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   <channel>
   <title>About.com Financial Planning: Most Popular Articles</title>
   <link>http://financialplan.about.com/</link>
   
   <description>These articles are the most popular over the last month.</description>
   <language>en-us</language>
  <pubDate>Tue, 09 Feb 2010 10:28:03 +0000</pubDate>
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   <title>About.com</title>
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   <link>http://www.about.com/</link> 
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         <item>
         <title><![CDATA[Basic Budget Worksheet for Setting Up Your Personal Budget]]></title>
         <link>http://financialplan.about.com/cs/budgeting/l/blbudget.htm</link>
         <description><![CDATA[Budget worksheet form for setting up your personal budget]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/l/blbudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Child Tax Credit]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/ChildTaxCredit.htm</link>
         <description><![CDATA[The Child Tax Credit - what you need to know to claim it properly.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/ChildTaxCredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How To Create a Budget]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/ht/createbudget.htm</link>
         <description><![CDATA[Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Buying Diamond Engagement Ring]]></title>
         <link>http://financialplan.about.com/cs/singlesandmoney/a/DiamondRings.htm</link>
         <description><![CDATA[What You Need to Know When Buying a Diamond Engagement Ring]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/singlesandmoney/a/DiamondRings.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Establish Credit]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htm</link>
         <description><![CDATA[When you don&amp;#8217;t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don&amp;#8217;t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budgeting 101]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/tp/budgeting-101.htm</link>
         <description><![CDATA[Budgeting lies at the foundation of every financial plan. It doesn&amp;#8217;t matter if you&amp;#8217;re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn&amp;#8217;t all about restricting what you spend money on and cutting out all the fun in your life.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetingyourmoney/tp/budgeting-101.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Itemizing Deductions]]></title>
         <link>http://financialplan.about.com/od/taxplanning/a/ItemizingTaxes.htm</link>
         <description><![CDATA[When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don&amp;#8217;t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/a/ItemizingTaxes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[U.S. Savings Bonds]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/SavingsBonds.htm</link>
         <description><![CDATA[If you&amp;#8217;re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/SavingsBonds.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tweak Your Tax Withholding]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/TaxWithholding.htm</link>
         <description><![CDATA[Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/TaxWithholding.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Contacting the IRS]]></title>
         <link>http://financialplan.about.com/od/taxplanning/a/ContactIRS.htm</link>
         <description><![CDATA[Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don&amp;#8217;t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Get Out of Debt]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/qt/how-to-get-out-of-debt.htm</link>
         <description><![CDATA[Credit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit card balance is usually between 10-30% APR. These high interest rates make it difficult for people to pay down their debt -- especially if only making the minimum payments each month.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Money Management Software]]></title>
         <link>http://financialplan.about.com/od/financialtools/tp/topmoneysoftware.htm</link>
         <description><![CDATA[Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Check Your Tax Refund Status]]></title>
         <link>http://financialplan.about.com/od/taxplanning/qt/taxrefund.htm</link>
         <description><![CDATA[Have you filed your tax return and are now awaiting a refund? The good news is that you don&amp;#8217;t have to be left in the dark in regards to the status of your refund. The IRS has a great tool on their website that allows you to instantly check on your refund status.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save on Your Wedding]]></title>
         <link>http://financialplan.about.com/od/planningforlifestages/a/saveonwedding.htm</link>
         <description><![CDATA[According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn&amp;#8217;t have to be so painful. There are many steps you can take to make sure that you&amp;#8217;re getting the most bang for your buck when planning that special day.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/planningforlifestages/a/saveonwedding.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bi-Weekly Mortgage Payments]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/qt/Bi-Weekly-Mortgage.htm</link>
         <description><![CDATA[Chances are that if you have a mortgage currently you&amp;#8217;re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it&amp;#8217;s easy to budget for. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How To Calculate Net Worth]]></title>
         <link>http://financialplan.about.com/od/personalfinance/ht/networthhowto.htm</link>
         <description><![CDATA[Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/ht/networthhowto.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Ways to Improve Credit Score]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/improvecredit.htm</link>
         <description><![CDATA[Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/improvecredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Debt Snowball]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/a/DebtSnowball.htm</link>
         <description><![CDATA[The Debt Snowball is the fastest method of paying of credit debt. Here's how to do it.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditcarddebt/a/DebtSnowball.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budget Basics]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/a/BudgetBasics.htm</link>
