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<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd"><url><loc>https://hiepsfinance.com/2018/01/01/a-brief-history-of-retirement-saving-plans/</loc><lastmod>2018-01-11T01:49:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2015/02/07/investing-the-mindset/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/despicable_me_2_minions-wide.jpg</image:loc><image:title>despicable_me_2_minions-wide</image:title><image:caption>You can be happy while saving and investing for the future. </image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/investing.jpg</image:loc><image:title>Investing</image:title><image:caption>Investing is how you make your money grow</image:caption></image:image><lastmod>2015-02-08T03:17:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2015/02/07/what-is-a-visa-signature-credit-card/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/visa-signature-benefits-3.png</image:loc><image:title>Visa Signature benefits 3</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/visa-signature-benefits-2.png</image:loc><image:title>Visa Signature benefits 2</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/visa-signature-benefits.png</image:loc><image:title>Visa Signature benefits</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/bac_nonrwds_visa_card.png</image:loc><image:title>bac_nonrwds_visa_card</image:title><image:caption>This is Visa Platinum credit card</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/bank-of-america-cash-rewards-visa-signature.jpg</image:loc><image:title>bank-of-america-cash-rewards-visa-signature</image:title><image:caption>This is a Visa Signature credit card</image:caption></image:image><lastmod>2015-02-08T02:06:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/credit-builders/</loc><lastmod>2015-02-08T01:11:34+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/credit-builders/10-reasons-you-should-use-your-credit-card/</loc><lastmod>2015-02-08T01:05:25+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/2015/01/31/emergency-fund-the-pillar-of-your-personal-finance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/01/rainy-day.jpg</image:loc><image:title>rainy day</image:title><image:caption>Also known as a rainy day fund. </image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/01/emergency.jpg</image:loc><image:title>emergency</image:title><image:caption>Emergency fund is for emergency situations.</image:caption></image:image><lastmod>2015-02-08T00:43:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2015/02/01/the-purpose-of-a-savings-account/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/piggy-bank.jpg</image:loc><image:title>piggy bank</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/savings.jpg</image:loc><image:title>savings</image:title></image:image><lastmod>2015-02-01T19:57:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2015/02/01/the-purpose-of-a-checking-account/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2015/02/cash.png</image:loc><image:title>Cash</image:title><image:caption>Checking account is basically your cash.</image:caption></image:image><lastmod>2018-10-24T15:21:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/17/how-to-save-your-credit-in-bankruptcy/</loc><lastmod>2014-11-17T06:28:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/16/richards-quest-for-800-fico-credit-score/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/800-fico-score.jpg</image:loc><image:title>800 FICO score</image:title><image:caption>800 is a beautiful number</image:caption></image:image><lastmod>2014-11-16T08:02:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/15/todays-feature-discover-it-credit-card-review/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/fico-score-from-discover.png</image:loc><image:title>FICO score from Discover</image:title><image:caption>Free monthly FICO 08 score</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-cashback-partner-gift-cards1.png</image:loc><image:title>Discover cashback partner gift cards</image:title><image:caption>Sample of partner gift cards</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-spend-analyzer.png</image:loc><image:caption>Discover Spend Analyzer</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-designs.png</image:loc><image:title>Discover designs</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-cashback-partner-gift-cards.png</image:loc><image:title>Discover cashback partner gift cards</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-deals.png</image:loc><image:caption>Discover Deals</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/discover-it-web-page-header.jpg</image:loc><image:title>discover-it-web-page-header</image:title></image:image><lastmod>2014-11-16T07:19:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/15/why-paying-off-your-loan-is-bad-for-your-credit/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/thinking-man-rodin.jpg</image:loc><image:title>Thinking-Man-Rodin</image:title><image:caption>How does this make sense? </image:caption></image:image><lastmod>2014-11-18T16:32:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/15/how-i-achieved-760-fico-credit-score-in-just-over-2-years/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/big-kaching.jpg</image:loc><image:title>Big-kaching</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/fico-score-759.png</image:loc><image:title>FICO score 759</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/fico-score-767.png</image:loc><image:title>FICO score 767</image:title></image:image><lastmod>2015-09-26T17:41:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/05/step-by-step-guide-to-build-credit-in-one-year/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/chase-credit-card-automatic-payment.png</image:loc><image:title>Chase