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	<title>New Jersey 101.5 &#187; personal finance</title>
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	<link>http://nj1015.com</link>
	<description>New Jersey News</description>
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		<title>More Get Socked With Overdraft Fees, Study Shows  [AUDIO]</title>
		<link>http://nj1015.com/study-shows-more-people-get-socked-with-overdraft-fees-audio/</link>
		<comments>http://nj1015.com/study-shows-more-people-get-socked-with-overdraft-fees-audio/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 14:00:55 +0000</pubDate>
		<dc:creator>Joe Cutter</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=277843</guid>
		<description><![CDATA[A new federal study find those bank fees for overdrawing on accounts is hitting consumers to the tune of $225 a year on average. The Federal Consumer Financial Protection Bureau says in the report that one in five checking customers overdraw their account. Many banks aren&#8217;t really complaining because the fees account for 60 percent [...]]]></description>
			<content:encoded><![CDATA[<p>A new federal study find those bank fees for overdrawing on accounts is hitting consumers to the tune of $225 a year on average.
<p class="more_act text"><a href="http://nj1015.com/study-shows-more-people-get-socked-with-overdraft-fees-audio/" title="More Get Socked With Overdraft Fees, Study Shows  [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/study-shows-more-people-get-socked-with-overdraft-fees-audio/#comments_wrap" title="More Get Socked With Overdraft Fees, Study Shows  [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Four in 10 NJ Residents Live Paycheck to Paycheck [POLL/AUDIO]</title>
		<link>http://nj1015.com/four-in-10-nj-residents-live-paycheck-to-paycheck-pollaudio/</link>
		<comments>http://nj1015.com/four-in-10-nj-residents-live-paycheck-to-paycheck-pollaudio/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 09:00:59 +0000</pubDate>
		<dc:creator>Kevin McArdle</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[cost of living in New Jersey]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=275820</guid>
		<description><![CDATA[A new survey reveals that four in 10 New Jersey residents are living paycheck to paycheck, and 43 percent say they have had to cut back to make ends meet.  The survey from the Wells Fargo&#8217;s Wealth, Brokerage &#38; Retirement Group revealed that only 47 percent of New Jerseyans are currently financially comfortable with where [...]]]></description>
			<content:encoded><![CDATA[<p>A new survey reveals that four in 10 New Jersey residents are <strong><a href="http://nj1015.com/?submit_button=&amp;s=cost+of+living+in+new+jersey">living paycheck to paycheck</a></strong>, and 43 percent say they have had to cut back to make ends meet. 
<p class="more_act text"><a href="http://nj1015.com/four-in-10-nj-residents-live-paycheck-to-paycheck-pollaudio/" title="Four in 10 NJ Residents Live Paycheck to Paycheck [POLL/AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/four-in-10-nj-residents-live-paycheck-to-paycheck-pollaudio/#comments_wrap" title="Four in 10 NJ Residents Live Paycheck to Paycheck [POLL/AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>More Moms Bring Home the Bacon, Says Study [AUDIO]</title>
		<link>http://nj1015.com/more-moms-bring-home-the-bacon-says-study-audio/</link>
		<comments>http://nj1015.com/more-moms-bring-home-the-bacon-says-study-audio/#comments</comments>
		<pubDate>Thu, 30 May 2013 14:00:17 +0000</pubDate>
		<dc:creator>Kelly Waldron</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[mother]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Women]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=272466</guid>
		<description><![CDATA[Of four in 10 households with children under the age of 18, mothers are the sole or primary provider. That&#8217;s according to new analysis from Pew Research Center using data from the U.S. Census Bureau. The number is up from 11 percent in 1960. So-called &#8220;breadwinner moms&#8221; are made up of two groups: 5.1 million, [...]]]></description>
			<content:encoded><![CDATA[<p>Of four in 10 households with children under the age of 18, mothers are the sole or primary provider.
<p class="more_act text"><a href="http://nj1015.com/more-moms-bring-home-the-bacon-says-study-audio/" title="More Moms Bring Home the Bacon, Says Study [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/more-moms-bring-home-the-bacon-says-study-audio/#comments_wrap" title="More Moms Bring Home the Bacon, Says Study [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://tsminteractive.com/files/2013/03/woman-congratulated-at-work.jpg" height="420" width="630" /><media:description xmlns:media="http://search.yahoo.com/mrss/">Hemera</media:description>	</item>
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		<title>How Much Does A Family Of Four Cost In NJ? [AUDIO]</title>
		<link>http://nj1015.com/how-much-does-a-family-of-four-cost-in-nj-audio/</link>
		<comments>http://nj1015.com/how-much-does-a-family-of-four-cost-in-nj-audio/#comments</comments>
		<pubDate>Wed, 22 May 2013 10:30:55 +0000</pubDate>
		<dc:creator>David Matthau</dc:creator>
				<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=269416</guid>
		<description><![CDATA[A new Gallup poll finds many Americans think a family of four needs about $58,000 a year to get by in their community, but most New Jerseyans believe the total should be a lot higher. &#8220;I think we need a lot more than that, probably double,&#8221; said one shopper on Route 1 in Mercer County. [...]]]></description>
			<content:encoded><![CDATA[<p>A new Gallup poll finds many Americans think a family of four needs about $58,000 a year to get by in their community, but most New Jerseyans believe the total should be a lot higher.
