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    <title>Consumer Action</title>
    <link>http://www.consumer-action.org</link>
    <description></description>
    <dc:language>en-us</dc:language>
    <dc:creator>angela.kwan@consumer-action.org</dc:creator>
    <dc:rights>Copyright 2010</dc:rights>
    <dc:date>2010-02-09T18:05:55Z</dc:date>
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    <item>
      <title>Internet Safety &#45; Training Slides</title>
      <guid>http://www.consumer-action.org/english/articles/internet_safety_training_slides/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/internet_safety_training_slides/</link>
      <description>The Internet Safety Powerpoint training file is available for download in the &quot;Download File&quot; section.</description>
      <dc:subject>Privacy Rights, Fraud/Scams</dc:subject>
      <content:encoded><![CDATA[The Internet Safety Powerpoint training file is available for download in the "Download File" section.]]></content:encoded>
      <dc:date>2010-02-09T18:05:55Z</dc:date>
    </item>

    <item>
      <title>Internet Safety &#45; Seminar Lesson Plan and Class Activities</title>
      <guid>http://www.consumer-action.org/english/articles/internet_safety_seminar_lesson_plan_and_class_activities/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/internet_safety_seminar_lesson_plan_and_class_activities/</link>
      <description>This packet, only available as a PDF file, provides guidance for teachers and team leaders. The 22&#45;page packet contains a detailed curriculum, classroom activities and take home worksheets.</description>
      <dc:subject>Privacy Rights, Fraud/Scams</dc:subject>
      <content:encoded><![CDATA[This packet, only available as a PDF file, provides guidance for teachers and team leaders. The 22-page packet contains a detailed curriculum, classroom activities and take home worksheets.]]></content:encoded>
      <dc:date>2010-02-09T17:32:18Z</dc:date>
    </item>

    <item>
      <title>Questions &amp;amp; Answers about Internet Safety &#45; Internet Safety Trainer&#8217;s Manual</title>
      <guid>http://www.consumer-action.org/english/articles/questions_answers_about_internet_safety_trainers_manual/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/questions_answers_about_internet_safety_trainers_manual/</link>
      <description>This publication can help answer many questions about safety and security on the Internet and how to keep children, computer data and personal information safer and more secure. It outlines simple, but effective precautions and ways to avoid taking unnecessary risks when you are online.</description>
      <dc:subject>Privacy Rights, Fraud/Scams</dc:subject>
      <content:encoded><![CDATA[This publication can help answer many questions about safety and security on the Internet and how to keep children, computer data and personal information safer and more secure. It outlines simple, but effective precautions and ways to avoid taking unnecessary risks when you are online.]]></content:encoded>
      <dc:date>2010-01-27T14:26:41Z</dc:date>
    </item>

    <item>
      <title>Elder Fraud : Preventing Senior Scams &#45; Lesson Plan</title>
      <guid>http://www.consumer-action.org/english/articles/elder_fraud_preventing_senior_scams_lesson_plan/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/elder_fraud_preventing_senior_scams_lesson_plan/</link>
      <description>This updated packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)</description>
      <dc:subject>Fraud/Scams, Workshops/Trainings</dc:subject>
      <content:encoded><![CDATA[This updated packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)]]></content:encoded>
      <dc:date>2010-01-25T21:27:41Z</dc:date>
    </item>

    <item>
      <title>Get Credit for Your Hard Work (2009 Tax Year)</title>
      <guid>http://www.consumer-action.org/english/articles/get_credit_for_your_hard_work_eng/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/get_credit_for_your_hard_work_eng/</link>
      <description>The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2009 tax year.</description>
      <dc:subject>Money Management</dc:subject>
      <content:encoded><![CDATA[The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2009 tax year.]]></content:encoded>
      <dc:date>2010-01-07T15:00:26Z</dc:date>
    </item>