credit card automatic payment</image:title><image:caption>Set up automatic payment for your credit card</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/bofa-bill-pay.png</image:loc><image:title>BofA bill pay</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/amex-card-payment.png</image:loc><image:title>Amex card payment</image:title><image:caption>Pay your card from the card's online account</image:caption></image:image><lastmod>2014-11-13T15:16:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/about/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/10/skydiving-in-colorado.jpg</image:loc><image:title>Skydiving in Colorado</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/10/262282_10150223186383048_1259004_n-e1361256909699.jpg</image:loc><image:title>262282_10150223186383048_1259004_n</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/10/263093_10150672054260078_2023501_n.jpg</image:loc><image:title>263093_10150672054260078_2023501_n</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/10/303660_674133598788_1820313486_n.jpg</image:loc><image:title>303660_674133598788_1820313486_n</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/10/252405_10150214633778048_3011598_n.jpg</image:loc><image:title>252405_10150214633778048_3011598_n</image:title></image:image><lastmod>2014-11-05T05:40:06+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/2014/11/04/how-do-i-improve-my-fico-credit-score-in-a-month/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/chase-small-balance.png</image:loc><image:title>Chase small balance</image:title><image:caption>This would be a good balance to be reported</image:caption></image:image><lastmod>2014-11-16T01:37:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/04/why-are-fico-credit-scores-important/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/787b6-6a00d8341cce2453ef013485b4fc0d970c-pi.jpg</image:loc><image:title>787b6-6a00d8341cce2453ef013485b4fc0d970c-pi</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/fico_lg_color.jpg</image:loc><image:title>FICO_LG_COLOR</image:title><image:caption>FICO scores are the credit scores that matter the most</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/ce_scorebreakdown.png</image:loc><image:title>ce_scorebreakdown</image:title></image:image><lastmod>2014-11-05T03:52:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/09/13/10-reasons-to-use-your-credit-card-part-1-security/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/09/bank-vs-credit-card.png</image:loc><image:title>bank vs credit card</image:title><image:caption>Money does not go directly from a bank to a credit card; it goes through you first.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/09/bank-vs-debit-card.png</image:loc><image:title>bank vs debit card</image:title><image:caption>Money goes directly from your bank to your debit card, instantly.</image:caption></image:image><lastmod>2014-11-03T04:02:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/09/14/10-reasons-to-use-your-credit-card-part-2-extended-warranty/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/09/dead-iphone.jpg</image:loc><image:title>dead iphone</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/09/free.jpg</image:loc><image:title>Free</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/09/extended-warranties-lead-are-they-worth-it-ss-173912444.jpg</image:loc><image:title>extended-warranties-lead-are-they-worth-it-ss-173912444</image:title></image:image><lastmod>2014-11-03T04:02:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/01/10-reasons-to-use-your-credit-card-part-3-purchase-dispute/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/37daf-brokencomputer.gif</image:loc><image:title>37daf-brokencomputer</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/us-bank-dispute-2.jpg</image:loc><image:title>US Bank dispute 2</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/us-bank-dispute-1.jpg</image:loc><image:title>US Bank dispute 1</image:title></image:image><lastmod>2014-11-03T04:01:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/01/10-reasons-to-use-your-credit-card-part-4-return-protection/</loc><lastmod>2014-11-03T04:01:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-a-credit-card-part-5-purchase-protection/</loc><lastmod>2014-11-03T04:01:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-a-credit-card-part-6-price-protection/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/lowpricearrow.jpg</image:loc><image:title>lowpricearrow</image:title><image:caption>Lower price on something you've already purchased. What to do?</image:caption></image:image><lastmod>2014-11-03T04:01:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-a-credit-card-part-7-rental-car-insurance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/car-accident.jpg</image:loc><image:title>car accident</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/rental-cars.jpg</image:loc><image:title>Rental-cars</image:title></image:image><lastmod>2014-11-03T04:00:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-a-credit-card-part-8-baggage-delay-reimbursement-and-baggage-damageloss-insurance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/damaged-luggage.jpg</image:loc><image:title>damaged luggage</image:title><image:caption>Hopefully this never happens to your bag. But if it does, there is a way to get paid for it.