<p class="more_act text"><a href="http://nj1015.com/how-much-does-a-family-of-four-cost-in-nj-audio/" title="How Much Does A Family Of Four Cost In NJ? [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/how-much-does-a-family-of-four-cost-in-nj-audio/#comments_wrap" title="How Much Does A Family Of Four Cost In NJ? [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>More Divorces Due to Economic Recovery? [AUDIO]</title>
		<link>http://nj1015.com/more-divorces-due-to-economic-recovery-audio/</link>
		<comments>http://nj1015.com/more-divorces-due-to-economic-recovery-audio/#comments</comments>
		<pubDate>Thu, 16 May 2013 09:19:47 +0000</pubDate>
		<dc:creator>Dino Flammia</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=266655</guid>
		<description><![CDATA[The struggling economy may have been responsible for keeping married couples together. Lawyers in New Jersey and across the country have noticed a spike in divorces since the nation started crawling out of the recession. &#8220;We&#8217;ve seen a dramatic uptick,&#8221; said Bari Weinberger of the Weinberger Law Group in Freehold and Parsippany. &#8220;The divorce filings [...]]]></description>
			<content:encoded><![CDATA[<p>The struggling economy may have been responsible for keeping married couples together.
<p class="more_act text"><a href="http://nj1015.com/more-divorces-due-to-economic-recovery-audio/" title="More Divorces Due to Economic Recovery? [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/more-divorces-due-to-economic-recovery-audio/#comments_wrap" title="More Divorces Due to Economic Recovery? [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>New Jerseyans Express Cost Concerns, Survey Shows [AUDIO]</title>
		<link>http://nj1015.com/new-jerseyans-express-cost-concerns-survey-shows-audio/</link>
		<comments>http://nj1015.com/new-jerseyans-express-cost-concerns-survey-shows-audio/#comments</comments>
		<pubDate>Tue, 14 May 2013 09:24:58 +0000</pubDate>
		<dc:creator>Joe Cutter</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[Monmouth County]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Union County]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=265685</guid>
		<description><![CDATA[A new survey of New Jersey residents, who have a fair amount of assets, shows the future of healthcare costs and working later in life are very much on their minds. Merrill Edge did the survey of those with $50,000 to $250,000 in assets in Monmouth and Union counties, which they dub the, &#8220;mass affluent.&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p>A new survey of New Jersey residents, who have a fair amount of assets, shows the future of healthcare costs and working later in life are very much on their minds.
<p class="more_act text"><a href="http://nj1015.com/new-jerseyans-express-cost-concerns-survey-shows-audio/" title="New Jerseyans Express Cost Concerns, Survey Shows [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/new-jerseyans-express-cost-concerns-survey-shows-audio/#comments_wrap" title="New Jerseyans Express Cost Concerns, Survey Shows [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://wac.450F.edgecastcdn.net/80450F/nj1015.com/files/2013/04/52226791.jpg" height="399" width="594" /><media:description xmlns:media="http://search.yahoo.com/mrss/">(Photo by Chung Sung-Jun/Getty Images)</media:description>	</item>
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		<title>College Loan Debt Affecting Life Decisions, Study Says [AUDIO]</title>
		<link>http://nj1015.com/college-loan-debt-affecting-life-decisions-study-says-audio/</link>
		<comments>http://nj1015.com/college-loan-debt-affecting-life-decisions-study-says-audio/#comments</comments>
		<pubDate>Fri, 10 May 2013 13:00:04 +0000</pubDate>
		<dc:creator>Dino Flammia</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[students]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=264332</guid>
		<description><![CDATA[Student loan debt isn&#8217;t only a problem immediately after college. In fact, according to a new survey from the American Institute of CPAs, many borrowers are putting off big purchases and life events in order to keep up with their loan payments. Saving up for retirement was delayed by 41 percent of the people surveyed, [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://nj1015.com/tags/student-loan-debt" target="_blank"><strong>Student loan debt</strong></a> isn't only a problem immediately after college.
