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	<title><![CDATA[allowance Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to allowance]]></description>
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		<title><![CDATA[Plight of the U.S. Refiner: Climate Bill, Stagnant Demand and Weak Margins]]></title>
		<link><![CDATA[http://industry.bnet.com/energy/10001923/plight-of-the-us-refiner-climate-bill-stagnant-demand-weak-margins/]]></link>
		<description><![CDATA[The latest doomsday report about proposed climate change legislation centers on the plight of U.S. refiners, essentially predicting the ultimate downfall of the industry as costs become too high and production shifts overseas.    U.S. refiners and their bottom linesÂ have already been punished by a recession that has...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Tue, 25 Aug 2009 15:41:06 -0700</pubDate>
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		<title><![CDATA[Money Skills for Your Kids: Ages 4 to 9]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/money-skills-for-your-kids-ages-4-to-9/320665/]]></link>
		<description><![CDATA[To help your kids grow into money-savvy adults, start early. Here's how to instill good money habits in even your youngest.                             ...]]></description>
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		<pubDate>Wed, 15 Jul 2009 00:00:00 -0700</pubDate>
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		<title><![CDATA[Money Skills for Your Kids: Ages 10 to 14]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/money-skills-for-your-kids-ages-10-to-14/320680/]]></link>
		<description><![CDATA[You can get tweens to adopt the right lifelong money habits. But first you have to get their attention.                            Games Theory  ...]]></description>
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		<pubDate>Wed, 15 Jul 2009 00:00:00 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/the+game+of+life.html"><![CDATA[The Game of Life]]></category>
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		<title><![CDATA[Financial Literacy: What Your Kids Need to Know]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/feature/financial-literacy-what-your-kids-need-to-know/320698/]]></link>
		<description><![CDATA[Don't let your children grow up to be as dumb about money as we all have been. The schools aren't teaching financial basics, so you should. And start early.Google "Teaching kids about money," and you'll get 225 million hits on everything from camps to games to gadgets, all aimed at...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 15 Jul 2009 00:00:00 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/the+great+piggy+bank+adventure.html"><![CDATA[The Great Piggy Bank Adventure]]></category>
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		<category domain="http://resources.bnet.com/topic/wealthquest+for+teens.html"><![CDATA[WealthQuest for Teens]]></category>
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		<title><![CDATA[Putting a Cost on Cap-and-Trade Legislation]]></title>
		<link><![CDATA[http://industry.bnet.com/energy/10001492/putting-a-cost-on-cap-and-trade-legislation/]]></link>
		<description><![CDATA[Determining the cost of cap-and-trade legislation on U.S. households is one of those inextricable tasks that promises to produceÂ disputed and controversial results. So there was some reason to breathe a sigh ofÂ relief -- albeit a small one -- when the non-partisan Congressional Budget Office issued its report late Friday onÂ the...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 22 Jun 2009 18:20:06 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/cost.html"><![CDATA[Cost]]></category>
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		<category domain="http://resources.bnet.com/topic/kirsten+korosec.html"><![CDATA[Kirsten Korosec]]></category>
	</item>
	<item>
		<title><![CDATA[MPs' Expenses: Execs Are Just as Bad]]></title>
		<link><![CDATA[http://blogs.bnet.co.uk/sterling-performance/2009/05/21/mps-expenses-execs-are-just-as-bad/]]></link>
		<description><![CDATA[What businessmen reading the saga of MPs' expenses would be willing to have their own spending scrutinised by shareholders or the public?    Without doubt, politicians have played the system and been on the make, but is the corporate sector so pure?    Pay, pension payments...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 21 May 2009 02:57:05 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/richard+northedge.html"><![CDATA[Richard Northedge]]></category>
	</item>
	<item>
		<title><![CDATA[A New Way to View the Allowance]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/family-finance/a-new-way-to-view-the-allowance/497/]]></link>
		<description><![CDATA[I just finished reading Joline Godfrey's book, Raising Financially Fit Kids, and am now convinced that an allowance should be a tool to teach children how to manage money and foster financially independent adults. In fact, I was so impressed with Godfrey's thoughts on this topic and others, that I...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 11 May 2009 22:01:11 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[Allowance]]></category>
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		<category domain="http://resources.bnet.com/topic/stacey+bradford.html"><![CDATA[Stacey Bradford]]></category>
	</item>
	<item>
		<title><![CDATA[Beyond Piggy Banks: A Parent's Guide]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/video/beyond-piggy-banks-a-parents-guide/283658/]]></link>
		<description><![CDATA[MoneyWatch catches up with two families to see how they handle tricky allowance questions and teach their kids about money management.]]></description>
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		<pubDate>Thu, 02 Apr 2009 13:39:56 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[Allowance]]></category>
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	<item>