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/luggagecarousel3.jpg</image:loc><image:title>luggagecarousel3</image:title></image:image><lastmod>2014-11-03T04:00:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-your-credit-card-part-9-trip-interruptioncancellation-insurance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/chase-logo-201409031659243102000.png</image:loc><image:title>Chase Logo-201409031659243102000</image:title><image:caption>Chase. Is. Amazing.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/steve-sick.jpg</image:loc><image:title>STEVE-sick</image:title><image:caption>It sucks to be sick and miss the trip, but at least you'll get your money back.</image:caption></image:image><lastmod>2014-11-03T03:59:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/11/02/10-reasons-to-use-your-credit-card-part-10-travel-accident-insurance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/11/terrorists.jpg</image:loc><image:title>terrorists</image:title><image:caption>Even terrorist attacks are covered by some credit cards.</image:caption></image:image><lastmod>2014-11-03T03:52:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/10/what-are-the-tax-advantages-of-a-retirement-savings-account-traditionalroth-401kira/</loc><lastmod>2016-07-23T11:10:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/10/what-is-an-ira-and-why-you-should-contribute-to-it/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/rollover-ira.jpg</image:loc><image:title>rollover-IRA</image:title><image:caption>Rollover is always an option.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/finger_pointing.jpg</image:loc><image:title>Finger_pointing</image:title><image:caption>It's all your money, guys.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/velocity-dance-center.jpg</image:loc><image:title>Velocity Dance Center</image:title><image:caption>Velocity Dance Center, everybody!</image:caption></image:image><lastmod>2014-05-10T16:39:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/08/what-is-a-401k-and-why-you-should-contribute-to-it/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/gravel-1.jpg</image:loc><image:title>gravel-1</image:title><image:caption>It takes many small gravels to make a beach</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/numberjumble.jpeg</image:loc><image:title>numberjumble</image:title><image:caption>Woah! More numbers!!!</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/money-hidden-old-book-9617670.jpg</image:loc><image:title>money-hidden-old-book-9617670</image:title><image:caption>Where is the money??</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/diversity1.jpg</image:loc><image:title>diversity1</image:title><image:caption>Yes, we LOVE diversity.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/love-my-job.jpg</image:loc><image:title>love-my-job</image:title><image:caption>You don't have to, but that's how you get a 401(k)</image:caption></image:image><lastmod>2014-05-09T04:21:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/08/introduction-to-retirement-savings-accounts-traditionalroth-401kira-what-are-they/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2014/05/ira-roth-401k.jpg</image:loc><image:title>ira-roth-401k</image:title></image:image><lastmod>2014-05-08T18:55:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/07/the-basics-of-retirement-savings-why-saving-may-not-be-enough/</loc><lastmod>2014-05-08T04:11:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2014/05/07/the-basics-of-retirement-savings-why-you-need-to-start-now/</loc><lastmod>2014-05-08T04:07:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/12/06/hieps-finance-s-final-formula-for-aamrq-lcc-conversion/</loc><lastmod>2014-02-07T05:59:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/12/10/aamrq-aal-final-conversion-formula-and-equity-distribution-plan-explained/</loc><lastmod>2015-05-02T03:36:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/11/23/todays-feature-myfico-score-watch-product-review/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/11/myfico-equifax-interest-rates1.png</image:loc><image:title>MyFICO Equifax interest rates</image:title></image:image><lastmod>2014-03-06T07:41:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/05/22/todays-feature-bank-of-america-bankamericard-secured-credit-card-review/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/graduation1.jpg</image:loc><image:title>Graduation</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/bac_nonrwds_visa_card.png</image:loc><image:title>bac_nonrwds_visa_card</image:title><image:caption>Without the reward package your card may look like this</image:caption></image:image><lastmod>2014-09-15T06:21:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/05/14/the-impact-of-the-american-airlines-us-airways-merger-on-american-airlines-stock-a-curious-case-of-stock-piggy-backing/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/wrong.jpg</image:loc><image:title>wrong</image:title><image:caption>Wrong information is wrong.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/us-airways-logo.jpg</image:loc><image:title>US-Airways-Logo</image:title><image:caption>Thanks for the deal, US Airways.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/amairlines-6.jpg</image:loc><image:title>AA logo</image:title><image:caption>American Airlines stock files even higher.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/aamrq-stock.png</image:loc><image:title>AAMRQ stock</image:title></image:image><lastmod>2013-12-10T16:11:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/08/15/10-reasons-to-use-a-credit-card/</loc><lastmod>2013-10-27T18:11:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/08/13/amex-tripled-my-credit-limit/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/08/amex-delta-gold.jpg</image:loc><image:title>Amex Delta Gold</image:title><image:caption>My first Amex card is a Delta Gold, with a $1k starting limit</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/amex-approval1.png</image:loc><image:title>Amex approval</image:title><image:caption>I was really happy to see this 9 months ago.