pay it back through your time/future earnings. This podcast offers another way to inspire you to cut back on spending, by considering how much time it takes to pay for "stuff." (Running Time 0:03:01)</description>

          <pubDate>Thurs, 7 May 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/video/TimeValue.mp4" length="11089660" type="video/mp4"/>
     </item>     
     
     <item>
          <title>Sell Your Stuff</title> 
          <link>http://www.ecmc.org/podcasts/fab/video/SellYourStuff.mp4</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:28</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Now is a great time to reduce clutter and make a little bit of extra cash. From garage sales to online selling, there are lots of ways to get rid of the old stuff you never use. This podcast will offer some steps to get started if you’re ready to downsize your pile of unwanted (but still useful) belongings.  (Running Time 0:03:28)</description>

          <pubDate>Thurs, 7 May 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/video/SellYourStuff.mp4" length="12827516" type="video/mp4"/>
     </item>     
     
     <item>
          <title>Becoming a Millionaire</title> 
          <link>http://www.ecmc.org/podcasts/fab/video/Millionaire.mp4</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:36</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>You too can get rich… slowly. During troubled economic times it may be stressful to think about investing for the future. This podcast will give you some basic starting  points to point you on the path to future wealth. (Running Time 0:02:36)</description>

          <pubDate>Thurs, 7 May 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/video/Millionaire.mp4" length="9473316" type="video/mp4"/>
     </item>     
      
      <item>
          <title>Involuntary Simplicity</title> 
          <link>http://www.ecmc.org/podcasts/fab/video/Involuntary.mp4</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:39</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Everybody talks about the need to cut back on expenses. If you're a student or just short on funds, it's time for you to get cheap through involuntary simplicity. This podcast will help you get started on your quest to cut back. (Running Time 0:03:39)</description>

          <pubDate>Thurs, 7 May 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/video/Involuntary.mp4" length="13560024" type="video/mp4"/>
     </item>     
      
      <item>
          <title>Surviving An Overspending Hangover</title> 
          <link>http://www.ecmc.org/podcasts/fab/video/Hangover.mp4</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:25</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Overspending often causes anxiety and stress.  It can be a challenge to know where to start once it's happened.  This podcast offers steps to tackle getting back on track and knowing how to avoid overspending in the future.  (Running Time 0:02:25)</description>

          <pubDate>Thurs, 7 May 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/video/Hangover.mp4" length="8963692" type="video/mp4"/>
     </item>
	 
	 <item>
          <title>Know Your Money Flow</title> 
          <link>http://www.ecmc.org/podcasts/fab/KnowYourMoneyFlow.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:48</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Each day, money moves in and out of our lives. Whether it's to pay a bill or to fatten your checking account, understanding how money flows in and out of your life can improve your chances of managing it well. This podcast will show you some basic ways to figure your money flow to help you stay in tune with your finances. (Running Time 0:02:48)</description>

          <pubDate>Thurs, 9 Apr 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/KnowYourMoneyFlow.mp3" length="1359336" type="audio/mpeg"/>
     </item>
     
     <item>
          <title>Shopping for a Credit Card</title> 
          <link>http://www.ecmc.org/podcasts/fab/ShoppingForACreditCard.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:01</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>There are lots of credit cards out there to choose from. Which one is best for you? This podcast focuses on how to shop for a credit card along with some of the pitfalls to avoid. (Running Time 0:03:01)</description>

          <pubDate>Thurs, 26 Mar 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/ShoppingForACreditCard.mp3" length="1463179" type="audio/mpeg"/>
     </item>
     
     <item>
          <title>FICO and Vantage Scores</title> 
          <link>http://www.ecmc.org/podcasts/fab/FICOandVantage.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:29</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Your credit score has an ever present influence over your life. Whether you're looking for a loan, apartment or a job, the software algorithm that reads your credit report and assigns a number to summarize your credit rating is important to understand. This podcast discusses some basic elements that the major providers of credit scoring systems use to determine your score. (Running Time 0:02:29)</description>

          <pubDate>Thurs, 12 Mar 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/FICOandVantage.mp3" length="1210816" type="audio/mpeg"/>
     </item>
     