		<title><![CDATA[Bank of Montreal F1Q09 (Qtr End 1/31/09) Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-275084.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Operator Instructions The first question is from Andre Hardy &#8211; RBC Capital Markets. Andre Hardy &#8211; RBC Capital Markets  The first one is probably for Tom.  When I look at your specific allowances relative to gross impaireds, they&#8217;re at about 15%, and if...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Tue, 03 Mar 2009 15:10:42 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/writeoff.html"><![CDATA[Writeoff]]></category>
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	</item>
	<item>
		<title><![CDATA[Oil Traders Seeking Tankers Bullish For Aegean Marine]]></title>
		<link><![CDATA[http://industry.bnet.com/energy/1000472/oil-traders-seeking-tankers-bullish-for-aegean-marine/]]></link>
		<description><![CDATA[  	The Company: Aegean Marine Petroleum Network, the largest double-hull bunkering delivery fleet operator in the world.  	The Filing: FORM 6-K filed with the SEC on November 12, 2008.  	The Finding: Given a ban of a significant portion of single hull bunkering tankers, Aegean Marine Petroleum Network...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 22 Jan 2009 22:41:13 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/trader.html"><![CDATA[Trader]]></category>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[Allowance]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/david+phillips.html"><![CDATA[David Phillips]]></category>
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	</item>
	<item>
		<title><![CDATA[Banking on Carbon Assets]]></title>
		<link><![CDATA[http://www.bnet.com/2403-13241_23-261815.html]]></link>
		<description><![CDATA[A new regulatory environment for greenhouse gas emissions could hold good news for banks.      For the foreseeable future, the global financial-services sector will be wrestling with the grim realities of credit losses, deleveraging, and challenges to traditional business models. With dramatic industry restructuring already underway...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Mon, 12 Jan 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
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		<title><![CDATA[H&R Block Still Haunted By Subprime Mortgages]]></title>
		<link><![CDATA[http://industry.bnet.com/financial-services/1000231/hr-block-still-haunted-by-subprime-mortgages/]]></link>
		<description><![CDATA[Despite shedding its money-losing mortgage operations to focus on its tax business, H&R Block is still haunted by collapsing real-estate prices. As of the second-quarter ended October 30, the largest provider of U.S. tax preparation services held approximately $812 million in residential loans purchased from former mortgage loan affiliates, Option...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 10 Dec 2008 16:14:42 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/h%2526r+block+inc..html"><![CDATA[H&R Block Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/loan.html"><![CDATA[Loan]]></category>
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		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
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		<category domain="http://resources.bnet.com/topic/david+phillips.html"><![CDATA[David Phillips]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">HRB</category>
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		<title><![CDATA[SubPrime Loans Still Weigh on H&R Block]]></title>
		<link><![CDATA[http://blogs.bnet.com/secdocuments/?p=185]]></link>
		<description><![CDATA[Despite shedding its money-losing mortgage operations to focus on its tax business, H&R Block is still haunted by collapsing real-estate prices. As of the second-quarter ended October 30, the largest provider of U.S. tax preparation services held approximately $812 million in residential loans purchased from former mortgage loan affiliates, Option...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 10 Dec 2008 08:12:11 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/h%2526r+block+inc..html"><![CDATA[H&R Block Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[Allowance]]></category>
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		<category domain="http://resources.bnet.com/topic/david+phillips.html"><![CDATA[David Phillips]]></category>
		<category domain="http://resources.bnet.com/topic/david+phillips.html"><![CDATA[David Phillips]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">HRB</category>
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	<item>
		<title><![CDATA[Beazer Homes USA, Inc. F4Q08 (Quarter End 9/30/08) Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-253562.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Operator Instructions Our first question comes from David Goldberg &#8211; UBS. David Goldberg - UBS First question, and I know it&#8217;s still not a lot of visibility in to next year but I&#8217;m just trying to get an idea given where the backlog is now...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Tue, 02 Dec 2008 14:39:09 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
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		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
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		<category domain="http://resources.bnet.com/topic/ubs+ag.html"><![CDATA[UBS AG]]></category>
		<category domain="http://resources.bnet.com/topic/beazer+homes+usa+inc..html"><![CDATA[Beazer Homes USA Inc.]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">BZH</category>
		<category domain="http://rss.financialcontent.com/stocksymbol">UBS</category>
		<category domain="tickers">BZH,UBS</category>
	</item>
	<item>
		<title><![CDATA[Five Star Quality Care, Inc. Q3 2008 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14046_23-246755.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Operator Instructions. Your first question comes from Derrick Dagnan &#8211; Avondale Partners.  Derrick Dagnan &#8211; Avondale Partners, LLC   Good afternoon. I wonder if your balance is like contractual allowance if you do not mind on the pharmacy business, just go and back...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Wed, 05 Nov 2008 21:08:09 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/indiana.html"><![CDATA[Indiana]]></category>