<p class="more_act text"><a href="http://nj1015.com/college-loan-debt-affecting-life-decisions-study-says-audio/" title="College Loan Debt Affecting Life Decisions, Study Says [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/college-loan-debt-affecting-life-decisions-study-says-audio/#comments_wrap" title="College Loan Debt Affecting Life Decisions, Study Says [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<item>
		<title>What Does it Cost to Live in New Jersey? [POLL/AUDIO]</title>
		<link>http://nj1015.com/what-does-it-cost-to-live-in-new-jersey-audio/</link>
		<comments>http://nj1015.com/what-does-it-cost-to-live-in-new-jersey-audio/#comments</comments>
		<pubDate>Mon, 06 May 2013 09:54:15 +0000</pubDate>
		<dc:creator>Dino Flammia</dc:creator>
				<category><![CDATA[Most Popular Posts]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=262230</guid>
		<description><![CDATA[More than one million full-time workers in New Jersey earn less that what it costs to cover the basics of daily life, according to the newest report from Legal Services of New Jersey. The numbers become even more grim when taking into account part-time workers and those without jobs. The study has found that an [...]]]></description>
			<content:encoded><![CDATA[<p>More than one million full-time workers in New Jersey earn less that what it costs to cover the basics of daily life, according to the <a href="http://www.lsnj.org/PDFs/RCL2013.pdf" target="_blank"><strong>newest report from Legal Services of New Jersey</strong></a>.
<p class="more_act text"><a href="http://nj1015.com/what-does-it-cost-to-live-in-new-jersey-audio/" title="What Does it Cost to Live in New Jersey? [POLL/AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/what-does-it-cost-to-live-in-new-jersey-audio/#comments_wrap" title="What Does it Cost to Live in New Jersey? [POLL/AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Have You Gotten A Raise Lately? [AUDIO]</title>
		<link>http://nj1015.com/have-you-gotten-a-raise-lately-audio/</link>
		<comments>http://nj1015.com/have-you-gotten-a-raise-lately-audio/#comments</comments>
		<pubDate>Mon, 06 May 2013 09:26:07 +0000</pubDate>
		<dc:creator>David Matthau</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[employers]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[Newsletter]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=252619</guid>
		<description><![CDATA[Profits are up, the financial markets keep shooting higher, and workers continue work longer hours, but wages are basically holding steady, according to a new study. The Economic Policy Institute reports productivity increased 80.4 percent between 1973 and 2011, while compensation has only gone up 10.7 percent during that same period. &#8220;Employers pay employees as [...]]]></description>
			<content:encoded><![CDATA[<p>Profits are up, the financial markets keep shooting higher, and workers continue work longer hours, but wages are basically holding steady, according to a new study.
<p class="more_act text"><a href="http://nj1015.com/have-you-gotten-a-raise-lately-audio/" title="Have You Gotten A Raise Lately? [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/have-you-gotten-a-raise-lately-audio/#comments_wrap" title="Have You Gotten A Raise Lately? [AUDIO]">Comment</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://wac.450F.edgecastcdn.net/80450F/nj1015.com/files/2012/09/6355360253_30e095425d.jpg" height="333" width="500" /><media:description xmlns:media="http://search.yahoo.com/mrss/">Flickr user: 401(K) 2012</media:description>	</item>
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		<title>Are You Going Broke Because Of ATM Fees? [AUDIO]</title>
		<link>http://nj1015.com/are-you-going-broke-because-of-atm-fees-audio/</link>
		<comments>http://nj1015.com/are-you-going-broke-because-of-atm-fees-audio/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 13:00:40 +0000</pubDate>
		<dc:creator>David Matthau</dc:creator>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[New Jersey News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[national]]></category>
		<category><![CDATA[NJ]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://nj1015.com/?p=254708</guid>
		<description><![CDATA[ATM fees keep going higher and higher in the Garden State. &#8220;Part of the reason that banks are nickel and diming consumers in this way is because there has been a lid on many of the fees that banks were able to charge. They would say that they have to make up these billions of [...]]]></description>
			<content:encoded><![CDATA[<p>ATM fees keep going higher and higher in the Garden State.
<p class="more_act text"><a href="http://nj1015.com/are-you-going-broke-because-of-atm-fees-audio/" title="Are You Going Broke Because Of ATM Fees? [AUDIO]">Read More</a><em>|</em><a href="http://nj1015.com/are-you-going-broke-because-of-atm-fees-audio/#comments_wrap" title="Are You Going Broke Because Of ATM Fees? [AUDIO]">Comment</a></p>
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	<media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://wac.450F.edgecastcdn.net/80450F/nj1015.com/files/2013/03/164567131.jpg" height="396" width="594" /><media:description xmlns:media="http://search.yahoo.com/mrss/">A man uses an ATM machine of the Bank Of Cyprus (Milos Bicanski/Getty Images)</media:description>	</item>
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