</image:caption></image:image><lastmod>2016-09-30T17:41:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/18/i-got-amex/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/american-express-premier-rewards-gold-card.jpg</image:loc><image:title>American Express Gold Card</image:title><image:caption>This is what I'm talking about</image:caption></image:image><lastmod>2014-11-25T16:24:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/08/10/credit-card-vs-debit-card/</loc><lastmod>2013-11-25T04:49:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/06/a-credit-card-what-is-it/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/credit-card-shredder.jpg</image:loc><image:title>credit card shredder</image:title><image:caption>Even when you shred the plastic card, your credit card account is still functional. </image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/bofavisa1.png</image:loc><image:title>Bank of America's Cash Rewards</image:title><image:caption>BofA BankAmericard Cash Rewards card</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/bofavisa.png</image:loc><image:title>Bank of America's credit card</image:title><image:caption>Real credit card. Nowhere does it say "Debit".</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/debitcard.jpg</image:loc><image:title>DebitCard</image:title><image:caption>Not a credit card at all. Notice the word "Debit"</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2012/11/cc.jpg</image:loc><image:title>Capital One credit card account</image:title><image:caption>This is a credit card. You don't need the plastic for it.</image:caption></image:image><lastmod>2013-08-10T23:16:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/08/05/what-sets-american-express-apart-from-other-lenders/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/08/blue-cash-everyday-credit-card_bgcard.png</image:loc><image:title>blue-cash-everyday-credit-card_bgCard</image:title><image:caption>Though American Express has revolving cards such as the Blue Cash Everyday, they don't like customers to carry balances.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/08/american-express-centurion-black-card.jpg</image:loc><image:title>american-express-centurion-black-card</image:title><image:caption>The famous Centurion "Black" card comes with a $2,500 annual fee</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/08/platinum-charge-card_bgcard.png</image:loc><image:title>platinum-charge-card_bgCard</image:title><image:caption>The Platinum, a signature Amex charge card</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/08/american-express.jpg</image:loc><image:title>american-express</image:title><image:caption>Amex logo. Plain and simple.</image:caption></image:image><lastmod>2013-11-15T05:28:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/07/27/sometimes-you-just-have-to-spend-the-money/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/07/palm-tree-in-the-wind.jpg</image:loc><image:title>Palm tree in the wind</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/07/bridge_2013_096.jpg</image:loc><image:title>Velocity Dance Center - Seattle</image:title><image:caption>What beauty</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/07/spend-money-scrabble.jpg</image:loc><image:title>spend-money-scrabble</image:title></image:image><lastmod>2013-12-30T12:10:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/credit-builders/applying-for-credit-cards/</loc><lastmod>2013-07-21T17:21:36+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/2013/07/20/follow-up-on-aamrq-stock-price-analysis/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/07/untitled.png</image:loc><image:title>AAMRQ stock price</image:title><image:caption>As of 07/19/2013</image:caption></image:image><lastmod>2013-12-19T04:56:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/14/bank-of-america-just-reduced-my-cards-apr/</loc><lastmod>2013-06-15T04:48:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/11/nokia-and-the-turnaround-story-named-lumia/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/walmart-lumia-521.jpg</image:loc><image:title>Walmart Lumia 521</image:title><image:caption>This screenshot was taken a minute ago.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/nokia-logo.jpg</image:loc><image:title>nokia-logo</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/nokia_lumia_520.jpg</image:loc><image:title>nokia_lumia_520</image:title><image:caption>Widely considered the best budget-friendly smartphon</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/lum920.png</image:loc><image:title>lum920</image:title><image:caption>The incredible Lumia 920</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/worldwide-smarphone-sales-q1-2012.jpg</image:loc><image:title>Worldwide smarphone sales Q1 2012</image:title><image:caption>Trick question. Nokia is not in that table. Here it is.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/worldwide-smarphone-sales-q1-2013.jpg</image:loc><image:title>Worldwide smarphone sales Q1 2013</image:title><image:caption>Where is Nokia in this table?