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		<category domain="http://resources.bnet.com/topic/five+star+quality+care+inc..html"><![CDATA[Five Star Quality Care Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/mergers+%2526+acquisitions.html"><![CDATA[Mergers & Acquisitions]]></category>
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		<category domain="http://resources.bnet.com/topic/indiana.html"><![CDATA[Indiana]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
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		<category domain="http://resources.bnet.com/topic/five+star+quality+care+inc..html"><![CDATA[Five Star Quality Care Inc.]]></category>
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		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">FVE</category>
		<category domain="tickers">FVE</category>
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		<title><![CDATA[Key Fondaparinux Patent Allowed by U.S. Patent Office]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2008_Oct_21/ai_n30915394]]></link>
		<description><![CDATA[BRISBANE, Australia -- Australian drug developer Alchemia Limited (ASX:ACL) today announced it had received a 'notice of allowance' for the United States patent application titled Synthetic Heparin Pentasaccharides (number 10/488,677). A notice of allowance is a notification to the patent applicant that they are entitled to a patent under the...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 21 Oct 2008 23:59:59 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[allowance]]></category>
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		<category domain="http://resources.bnet.com/topic/u.s.+patent+and+trademark+office.html"><![CDATA[U.S. Patent and Trademark Office]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[i2Telecom Receives Notice of Allowance from U.S. Patent and Trademark Office for "Dynamic Transmission of Packets Over Broadband" Patent]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2008_Oct_14/ai_n30891523]]></link>
		<description><![CDATA[Patent Covers Technology Utilized by OEMs and Communication Services Providers; Company Believes Patent Substantially Exceeds Value of VoiceStick([R]) Patent Previously Sold for $6.5 Million  ATLANTA -- i2Telecom International, Inc. ("i2Telecom([R])") (OTCBB: ITUI), a leading developer of award-winning patented and innovative high-quality mobile applications products and services, today announced that...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 14 Oct 2008 23:59:59 -0700</pubDate>
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	<item>
		<title><![CDATA[NRA eyes new tax benefits, credit from $700b bailout]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m3190/is_40_42/ai_n30930993]]></link>
		<description><![CDATA[WASHINGTON -- Citing new restaurant tax allowances and credit opportunities expected from the $700 billion bailout of troubled financial institutions, the National Restaurant Association has praised the House of Representatives for its "courageous and difficult vote" Oct. 2 to approve the measure.  After the House reversed its prior no...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 13 Oct 2008 23:59:59 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[allowance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[FINANCE]]></category>
		<category domain="http://resources.bnet.com/topic/national+restaurant+association.html"><![CDATA[National Restaurant Association]]></category>
		<category domain="http://resources.bnet.com/topic/taxes.html"><![CDATA[Taxes]]></category>
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	</item>
	<item>
		<title><![CDATA[Short-Term Greed vs. Green Investment: Who's Winning?]]></title>
		<link><![CDATA[http://blogs.bnet.co.uk/sterling-performance/2008/10/02/short-term-greed-vs-green-investment-whos-winning/]]></link>
		<description><![CDATA[    The financial crisis demonstrates the perils of putting short-term gain before longer term sustainable business practice, says Ceres's Mindy Lubber. It also shows how easy it is to ignore a fundamental problem.    Just as financial services ignored the sub-prime elephant in the room,...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 02 Oct 2008 12:24:47 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[Allowance]]></category>
		<category domain="http://resources.bnet.com/topic/carbon.html"><![CDATA[Carbon]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/joanna+higgins.html"><![CDATA[Joanna Higgins]]></category>
		<category domain="http://resources.bnet.com/topic/management.html"><![CDATA[Management]]></category>
		<category domain="http://resources.bnet.com/topic/strategy.html"><![CDATA[Strategy]]></category>
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	<item>
		<title><![CDATA[Penn Traffic Settles with SEC]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2008_Sept_30/ai_n29468198]]></link>
		<description><![CDATA[SYRACUSE, N.Y. -- The Penn Traffic Company ("Pink Sheets": PTFC) announced today that it has reached a settlement with the Securities and Exchange Commission, bringing to a conclusion the SEC's investigation into the company's accounting practices and policies prior to the company's emergence from bankruptcy in April 2005. The investigation...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 30 Sep 2008 23:59:59 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/allowance.html"><![CDATA[allowance]]></category>
		<category domain="http://resources.bnet.com/topic/litigation.html"><![CDATA[Litigation]]></category>
		<category domain="http://resources.bnet.com/topic/penn.html"><![CDATA[Penn]]></category>
		<category domain="http://resources.bnet.com/topic/sec.html"><![CDATA[SEC]]></category>
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