         <description><![CDATA[A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn&amp;#8217;t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don&amp;#8217;t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budget Worksheet for College Students]]></title>
         <link>http://financialplan.about.com/od/moneyandcollegestudents/l/blcollbudget.htm</link>
         <description><![CDATA[BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneyandcollegestudents/l/blcollbudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How To Balance Your Checkbook]]></title>
         <link>http://financialplan.about.com/od/banking/ht/BalCheckbook.htm</link>
         <description><![CDATA[Balancing Your Checkbook: Step-by-Step Instructions]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/banking/ht/BalCheckbook.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Debt to Income Ratio]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/Debt-to-Income.htm</link>
         <description><![CDATA[Two major components of tracking how you&amp;#8217;re doing financially can be broken down into your income and debt levels. &amp;#172;Obviously, you&amp;#8217;d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that&amp;#8217;s good enough?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Where to Keep Your Savings]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/wheretokeepsave.htm</link>
         <description><![CDATA[So, you&amp;#8217;ve set up an automatic savings program and you&amp;#8217;re finally building up that emergency fund, but where should you keep your savings so that it earns the most interest for you? Luckily, there are many different savings vehicles available, but not all of them are appropriate for every situation.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much to Budget by Category]]></title>
         <link>http://financialplan.about.com/od/budgetin1/f/ExpensePercent.htm</link>
         <description><![CDATA[What Percentage of Our Income Should We Budget for Each Expense Category?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetin1/f/ExpensePercent.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Your FICO Credit Score]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/FICO-Credit-Score.htm</link>
         <description><![CDATA[You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person&amp;#8217;s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[You Can Get Out of Debt]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/GetOutOfDebt.htm</link>
         <description><![CDATA[You Can Get Out of Debt, But Not by Paying the Minimum Balance on Your Credit Cards]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/GetOutOfDebt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Five Worst Car Mistakes]]></title>
         <link>http://financialplan.about.com/od/mortgagesandloans/a/CarMistakes.htm</link>
         <description><![CDATA[Five Worst Money Mistakes to Avoid When Buying a Car]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/mortgagesandloans/a/CarMistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Ten Financial Tips]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/TopTenMoneyTips.htm</link>
         <description><![CDATA[Top Ten Financial Tips: Keys to Financial Success]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Guide Picks for Tax Software]]></title>
         <link>http://financialplan.about.com/od/software/tp/TPTaxSoftware.htm</link>
         <description><![CDATA[Top Picks - Tax Preparation Software Reviews]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/software/tp/TPTaxSoftware.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save Money on Heating Costs]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/HeatingCosts.htm</link>
         <description><![CDATA[Save money by reducing heating costs]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/HeatingCosts.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Saving for a Down Payment]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/a/savedownpmt.htm</link>
         <description><![CDATA[In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing a Planner]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/choosingaplan.htm</link>
         <description><![CDATA[With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don&amp;#8217;t have the time or have a complicated situation that may need the assistance of a finance professional.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Roth vs. Traditional IRA]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/f/whichIRAisBest.htm</link>
         <description><![CDATA[A common question many people have is what type of IRA is best. Both the Traditional and Roth IRAs have significant tax advantages, but in some situations one may be better than the other. Since we can't predict what taxes will be like 20 years from now, if you have the ability to contribute to both types of IRAs, that might be a good idea. By diversifying your tax liabilities, you can be prepared for any significant changes in tax rates by the time you reach retirement. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Ways for Teens to Make Money]]></title>
         <link>http://financialplan.about.com/od/studentsandmoney/a/TeensMakeMoney.htm</link>
         <description><![CDATA[Jobs for Teens and Other Ways to Make Money]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Be Prepared for Closing Costs When You Buy a Home]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/l/aaclosingcosts.htm</link>
         <description><![CDATA[Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Maximize Your Benefits]]></title>
         <link>http://financialplan.about.com/cs/insuranc1/a/FlexSpendPlan.htm</link>
         <description><![CDATA[Maximize Your Employment Benefits: Flexible Spending Accounts]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/insuranc1/a/FlexSpendPlan.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Biggest Taxpayer Rip-off]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/TaxRefundLoans.htm</link>
         <description><![CDATA[Income Tax Refund Loans: Taxpayer Rip-off]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/TaxRefundLoans.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Picks: Personal Finance Books]]></title>
         <link>http://financialplan.about.com/od/moneytools/l/aatpbooks.htm</link>