</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/kodak-bankrupt_616.jpeg</image:loc><image:title>kodak-bankrupt_616</image:title><image:caption>Not another Kodak</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/nokia-1110i-a37-800.jpg</image:loc><image:title>nokia-1110i-a37-800</image:title><image:caption>The legendary Nokia 1110/1110i, the highest sold mobile device of all time</image:caption></image:image><lastmod>2013-06-11T05:11:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/08/the-ideal-number-of-credit-cards-whywhen-more-is-better/</loc><lastmod>2013-11-27T00:34:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/22/anatomy-of-a-credit-card-bank-of-america-cash-rewards/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/wholefoodsmarketext_big.jpg</image:loc><image:title>WholeFoodsMarketExt_big</image:title></image:image><lastmod>2014-10-09T03:23:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/10/699/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/travel_rewards_chip.png</image:loc><image:title>travel_rewards_chip</image:title><image:caption>I carried this card with me on my last international trip</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards-redemption3.png</image:loc><image:title>BofA Travel Rewards redemption</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards-redemption2.png</image:loc><image:title>BofA Travel Rewards redemption</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards-redemption1.png</image:loc><image:title>BofA Travel Rewards redemption</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards-redemption.png</image:loc><image:title>Redeem points for travel credit</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards1.png</image:loc><image:title>BofA Travel Rewards</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-travel-rewards.png</image:loc><image:title>BofA Travel Rewards</image:title></image:image><lastmod>2016-04-25T15:50:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/05/investment-basics-what-is-a-stock/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/question-mark.png</image:loc><image:title>question-mark</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/your-head-will-explode.jpg</image:loc><image:title>your head will explode</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/inventory1.jpg</image:loc><image:title>inventory1</image:title><image:caption>Think of stock as an inventory, and a share as a unit.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/fe_da_toiletpaper_itemsbuybulkslideshow.jpg</image:loc><image:title>FE_DA_ToiletPaper_ItemsBuyBulkSlideshow</image:title><image:caption>Toilet paper stock</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/toilet-paper-no.jpg</image:loc><image:title>toilet-paper-no</image:title></image:image><lastmod>2013-06-06T06:23:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/02/the-must-know-graph-for-credit-scores/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/ce_scorebreakdown.png</image:loc><image:title>ce_scorebreakdown</image:title></image:image><lastmod>2013-06-04T06:02:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/06/02/why-is-your-credit-card-bill-so-huge-how-credit-card-interest-is-calculated-and-what-grace-period-means/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/cc-interest-graph-2.png</image:loc><image:title>CC interest graph 2</image:title><image:caption>The $0 at day 60 assumes you don't charge your credit card during the 2nd billing cycle.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/cc-interest-graph-1.png</image:loc><image:title>CC interest graph 1</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/06/sample-credit-card-statement.png</image:loc><image:title>Sample credit card statement</image:title><image:caption>Provided at www.federalreserve.gov/creditcard/flash/readingyourbill.pdf‎</image:caption></image:image><lastmod>2013-06-02T15:41:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/05/27/todays-feature-get-a-financial-life-personal-finance-in-your-twenties-and-thirties-book-review/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/military-benefits.jpg</image:loc><image:title>Military Benefits</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/military-benefits.gif</image:loc><image:title>Military Benefits</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/make-a-wish-logo.jpg</image:loc><image:title>make-a-wish-logo</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/05/get-a-financial-life.jpg</image:loc><image:title>Get a Financial Life</image:title></image:image><lastmod>2013-05-28T16:10:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/03/credit-cards-for-credit-builders-what-are-your-options-part-3/</loc><lastmod>2014-03-06T07:54:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/26/does-checking-your-own-credit-report-affect-your-credit/</loc><lastmod>2013-06-30T05:41:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/04/20/career-is-the-most-critical-aspect-of-personal-finance/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/04/10-key-steps-to-a-successful-job-search1.jpg</image:loc><image:title>10-Key-Steps-to-a-Successful-Job-Search1</image:title></image:image><lastmod>2013-04-28T18:59:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/23/anatomy-of-a-credit-card-bank-of-americas-bankamericard-better-balance-rewards-credit-card-review/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/better_balance_rewards_card.png</image:loc><image:title>better_balance_rewards_card</image:title><image:caption>Odd-category rewards credit card</image:caption></image:image><lastmod>2013-10-08T20:25:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/04/08/can-international-f-1-students-non-resident-aliens-h-1b-visa-holders-apply-for-credit-cards/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/04/aliens_for_peace.png</image:loc><image:title>aliens_for_peace</image:title><image:caption>Yay! I'm an alien!!!