    <item>
      <title>Improve Your Credit &#45;&amp;nbsp; Put Bad Credit Behind You (2009)</title>
      <guid>http://www.consumer-action.org/english/articles/improve_your_credit_put_bad_credit_behind_you_2009_english/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/improve_your_credit_put_bad_credit_behind_you_2009_english/</link>
      <description>An easy&#45;to&#45;read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.</description>
      <dc:subject>Credit</dc:subject>
      <content:encoded><![CDATA[An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.]]></content:encoded>
      <dc:date>2009-12-24T19:10:46Z</dc:date>
    </item>

    <item>
      <title>GIVE THE GIFT of financial literacy</title>
      <guid>http://www.consumer-action.org/featured/articles/give_the_gift_of_financial_literacy/</guid>
      <link>http://www.consumer&#45;action.org/featured/articles/give_the_gift_of_financial_literacy/</link>
      <description>Consider a gift to Consumer Action. We know that we offer our consumer education materials and resources to you free of charge. But that doesn&#8217;t mean they don&#8217;t cost money to produce, or that they are valuable in helping people set their financial affairs in order. We work hard to help and empower individual consumers through our national advice hotline, our family of free, education websites that offer consumers solid, practical information on everything from protecting your identity to understanding life insurance, and by fiercely advocating for consumer rights in Washington, D.C. Please give today!</description>
      <dc:subject></dc:subject>
      <content:encoded><![CDATA[<p>Consider a gift to Consumer Action. We know that we offer our consumer education materials and resources to you free of charge. But that doesn&#8217;t mean they don&#8217;t cost money to produce, or that they are valuable in helping people set their financial affairs in order. We work hard to help and empower individual consumers through our national advice hotline, our family of free, education websites that offer consumers solid, practical information on everything from protecting your identity to understanding life insurance, and by fiercely advocating for consumer rights in Washington, D.C. Please give today!
</p>]]></content:encoded>
      <dc:date>2009-12-24T13:34:20Z</dc:date>
    </item>

    <item>
      <title>WORKPLACE PRIVACY: Your rights on the job</title>
      <guid>http://www.consumer-action.org/featured/articles/workplace_privacy_your_rights_on_the_job/</guid>
      <link>http://www.consumer&#45;action.org/featured/articles/workplace_privacy_your_rights_on_the_job/</link>
      <description>To protect your personal privacy and your job, you should know when and how employers can monitor and gather information about you. This publication explains some of the situations in which monitoring might occur in the workplace and explains your privacy rights as an employee.</description>
      <dc:subject></dc:subject>
      <content:encoded><![CDATA[<p>To protect your personal privacy and your job, you should know when and how employers can monitor and gather information about you. This publication explains some of the situations in which monitoring might occur in the workplace and explains your privacy rights as an employee.
</p>]]></content:encoded>
      <dc:date>2009-12-23T13:57:59Z</dc:date>
    </item>

    <item>
      <title>2009 California Lifeline &#45; PowerPoint Training Slides</title>
      <guid>http://www.consumer-action.org/english/articles/2009_california_lifeline_powerpoint_training_slides/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/2009_california_lifeline_powerpoint_training_slides/</link>
      <description>California Lifeline provides discounts on basic residential telephone service to eligible low&#45;income households. These PowerPoint slides were developed to help trainers and advocates explain the features and benefits of Lifeline phone service, how to apply for the program, and what consumers must do to continue their participation.</description>
      <dc:subject>Telephone, Workshops/Trainings</dc:subject>
      <content:encoded><![CDATA[California Lifeline provides discounts on basic residential telephone service to eligible low-income households. These PowerPoint slides were developed to help trainers and advocates explain the features and benefits of Lifeline phone service, how to apply for the program, and what consumers must do to continue their participation.]]></content:encoded>
      <dc:date>2009-12-04T01:01:51Z</dc:date>
    </item>

    <item>
      <title>ID Theft &amp;amp; Account Fraud (2009)</title>
      <guid>http://www.consumer-action.org/english/articles/id_theft_account_fraud/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/id_theft_account_fraud/</link>
      <description>An identity thief is an imposter who assumes another person&#8217;s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft&#8212;or ID theft&#8212;occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life.</description>
      <dc:subject>Privacy Rights, Fraud/Scams</dc:subject>
      <content:encoded><![CDATA[An identity thief is an imposter who assumes another person&#8217;s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft&#8212;or ID theft&#8212;occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life.
]]></content:encoded>
      <dc:date>2009-11-24T18:14:11Z</dc:date>
    </item>