         <description><![CDATA[Top picks for personal finance books: personal finance books managing your personal finances college educations money goals corporate tools]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Seeking Credit Counseling]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/CreditCounselor.htm</link>
         <description><![CDATA[Consumer Credit Counseling Services: Should You Use Them?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/CreditCounselor.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Why You Need an Emergency Fund]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/emergencyfund.htm</link>
         <description><![CDATA[In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you&amp;#8217;ve never dreamed of.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/emergencyfund.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Can&#039;t Pay Your Income Taxes?]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/CantPayTaxes.htm</link>
         <description><![CDATA[What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/CantPayTaxes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budgeting]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/Budgeting.htm</link>
         <description><![CDATA[Budgeting - The First Step to Financial Success]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/Budgeting.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How To Become a Millionaire]]></title>
         <link>http://financialplan.about.com/od/investing/a/Millionaire.htm</link>
         <description><![CDATA[How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/investing/a/Millionaire.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much Home Can You Afford?]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/a/howmuchhome.htm</link>
         <description><![CDATA[When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/realestatemortgages/a/howmuchhome.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Setting Financial Goals]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/FinancialGoals.htm</link>
         <description><![CDATA[Setting Financial Goals - The Second Step in Personal Financial Planning ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/FinancialGoals.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Review W-4 Exemptions]]></title>
         <link>http://financialplan.about.com/od/taxplanning/qt/taxwithholding.htm</link>
         <description><![CDATA[If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/qt/taxwithholding.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tweaking My Budget]]></title>
         <link>http://financialplan.about.com/ub/11/a/000010.htm</link>
         <description><![CDATA[Tweaking My Budget]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/ub/11/a/000010.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Good News for Married Couples]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/MarriagePenalty.htm</link>
         <description><![CDATA[The Tax Act of 2003 Ends the Marriage Tax Penalty for Many Couples]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/MarriagePenalty.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[401(k) Loan]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/401kloan.htm</link>
         <description><![CDATA[Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/401kloan.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Can You Afford to Have Kids?]]></title>
         <link>http://financialplan.about.com/cs/familyfinances/a/CanYouAffordKid.htm</link>
         <description><![CDATA[Can You Afford to Have Kids? Financial Planning for a New Baby]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/familyfinances/a/CanYouAffordKid.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budgeting Traits]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/qt/BudgetTraits.htm</link>
         <description><![CDATA[Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget. It usually starts with good intentions, but just like dieting, it doesn&amp;#8217;t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetingyourmoney/qt/BudgetTraits.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[One-Stop Income Tax Guide]]></title>
         <link>http://financialplan.about.com/od/taxesandtaxplanning/a/TaxGuide.htm</link>
         <description><![CDATA[All About Income Taxes - Your One-Stop Income Tax Guide]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxesandtaxplanning/a/TaxGuide.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Money and the College Student]]></title>
         <link>http://financialplan.about.com/cs/college/a/MoneyCollege.htm</link>
         <description><![CDATA[Money Advice for College Students. Leave College Without Credit Card Debt.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/college/a/MoneyCollege.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Grocery Tips]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/GroceryTips.htm</link>
         <description><![CDATA[Have you been shocked by your grocery shopping bills recently? You&amp;#8217;re not alone. Inflation always has, and always will be around, but it is affecting food prices more than others. Most families find that when creating a budget, more effort is being made trying to save money on gas and groceries. Here are some tips that can help you keep your grocery budget under control.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/GroceryTips.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Can&#039;t Pay Taxes]]></title>
         <link>http://financialplan.about.com/od/taxplanning/a/cantpaytax.htm</link>
         <description><![CDATA[The realization that you can&amp;#146;t afford to pay your taxes can make you feel uneasy, but don&amp;#146;t worry, there are some actions you can take to remedy the situation.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/a/cantpaytax.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Checkbook Balancing Form]]></title>
         <link>http://financialplan.about.com/od/banking/l/blbalform.htm</link>
         <description><![CDATA[Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1.  Outstanding]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/banking/l/blbalform.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cut Homeowner&#039;s Insurance]]></title>
         <link>http://financialplan.about.com/od/homeownersinsurance/a/Homeowners.htm</link>
         <description><![CDATA[Ten Ways To Cut Your Homeowner's Insurance Premiums]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/homeownersinsurance/a/Homeowners.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Guilt-free Budgeting]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/GuiltFreeBudget.htm</link>