</image:caption></image:image><lastmod>2016-07-23T11:17:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/30/how-to-access-your-annual-free-credit-report-step-by-step-instructions/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/sample-experian-report-print.png</image:loc><image:title>Sample Experian report print</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/experian-credit-report-return.png</image:loc><image:title>Experian credit report return</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/sample-experian-report1.png</image:loc><image:title>Sample Experian report</image:title><image:caption>Pay attention to the arrows!</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/sample-experian-report.png</image:loc><image:title>Sample Experian report</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/annual-credit-report-site-transfer.png</image:loc><image:title>annual credit report site transfer</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/annual-credit-report-cra-selection.png</image:loc><image:title>annual credit report CRA selection</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/annual-credit-report-form.png</image:loc><image:title>annual credit report form</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/annual-credit-report-main-page.png</image:loc><image:title>annual credit report main page</image:title><image:caption>Pick your state, then hit "Request Report"</image:caption></image:image><lastmod>2014-10-05T21:21:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/27/do-you-need-to-carry-a-balance-to-build-credit/</loc><lastmod>2013-04-10T16:38:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/11/reblog-and-analysis-five-surprising-things-that-may-impact-your-score-from-transunion/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/parking-ticket.jpg</image:loc><image:title>parking-ticket</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/collection-accounts-on-experian-report.png</image:loc><image:title>Collection accounts on Experian report</image:title></image:image><lastmod>2013-10-01T23:40:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/14/what-happens-to-your-credit-when-you-get-married/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/saving-your-marriage-small.jpg</image:loc><image:title>Saving-Your-Marriage-Small</image:title></image:image><lastmod>2013-03-15T01:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/16/credit-card-rewards-when-miles-points-and-cashback-are-not-created-equal/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/credit-cards.jpg</image:loc><image:title>Credit cards</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/cc-rewards-categories-1.png</image:loc><image:title>CC rewards categories 1</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/cc-rewards-categories.png</image:loc><image:title>CC rewards categories</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/milevalue-leaderboard.png</image:loc><image:title>MileValue Leaderboard</image:title></image:image><lastmod>2013-09-28T04:20:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/03/03/bank-of-americas-credit-cards-an-insiders-view/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-no-payment-limit.png</image:loc><image:title>BofA no payment limit</image:title><image:caption>You can maintain a negative balance on a Bank of America's credit card</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-payment-due-date.png</image:loc><image:title>BofA payment due date</image:title><image:caption>My Cash Rewards card actually gives me 26 days interest-free following each statement cycle</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-add-it-up-2.png</image:loc><image:title>BofA Add-It-Up 2</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-add-it-up-1.png</image:loc><image:title>BofA Add-It-Up 1</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bankamerideals.png</image:loc><image:title>BankAmeriDeals</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-myoffers-center.png</image:loc><image:title>BofA MyOffers Center</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-museums-on-us.png</image:loc><image:title>BofA Museums on Us</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-interface-right-hand-side.png</image:loc><image:title>BofA interface right hand side</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-rewards-info.png</image:loc><image:title>BofA Rewards info</image:title><image:caption>Redeem in multiples of $25 for fastest redemption</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/03/bofa-rewards-transactions.png</image:loc><image:title>BofA Rewards transactions</image:title></image:image><lastmod>2013-03-05T05:37:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/24/why-credit-cards-are-the-best-method-of-payment-and-debit-cards-are-the-second-best/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/credit_card_logo4.jpg</image:loc><image:title>Credit_Card_Logo4</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/images.jpg</image:loc><image:title>Vietnamese paper bill</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/nus000000072_160x101_straight.gif</image:loc><image:title>NUS000000072_160X101_STRAIGHT</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/stack-of-money.jpg</image:loc><image:title>stack-of-money</image:title></image:image><lastmod>2013-02-25T00:55:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/credit-builders/credit-report-and-credit-score/</loc><lastmod>2013-02-23T05:46:15+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/credit-builders/basics-of-credit-cards/</loc><lastmod>2013-02-23T05:43:43+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://hiepsfinance.com/2013/02/21/flight-booking-rule-of-21-and-rule-of-34/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/600px-us_34-svg.png</image:loc><image:title>600px-US_34.svg</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/21.png</image:loc><image:title>21</image:title></image:image><lastmod>2013-09-22T01:55:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/08/the-credit-card-apr-why-this-number-is-misleading/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/mp900439432.jpeg</image:loc><image:caption>Math