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	<title><![CDATA[capital structures Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to capital structures]]></description>
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		<title><![CDATA[Australia's CSG to Buy Konica Minolta NZ]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-372677.html]]></link>
		<description><![CDATA[ Listed Australian IT services company CSG Ltd is to buy Konica Minolta New Zealand and its associated leasing business for $NZ132 million ($A104.6 million).CSG planned to partly fund the deal through a $A65 million share placement, The New Zealand Herald reported on Friday.CSG is taking a 90 per cent...]]></description>
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		<pubDate>Fri, 11 Dec 2009 08:52:00 -0800</pubDate>
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		<category domain="http://resources.bnet.com/topic/konica+minolta+corp..html"><![CDATA[Konica Minolta Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
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		<title><![CDATA[C&W names Worldwide CFO]]></title>
		<link><![CDATA[http://www.bnet.com/2468-13071_23-372737.html]]></link>
		<description><![CDATA[ Cable & Wireless has appointed Tim Weller as chief financial officer of its Worldwide business as it finalises the management line-up ahead of a demerger from its parent next year.Mr Weller joins the UK's second-biggest fixed-line telecoms company next May from United Utilities, where he has been chief financial...]]></description>
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		<pubDate>Thu, 10 Dec 2009 18:00:00 -0800</pubDate>
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		<title><![CDATA[Consumer Confidence Fell in Dec: Survey]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-371753.html]]></link>
		<description><![CDATA[ Consumer confidence fell for the second consecutive month in December as households with mortgages worried about the impact of higher interest rate charges on their budgets, a survey shows.The Westpac-Melbourne Institute index of consumer sentiment fell 3.8 per cent to 113.8 points in December, from 118.3 in November.Despite this...]]></description>
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		<pubDate>Wed, 09 Dec 2009 10:48:00 -0800</pubDate>
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		<title><![CDATA[How to Refinance Now and Avoid Rejection]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/how-to-refinance-now-and-avoid-rejection/370914/]]></link>
		<description><![CDATA[With interest rates absurdly low, you may be eager to refinance. But lenders are finding all kinds of ways to say no. Here are the five most common refi killers, and how to avoid becoming a victim.        But when the bank pulled their...]]></description>
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		<pubDate>Mon, 07 Dec 2009 00:00:00 -0800</pubDate>
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		<title><![CDATA[Home Owners Repaying Mortgages, Spending Less-survey]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-369681.html]]></link>
		<description><![CDATA[LONDON (<a href="http://resources.bnet.com/index.php?source=ReutersUK">Reuters UK</a>) - Britain's home owners are choosing to make bigger repayments on home loans instead of increasing spending, according to a survey of leading UK mortgage lenders published by The Independent in Thursday's edition.Nici Audhlam-Gardiner, the director of mortgages at Abbey, owned by Spanish bank Santander, was quoted...]]></description>
		<s:doctype><![CDATA[News items]]></s:doctype>
		<pubDate>Wed, 02 Dec 2009 16:45:38 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/repayment.html"><![CDATA[Repayment]]></category>
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		<title><![CDATA[Size of New Mortgages Hit a New Record]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-369377.html]]></link>
		<description><![CDATA[ The average size of new mortgage hit a record in Australia during November despite sales of overall home loans falling for the second straight month.Mortgage broker AFG said on Tuesday an average home loan brokered in Australia was $367,000 in November, a rise of 6.4 per cent since May.AFG's...]]></description>
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		<pubDate>Wed, 02 Dec 2009 14:06:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/australia.html"><![CDATA[Australia]]></category>
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		<title><![CDATA[Can Obama Fix Housing?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/video/can-obama-fix-housing/369261/]]></link>
		<description><![CDATA[The feds are increasing pressure on banks to modify the mortgages of troubled homeowners. Eric Schurenberg and Jill Schlesinger discuss the process.]]></description>
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		<pubDate>Tue, 01 Dec 2009 12:29:52 -0800</pubDate>
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	</item>
	<item>
		<title><![CDATA[Why Have Home Mortgage Modifications Been So Difficult? Ask Sheriff Green]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/blog/macro-view/why-have-home-mortgage-modifications-been-so-difficult-ask-sheriff-green/1274/]]></link>