         <description><![CDATA[How to Achieve Guilt-free Budgeting and Take Control of Your Finances]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/GuiltFreeBudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Wedding Budget Worksheet]]></title>
         <link>http://financialplan.about.com/cs/budgeting/l/blweddingbudget.htm</link>
         <description><![CDATA[Click here for a printer-friendly version WEDDING BUDGET WORKSHEET Item Budgeted Cost Actual Cost PRINTING:]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/l/blweddingbudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Organize Your Finances]]></title>
         <link>http://financialplan.about.com/od/personalfinance/qt/organized.htm</link>
         <description><![CDATA[One of the easiest things you can do to help keep your financial house in order is to get organized. Having your financial information stored and processed in a systematic manner will go a long way in helping maintain your finances.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/qt/organized.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Co-signing a Loan]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/CosigningLoans.htm</link>
         <description><![CDATA[Co-signing a Loan: What You Need To Know]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/CosigningLoans.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Insuring Your Life]]></title>
         <link>http://financialplan.about.com/cs/insuranc1/a/LifeInsurance.htm</link>
         <description><![CDATA[Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/insuranc1/a/LifeInsurance.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Make Saving Automatic]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/automaticsave.htm</link>
         <description><![CDATA[Do you have a savings account yet find it difficult to find money to deposit into it? This isn&amp;#8217;t an uncommon problem and most people find it hard to save.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/automaticsave.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Leasing a Car vs Buying]]></title>
         <link>http://financialplan.about.com/cs/cars/a/CarLeaseOrBuy.htm</link>
         <description><![CDATA[Should you lease your next car or buy it? Ten things you must know before buying orleasing your new car.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/cars/a/CarLeaseOrBuy.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save $ on Home Expenses]]></title>
         <link>http://financialplan.about.com/cs/frugalliving/a/101YourHome.htm</link>
         <description><![CDATA[Tips on how to save money on your home expenses, including your mortgage and utilities.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/frugalliving/a/101YourHome.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Identity Theft Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/IDTheftInsure.htm</link>
         <description><![CDATA[Should You Buy Identity Theft Insurance or Credit Monitoring Services?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/insurance/a/IDTheftInsure.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Not to Pay Off Debt]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/How-Not-to-Pay-Off-Debt.htm</link>
         <description><![CDATA[Getting out of debt is a major financial goal for many people. While it&amp;#8217;s important to reduce your debt load and try to begin creating wealth it&amp;#8217;s also important that you take the right steps toward repaying your debt.  In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/How-Not-to-Pay-Off-Debt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Investing 101: What Are Bonds?]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/bond-basics.htm</link>
         <description><![CDATA[Most investors are familiar with the two primary types of investments: stocks and bonds. Stocks are easy to understand because we hear about the stock market on a daily basis. The news constantly reminds us about whether the stock market is going up, down, and what companies are doing the best and worst. What about bonds? Most of us have bonds in our portfolios, but we hear very little about bond markets or how these financial instruments actually work.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/bond-basics.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Joint or Separate Accounts?]]></title>
         <link>http://financialplan.about.com/od/marriedcouplesfamilies/a/JointOrSeparate.htm</link>
         <description><![CDATA[Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/marriedcouplesfamilies/a/JointOrSeparate.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Free Tax Advice]]></title>
         <link>http://financialplan.about.com/od/taxplanning/qt/IRSPhone.htm</link>
         <description><![CDATA[Are you looking for help with your taxes? Try calling 1-800-829-1040. This is the toll-free number for the IRS tax question line. With this number, you will be put in touch with someone right at the IRS who can assist you with your own personal tax situation if you have any questions.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/qt/IRSPhone.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Credit Score Criteria]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/creditscore.htm</link>
         <description><![CDATA[Your credit score is a number that is calculated with a formula that lenders use to predict how much risk you are as a borrower. This score is one of the most important factors used when determining whether or not to lend you money and at what interest rate.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/creditscore.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Couples and Money]]></title>
         <link>http://financialplan.about.com/cs/familyfinances/a/CouplesMoney.htm</link>
         <description><![CDATA[Couples and Money: How to Talk the Talk]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/familyfinances/a/CouplesMoney.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Turbo Tax Software]]></title>
         <link>http://financialplan.about.com/cs/productreviews/gr/PRTurboTax.htm</link>
         <description><![CDATA[Product Review of Quicken Turbo Tax Software]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/productreviews/gr/PRTurboTax.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Money and Unmarried Couples]]></title>