    <item>
      <title>2009 Fall Issue</title>
      <guid>http://www.consumer-action.org/news/articles/2009_fall_issue/</guid>
      <link>http://www.consumer&#45;action.org/news/articles/2009_fall_issue/</link>
      <description>The Fall 2009 issue of Consumer Action News looks at gift cards&#8212;including an explanation of new gift card protections coming next year&#8212;and examines prepaid cards, which are alternatives to traditional credit and debit cards. The issue also contains news of Consumer Action&#39;s June 2009 fundraising event and notes about recipients of our annual Consumer Excellence Awards as well as a list of all donors and educational partners.</description>
      <dc:subject></dc:subject>
      <content:encoded><![CDATA[The Fall 2009 issue of Consumer Action News looks at gift cards&#8212;including an explanation of new gift card protections coming next year&#8212;and examines prepaid cards, which are alternatives to traditional credit and debit cards. The issue also contains news of Consumer Action's June 2009 fundraising event and notes about recipients of our annual Consumer Excellence Awards as well as a list of all donors and educational partners.]]></content:encoded>
      <dc:date>2009-11-12T15:02:41Z</dc:date>
    </item>

    <item>
      <title>Rebuilding Good Credit &#45;Seminar Lesson Plan Packet</title>
      <guid>http://www.consumer-action.org/english/articles/rebuilding_good_credit_seminar_lesson_plan_packet/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/rebuilding_good_credit_seminar_lesson_plan_packet/</link>
      <description>This packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)</description>
      <dc:subject>Credit, Workshops/Trainings</dc:subject>
      <content:encoded><![CDATA[This packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)]]></content:encoded>
      <dc:date>2009-10-28T18:20:51Z</dc:date>
    </item>

    <item>
      <title>Reverse Mortgages: Are They for You?</title>
      <guid>http://www.consumer-action.org/english/articles/reverse_mortgages/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/reverse_mortgages/</link>
      <description>Older homeowners may be able to borrow against their equity by taking a reverse mortgage. This publication provides an overview of how reverse mortgages work and what you need to look out for when considering a reverse mortgage.</description>
      <dc:subject>Housing, Home Financing</dc:subject>
      <content:encoded><![CDATA[Older homeowners may be able to borrow against their equity by taking a reverse mortgage. This publication provides an overview of how reverse mortgages work and what you need to look out for when considering a reverse mortgage.]]></content:encoded>
      <dc:date>2009-10-23T22:44:48Z</dc:date>
    </item>

    <item>
      <title>What to know if you rent</title>
      <guid>http://www.consumer-action.org/english/articles/what_to_know_if_you_rent/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/what_to_know_if_you_rent/</link>
      <description>This publication provides a general overview of what tenants need to know when renting or leasing an apartment or a home.</description>
      <dc:subject>Housing</dc:subject>
      <content:encoded><![CDATA[This publication provides a general overview of what tenants need to know when renting or leasing an apartment or a home.]]></content:encoded>
      <dc:date>2009-10-23T22:27:53Z</dc:date>
    </item>

    <item>
      <title>Workplace Privacy &#45; Powerpoint Slides</title>
      <guid>http://www.consumer-action.org/english/articles/workplace_privacy_powerpoint_slides/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/workplace_privacy_powerpoint_slides/</link>
      <description>These PowerPoint slides can be used with the Lesson Plan to hold a training on workplace privacy.</description>
      <dc:subject>Privacy Rights, Credit</dc:subject>
      <content:encoded><![CDATA[These PowerPoint slides can be used with the Lesson Plan to hold a training on workplace privacy.]]></content:encoded>
      <dc:date>2009-10-20T16:15:26Z</dc:date>
    </item>