		<description><![CDATA[This is a crucial story that I have wanted to write on for some time. The feds allocated a ton of money for reworking mortgages, to a program called Making Home Affordable, but which goes by the acronym HAMP -- $75 billion. But only a few homeowners, tens of thousandsÂ ...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Tue, 01 Dec 2009 12:15:35 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/philadelphia.html"><![CDATA[Philadelphia]]></category>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
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	</item>
	<item>
		<title><![CDATA[Mortgage Modification: What's HAMP-ering Progress?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/blog/financial-decoder/mortgage-modification-whats-hamp-ering-progress/984/]]></link>
		<description><![CDATA[Why aren't banks playing the mortgage modification game? We've been told that lenders prefer to modify and/or restructure loans, rather than enter into the costly and time consuming foreclosure process. At least that was the thought when the government rolled out the Home Affordable Modification Plan ("HAMP").   ...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Tue, 01 Dec 2009 08:35:01 -0800</pubDate>
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		<category domain="http://resources.bnet.com/topic/modification.html"><![CDATA[Modification]]></category>
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		<category domain="http://resources.bnet.com/topic/jill+schlesinger.html"><![CDATA[Jill Schlesinger]]></category>
	</item>
	<item>
		<title><![CDATA[What's Next for Real Estate?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/article/whats-next-for-real-estate/368336/]]></link>
		<description><![CDATA[There?s been plenty of encouraging news about real estate lately, but that doesn?t mean we?re out of the woods yet. In fact, many economists believe that housing prices won?t really bottom out until the second half of 2010, and then will only move sideways for a while. Here's what you...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Tue, 01 Dec 2009 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/economist.html"><![CDATA[Economist]]></category>
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	</item>
	<item>
		<title><![CDATA[Underwater? Maybe You Should Walk Away From Your Mortgage?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/home-equity/underwater-maybe-you-should-walk-away-from-your-mortgage/1323/]]></link>
		<description><![CDATA[According to the latest figures, some 23 percent of Americans are underwater with their mortgage. But should you just walk away from the mess? A law school professor says yes. by Ilyce Glink]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 30 Nov 2009 06:44:42 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/ilyce+glink.html"><![CDATA[Ilyce Glink]]></category>
	</item>
	<item>
		<title><![CDATA[Loan Modification Judge Blasts "Bad" Bank, Forgives Mortgage]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/ask-agent/loan-modification-judge-blasts-bad-bank-forgives-mortgage/1239/]]></link>
		<description><![CDATA[It's a loan modification fantasy! Suffolk County Judge gets mad at California lender OneWest the old IndyMac and grants a Long Island, New York couple complete forgiveness from their $525,000 debt. by Alison Rogers]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 25 Nov 2009 17:10:16 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[Bank]]></category>
		<category domain="http://resources.bnet.com/topic/judge.html"><![CDATA[Judge]]></category>
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		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/alison+rogers.html"><![CDATA[Alison Rogers]]></category>
	</item>
	<item>
		<title><![CDATA[Tougher Mortgage Regulation Proposed]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-368310.html]]></link>
		<description><![CDATA[By Huw JonesLONDON (<a href="http://resources.bnet.com/index.php?source=ReutersUK">Reuters UK</a>) - The governmet unveiled plans on Wednesday for tougher regulation of the huge home loans market as fallout from the credit crunch highlights concerns about lax lending standards and fraud.The government is proposing to expand the Financial Services Authority's remit to cover buy-to-let and second-charge...]]></description>
		<s:doctype><![CDATA[News items]]></s:doctype>
		<pubDate>Wed, 25 Nov 2009 10:15:26 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/regulation.html"><![CDATA[Regulation]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
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	</item>
	<item>
		<title><![CDATA[Mortgage Approvals Up 97.7 Pct Y/y in Oct.]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-367891.html]]></link>
		<description><![CDATA[LONDON (<a href="http://resources.bnet.com/index.php?source=ReutersUK">Reuters UK</a>) - The number of home purchase loans approved by banks in October was almost double that of a year ago, a survey showed on Tuesday.The British Bankers' Association said 42,238 mortgage applications were approved last month. That was slightly higher than the 42,073 loans approved in September...]]></description>
		<s:doctype><![CDATA[News items]]></s:doctype>
		<pubDate>Tue, 24 Nov 2009 01:45:50 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/survey.html"><![CDATA[Survey]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