         <link>http://financialplan.about.com/cs/unmarriedcouples/a/SoHappyTogether.htm</link>
         <description><![CDATA[Single couples living together face unique money issues. Learn the three most critical personal finance issues facing unmarried couples. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/unmarriedcouples/a/SoHappyTogether.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Out of Debt Guide]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/GetOutOfDebt.htm</link>
         <description><![CDATA[Get Out of Debt guide - What You Need To Know Before You Can Get Out of Debt]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/GetOutOfDebt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Debt Warning Signs]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/qt/WarningSigns.htm</link>
         <description><![CDATA[Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/qt/WarningSigns.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Fees When Buying a Home]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/a/homebuyingfees.htm</link>
         <description><![CDATA[When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/realestatemortgages/a/homebuyingfees.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Balancing Your Checkbook]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/CheckbookBalanc.htm</link>
         <description><![CDATA[Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/CheckbookBalanc.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Started in Investing]]></title>
         <link>http://financialplan.about.com/cs/investing/a/StartInvesting.htm</link>
         <description><![CDATA[How to Get Started in Investing With Small Amounts of Money]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/investing/a/StartInvesting.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bear Market Strategies]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/BearMarketTips.htm</link>
         <description><![CDATA[Bear markets present a challenge to even the savviest investors. It doesn&amp;#8217;t matter if you have $1,000 in the market or $1 million, losing money hurts. It is during these declining markets your patience will be tested. If fear sets in, you might consider bailing out on your investment plan completely, which can do more damage than anything else.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/BearMarketTips.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Spend Your Tax Refund]]></title>
         <link>http://financialplan.about.com/od/taxplanning/qt/MostTaxRefund.htm</link>
         <description><![CDATA[If you&amp;#8217;re expecting an income tax refund this year, you&amp;#8217;ll want to make sure you put that money to good use. While it can feel like you&amp;#8217;re receiving a windfall, remember that this is just excess money that you paid the government. This doesn&amp;#8217;t mean you can&amp;#8217;t have a little fun, but this money can also provide a great boost to your other financial goals.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/qt/MostTaxRefund.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Advice for Your 20s]]></title>
         <link>http://financialplan.about.com/cs/moneyforyouth/a/Advice20s.htm</link>
         <description><![CDATA[Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/moneyforyouth/a/Advice20s.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Online $ Calculators]]></title>
         <link>http://financialplan.about.com/od/onlinecalculators/a/TopCalculators.htm</link>
         <description><![CDATA[Top Ten Online Money Calculators - Manage Your Finances More Easily]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/onlinecalculators/a/TopCalculators.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[15-year Mortgages]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/15YrMortgages.htm</link>
         <description><![CDATA[Best Financial Moves - 15-Year Mortgages. Save large sums of money by having a 15-year instead of a 30-year mortgage]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/a/15YrMortgages.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Marriage - Mingling Your Money]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/Marriage.htm</link>
         <description><![CDATA[Marriage - Tying the Financial Knot. The Way You Mingle Your Money Can Mean the Difference Between Wedded Bliss and Divorce Court]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/Marriage.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Secret To Saving Money]]></title>
         <link>http://financialplan.about.com/cs/saving/a/SecretToSaving.htm</link>
         <description><![CDATA[One small and suprisingly simple secret can show you to save money.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/saving/a/SecretToSaving.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Urge to Splurge]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/UrgeToSplurge.htm</link>
         <description><![CDATA[The Real Culprit Behind Your Urge to Splurge]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/UrgeToSplurge.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Income Tax Forms]]></title>
         <link>http://financialplan.about.com/od/taxplanning/a/TaxForms.htm</link>
         <description><![CDATA[Taxes are one of the certainties in life, and the IRS doesn&amp;#8217;t make filing a tax return the easiest thing in the world. For individuals, there are a number of variants for the same form. You have form 1040, 1040A, and even 1040EZ.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/a/TaxForms.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Roots of Overspending]]></title>
         <link>http://financialplan.about.com/od/savingmoney/qt/Overspending.htm</link>
         <description><![CDATA[To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/qt/Overspending.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Personal Finance 101]]></title>
         <link>http://financialplan.about.com/od/personalfinance/tp/personalfinance101.htm</link>
         <description><![CDATA[Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/tp/personalfinance101.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What Makes a Good Budget?]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/GoodBudget.htm</link>
         <description><![CDATA[What Makes a Good Budget? Top Ten Features of a Successful Budget]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/GoodBudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Issues of Divorce]]></title>
         <link>http://financialplan.about.com/cs/divorceandmoney/a/DivorceIssues.htm</link>