    <item>
      <title>Workplace Privacy &#45; Lesson Plan and Class Activity</title>
      <guid>http://www.consumer-action.org/english/articles/workplace_privacy_lesson_plan_and_class_activity/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/workplace_privacy_lesson_plan_and_class_activity/</link>
      <description>This lesson plan is designed to help you hold a training on employee privacy in the workplace.</description>
      <dc:subject>Privacy Rights, Credit</dc:subject>
      <content:encoded><![CDATA[This lesson plan is designed to help you hold a training on employee privacy in the workplace.]]></content:encoded>
      <dc:date>2009-10-20T14:47:39Z</dc:date>
    </item>

    <item>
      <title>Workplace Privacy Guide</title>
      <guid>http://www.consumer-action.org/english/articles/workplace_privacy_guide/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/workplace_privacy_guide/</link>
      <description>This backgrounder guide on workplace privacy is written in question&#45;and&#45;answer format. It explains the limited nature of employee privacy rights in the workplace, and details when and how employers can observe and track employees&#8217; activities&#8212;including phone conversations and computer&#45;related tasks on company&#45;owned devices.</description>
      <dc:subject>Privacy Rights, Credit</dc:subject>
      <content:encoded><![CDATA[This backgrounder guide on workplace privacy is written in question-and-answer format. It explains the limited nature of employee privacy rights in the workplace, and details when and how employers can observe and track employees&#8217; activities&#8212;including phone conversations and computer-related tasks on company-owned devices.]]></content:encoded>
      <dc:date>2009-10-20T14:36:12Z</dc:date>
    </item>

    <item>
      <title>Buying a Home Leader&#8217;s Guide (2009)</title>
      <guid>http://www.consumer-action.org/english/articles/buying_a_home_leaders_guide_2009/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/buying_a_home_leaders_guide_2009/</link>
      <description>The Buying a Home Leader&#700;s Guide provides detailed information, written in question&#45;and&#45;answer format, to help teach potential homebuyers how to navigate the often complex process of purchasing a home. The guide covers such topics as how to choose a real estate professional, how to qualify for a mortgage, and what is involved in the settlement (closing) process. It also explains unfamiliar terms and provides tips and suggestions to help the purchase process go more smoothly.</description>
      <dc:subject>Housing, Buying a Home, Home Financing</dc:subject>
      <content:encoded><![CDATA[The Buying a Home Leader&#700;s Guide provides detailed information, written in question-and-answer format, to help teach potential homebuyers how to navigate the often complex process of purchasing a home. The guide covers such topics as how to choose a real estate professional, how to qualify for a mortgage, and what is involved in the settlement (closing) process. It also explains unfamiliar terms and provides tips and suggestions to help the purchase process go more smoothly.]]></content:encoded>
      <dc:date>2009-09-16T15:52:51Z</dc:date>
    </item>

    <item>
      <title>Managing Your Money &#45; Leader&#8217;s Guide (2009)</title>
      <guid>http://www.consumer-action.org/english/articles/managing_your_money_leaders_guide_2009/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/managing_your_money_leaders_guide_2009/</link>
      <description>This guide can help you become a money management mentor. Once you understand the basics of money management, you&#39;ll be able to help others learn techniques that can make an important difference in their finances.</description>
      <dc:subject>Money Management, Workshops/Trainings</dc:subject>
      <content:encoded><![CDATA[This guide can help you become a money management mentor. Once you understand the basics of money management, you'll be able to help others learn techniques that can make an important difference in their finances.]]></content:encoded>
      <dc:date>2009-09-10T18:13:54Z</dc:date>
    </item>

    <item>
      <title>Rebuilding Good Credit &#45; PowerPoint Training Slides</title>
      <guid>http://www.consumer-action.org/english/articles/rebuilding_good_credit_powerpoint_training_slides/</guid>
      <link>http://www.consumer&#45;action.org/english/articles/rebuilding_good_credit_powerpoint_training_slides/</link>
      <description>The Rebuilding Good Credit Powerpoint training file is available for download in the &quot;Download File&quot; section.</description>
      <dc:subject>Credit, Workshops/Trainings</dc:subject>
      <content:encoded><![CDATA[ The Rebuilding Good Credit Powerpoint training file is available for download in the "Download File" section.]]></content:encoded>
      <dc:date>2009-09-09T19:13:33Z</dc:date>
    </item>


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