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		<category domain="http://resources.bnet.com/topic/british+bankers.html"><![CDATA[British Bankers]]></category>
	</item>
	<item>
		<title><![CDATA[Ask the Experts: Real Estate]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/video/ask-the-experts-real-estate/367237/]]></link>
		<description><![CDATA[Is it time to buy real estate? Our editors discuss mortgages and the housing market. If you have other financial questions, e-mail asktheexperts@moneywatch.com.]]></description>
		<s:doctype><![CDATA[Videos]]></s:doctype>
		<pubDate>Fri, 20 Nov 2009 15:16:05 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/moneywatch.html"><![CDATA[MoneyWatch]]></category>
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		<category domain="http://resources.bnet.com/topic/housing.html"><![CDATA[Housing]]></category>
		<category domain="http://resources.bnet.com/topic/refinance.html"><![CDATA[Refinance]]></category>
		<category domain="http://resources.bnet.com/topic/mortgage.+bubble.html"><![CDATA[Mortgage. Bubble]]></category>
	</item>
	<item>
		<title><![CDATA[Refinancing? Here's The Mortgage Deal I Choose]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/home-equity/refinancing-heres-the-mortgage-deal-i-choose/1313/]]></link>
		<description><![CDATA[Yesterday we started shopping around for our refinance. Today we chose a lender and a got an amazing deal. Here's the scoop on what I hope will be the last mortgage of my life. by Ilyce Glink]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 20 Nov 2009 10:22:51 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
		<category domain="http://resources.bnet.com/topic/ilyce+glink.html"><![CDATA[Ilyce Glink]]></category>
	</item>
	<item>
		<title><![CDATA[Firstfolio in Talks For $6b Loan Assets]]></title>
		<link><![CDATA[http://www.bnet.com/2407-13071_23-366399.html]]></link>
		<description><![CDATA[ Mortgage and financial services group Firstfolio Ltd is in negotiations to acquire up to $6 billion in loan assets from three separate companies.Firstfolio says it has commenced due diligence to acquire finance company First Chartered Capital's FCC $3.5 billion loan book, wholesale mortgage manager Loan Services Australia's $2 billion...]]></description>
		<s:doctype><![CDATA[News items]]></s:doctype>
		<pubDate>Thu, 19 Nov 2009 13:26:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/acquisition.html"><![CDATA[Acquisition]]></category>
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		<category domain="http://resources.bnet.com/topic/mortgage+manager.html"><![CDATA[Mortgage Manager]]></category>
		<category domain="http://resources.bnet.com/topic/mergers+%2526+acquisitions.html"><![CDATA[Mergers & Acquisitions]]></category>
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	</item>
	<item>
		<title><![CDATA[More Homeowners Face Mortgage Woes]]></title>
		<link><![CDATA[http://industry.bnet.com/financial-services/10005053/more-homeowners-face-mortgage-woes/]]></link>
		<description><![CDATA[The number of U.S. homeowners in foreclosure or delinquent on their mortgages continues to soar by Alain Sherter]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Thu, 19 Nov 2009 13:17:56 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/homeowner.html"><![CDATA[Homeowner]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
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		<category domain="http://resources.bnet.com/topic/alain+sherter.html"><![CDATA[Alain Sherter]]></category>
	</item>
	<item>
		<title><![CDATA[Act Now on Refinancing -- or Kiss Those Low Rates Goodbye]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/blog/real-time-money/act-now-on-refinancing-or-kiss-those-low-rates-goodbye/243/]]></link>
		<description><![CDATA[Procrastination can be costly in financial affairs, especiallyÂ with the biggest combined asset and debt most of us own and owe: our home and the mortgage we pay for it. There's a window of opportunity right now in the mortgage market that seems likely toÂ close in months ahead --Â oneÂ you mayÂ regret not...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 18 Nov 2009 13:43:27 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
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		<category domain="http://resources.bnet.com/topic/chris+pummer.html"><![CDATA[Chris Pummer]]></category>
	</item>
	<item>
		<title><![CDATA[How Much House Do You Really Need?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/blog/consumer-reporter/how-much-house-do-you-really-need/422/]]></link>
		<description><![CDATA[[caption id="attachment_428" align="alignright" width="174" caption="You probably need a house bigger than thisâ€"but not by much."][/caption]    Emerging from this recession is a new rule: Buy only as much house as you need.    Unfortunately for their finances, Americans have been doing anything but. You have only...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Wed, 18 Nov 2009 09:43:24 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/house.html"><![CDATA[House]]></category>
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		<category domain="http://resources.bnet.com/topic/marlys+harris.html"><![CDATA[Marlys Harris]]></category>
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