     <item>
          <title>The FDIC and NCUA</title> 
          <link>http://www.ecmc.org/podcasts/fab/FDICandNCUA.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:50</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>With the recent failures of major banks and the general financial crisis gripping the nation, we're all a little concerned with the safety of our investments. This podcast focuses on basic information about the Federal Deposit Insurance Corporation as well as the National Credit Union Administration and will help you to understand what types of accounts are protected. (Running Time 0:02:50)</description>

          <pubDate>Thurs, 26 Feb 2009 19:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/FDICandNCUA.mp3" length="1374325" type="audio/mpeg"/>
     </item>
     
     <item>
          <title>Financial Goal Setting</title> 
          <link>http://www.ecmc.org/podcasts/fab/FinancialGoalSetting.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:11</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Do you know what you want your lifestyle to be like in five years? In ten years? While budgeting is too often all about personal deprivation, financially successful people cut back to get the lifestyle they want. This podcast will help you to set financial goals to put you on the right track. (Running Time 0:03:11)</description>

          <pubDate>Thurs, 12 Feb 2009 19:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/FinancialGoalSetting.mp3" length="1549534" type="audio/mpeg"/>
     </item>
     
     
       <item>
          <title>Financial Stress Reducers</title> 
          <link>http://www.ecmc.org/podcasts/fab/DontPanic.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:51</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Money and stress seem to go hand in hand, especially when there's no money in hand to stress about! This podcast offers some basic ways to reduce your money stress levels in order to better maintain peace within your financial life. (Running Time 0:02:51)</description>

          <pubDate>Wed, 28 Jan 2009 18:45:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/DontPanic.mp3" length="1387931" type="audio/mpeg"/>
     </item>
     
     
     <item>
          <title>Lowering Your Grocery Bills</title> 
          <link>http://www.ecmc.org/podcasts/fab/LoweringYourGroceryBills.mp3</link>

          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:02:51</itunes:duration>
          <itunes:explicit>no</itunes:explicit>
          <description>Skyrocketing grocery costs and an economic downturn have made penny-pinching more appealing to everyone.  This podcast discusses some basic ways to lower your grocery costs while still having healthy, home-cooked meals. (Running Time 0:02:51)</description>

          <pubDate>Tue, 6 Jan 2009 16:00:00 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/LoweringYourGroceryBills.mp3" length="1382862" type="audio/mpeg"/>
     </item>
     
     
         <item>
          <title>Commuter Cost Savings</title>

          <link>http://www.ecmc.org/podcasts/fab/Saving_on_Commuting_Costs.mp3</link>
          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">
<itunes:category text="Higher Education"/>

</itunes:category>
          <itunes:duration>0:03:20</itunes:duration>
          <itunes:explicit>no</itunes:explicit>

          <description> Higher fuel costs have made car travel out of reach for many of us. Fortunately, there are alternative ways to get around. This podcast offers some alternative transportation ideas to get you out and moving! (Running Time 0:03:20)</description>
          <pubDate>Wed, 22 Oct 2008 18:45:45 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/Saving_on_Commuting_Costs.mp3" length="1607738" type="audio/mpeg"/>
     </item>



     <item>

          <title>Annual Credit Report Dot Com</title> 
          <link>http://www.ecmc.org/podcasts/fab/Annual_Credit_Report_dot_com.mp3</link>
          <itunes:author>ECMC FAB</itunes:author>
          <itunes:category text="Education">

<itunes:category text="Higher Education"/>
</itunes:category>
          <itunes:duration>0:03:08</itunes:duration>
          <itunes:explicit>no</itunes:explicit>

          <description>Checking your credit report regularly is an important aspect to managing your financial life. This podcast gives basic instructions on how to order your free credit report from three of the major credit bureaus. (Running Time 0:03:08)</description>
          <pubDate>Wed, 22 Oct 2008 18:45:45 GMT</pubDate>
          <enclosure url="http://www.ecmc.org/podcasts/fab/Annual_Credit_Report_dot_com.mp3" length="1505110" type="audio/mpeg"/>
     </item>
	 

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