time again</image:caption></image:image><lastmod>2013-09-22T02:00:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/09/chase-finally/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/top-issuers-in-purchase-volume.png</image:loc><image:title>Top issuers in purchase volume</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/market-share-by-credit-card-issuer.png</image:loc><image:title>Market Share by Credit Card Issuer</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/114207173_44c4fea5ed.jpg</image:loc><image:title>114207173_44c4fea5ed</image:title></image:image><lastmod>2013-06-23T01:10:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/17/closing-a-credit-card-lets-get-the-facts-straight/</loc><lastmod>2015-02-11T22:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/14/the-power-of-compound-interest-why-you-should-start-investing-today/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/10k-increased-3-per-year2.png</image:loc><image:title>10k increased 3% per year</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/10k-increased-3-per-year1.png</image:loc><image:title>10k increased 3% per year</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/10k-increased-3-per-year.png</image:loc><image:title>10k increased 3% per year</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/10k-one-time.png</image:loc><image:title>10k one time</image:title><image:caption>This is the future value of 10k invested now. 100 dollars invested today can turn into 1,500 dollars in 40 years.</image:caption></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/02/10k-per-year.png</image:loc><image:title>10k per year</image:title></image:image><lastmod>2013-07-09T00:01:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/04/credit-cards-for-credit-builders-what-are-your-options-part-4/</loc><lastmod>2014-06-25T14:24:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/02/credit-cards-for-credit-builders-what-are-your-options-part-2/</loc><lastmod>2013-09-22T02:02:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/02/02/credit-cards-for-credit-builders-what-are-your-options-part-1/</loc><lastmod>2014-11-03T04:37:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/01/30/bank-of-america-is-awesome/</loc><lastmod>2013-01-31T07:42:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/01/26/visa-mastercard-discover-american-express-what-are-they-really/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/cc-processing1.png</image:loc><image:title>cc processing</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/cc-processing.png</image:loc><image:title>cc processing</image:title></image:image><lastmod>2013-10-17T20:43:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/01/18/why-bonds-may-not-be-safe/</loc><lastmod>2013-01-26T07:36:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/01/01/secured-credit-card-graduation/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/exp-jan-1.png</image:loc><image:title>EXP Jan 1</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/exp-dec-12.png</image:loc><image:title>EXP Dec 12</image:title></image:image><lastmod>2013-01-26T07:28:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2013/01/24/att-family-plan-an-economical-choice/</loc><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/cell-phone-calc.png</image:loc><image:title>cell phone calc</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/att-family-plans.png</image:loc><image:title>ATT family plans</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/att-texting-plans1.png</image:loc><image:title>ATT texting plans</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/att-texting-plans.png</image:loc><image:title>ATT texting plans</image:title></image:image><image:image><image:loc>https://hiepsfinance.com/wp-content/uploads/2013/01/att-individual-plans.png</image:loc><image:title>ATT individual plans</image:title></image:image><lastmod>2013-12-09T15:10:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/12/21/discover-more/</loc><lastmod>2012-12-22T08:25:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/12/16/personal-finance-201-introduction-to-credit-scores/</loc><lastmod>2012-12-16T23:52:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/12/02/the-story-from-the-credit-report/</loc><lastmod>2012-12-03T06:37:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/26/whats-on-a-credit-report/</loc><lastmod>2013-10-01T23:38:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/05/personal-finance-101-introduction-to-credit-cards/</loc><lastmod>2014-03-06T07:43:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/06/how-to-apply-for-a-credit-card/</loc><lastmod>2012-11-25T09:30:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/07/how-to-use-your-credit-card-to-build-an-excellent-credit-history/</loc><lastmod>2014-03-06T07:44:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/15/overview-of-credit-history-and-credit-report/</loc><lastmod>2012-11-25T09:28:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/16/handling-bills/</loc><lastmod>2012-11-25T09:27:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/11/18/holiday-shopping/</loc><lastmod>2012-11-25T09:25:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com/2012/10/27/introduction/</loc><lastmod>2012-10-27T21:07:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://hiepsfinance.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2018-10-24T15:21:11+00:00</lastmod></url></urlset>