         <description><![CDATA[Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/divorceandmoney/a/DivorceIssues.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Stay Away From Payday Loans ]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/PaydayLoans.htm</link>
         <description><![CDATA[Quick and easy cash? There's nothing easy about payday loans.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/PaydayLoans.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[A Financial Emergency]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/FinancialCrisis.htm</link>
         <description><![CDATA[Have you just been blindsided by an unexpected financial emergency and don&amp;#8217;t know what to do?  Whether it&amp;#8217;s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/FinancialCrisis.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Retirement Savings Late Start]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/LateStartRetire.htm</link>
         <description><![CDATA[Ten Tips for Late Starters To Boost Their Retirement Savings]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/LateStartRetire.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing a Roth IRA]]></title>
         <link>http://financialplan.about.com/cs/retirementiras/a/RothOrNot.htm</link>
         <description><![CDATA[Choosing a Roth vs a Traditional IRA]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/retirementiras/a/RothOrNot.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Investing With Little Money]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/start-investing-with-very-little-money.htm</link>
         <description><![CDATA[Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn&amp;#8217;t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here&amp;#8217;s how.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/start-investing-with-very-little-money.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Beware Payday Loans]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/PaydayLoan.htm</link>
         <description><![CDATA[Beware of Payday Loans: Dangerous Consumer Rip-Off]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/PaydayLoan.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Traditional IRA]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/traditionalira.htm</link>
         <description><![CDATA[A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/traditionalira.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Dealing With Divorce]]></title>
         <link>http://financialplan.about.com/cs/divorceandmoney/a/DealWithDivorce.htm</link>
         <description><![CDATA[Dealing with the financial impact of divorce. Know your obligations and how to protect yourself financially]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/divorceandmoney/a/DealWithDivorce.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Before Buying a Home]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/a/BuyingaHome.htm</link>
         <description><![CDATA[For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren&amp;#8217;t bound by a landlord&amp;#8217;s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Student Loans vs Mortgage]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/StudentLoansMor.htm</link>
         <description><![CDATA[Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/StudentLoansMor.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Planning - Articles]]></title>
         <link>http://financialplan.about.com/cs/a.htm</link>
         <description><![CDATA[An index of articles for the Financial Planning guide site.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/a.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Personal Finance Magazines]]></title>
         <link>http://financialplan.about.com/od/moneymagazinesnewsletters/tp/TopMagazines.htm</link>
         <description><![CDATA[Top Personal Finance Magazines for the average person]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneymagazinesnewsletters/tp/TopMagazines.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Retirement Funds and Divorce]]></title>
         <link>http://financialplan.about.com/cs/divorceandmoney/a/AssetsInDivorce.htm</link>
         <description><![CDATA[Protect your share of your spouse's retirement plan if you're getting a separation or divorce]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/divorceandmoney/a/AssetsInDivorce.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Mutual Fund Fees]]></title>
         <link>http://financialplan.about.com/od/investing/a/MutualFundFees.htm</link>
         <description><![CDATA[To make the best decision when buying mutual funds, you need to understand mutual fund fees]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/investing/a/MutualFundFees.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Introduction to Saving Money]]></title>
         <link>http://financialplan.about.com/od/savingmoney/tp/savingintro.htm</link>
         <description><![CDATA[The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/tp/savingintro.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cut Air Conditioning Costs]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/CoolingCosts.htm</link>
         <description><![CDATA[Save Money on Air Conditioning Costs]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/CoolingCosts.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tying the Knot Financially]]></title>
         <link>http://financialplan.about.com/cs/singlesandmoney/a/TyingKnotToDo.htm</link>
         <description><![CDATA[Tying the Knot: A Financial To Do List for Newlyweds]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/singlesandmoney/a/TyingKnotToDo.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Should Teens Have Credit Cards]]></title>
         <link>http://financialplan.about.com/od/studentsandmoney/a/TeenCreditCards.htm</link>
         <description><![CDATA[Should Teens Have Credit Cards?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/studentsandmoney/a/TeenCreditCards.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Next Year&#039;s Tax Refund Now]]></title>
         <link>http://financialplan.about.com/od/taxesandtaxplanning/a/GetTaxRefundNow.htm</link>
         <description><![CDATA[Get Next Year's Income Tax Refund Now]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxesandtaxplanning/a/GetTaxRefundNow.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Eliminate PMI]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/qt/Eliminate-PMI.htm</link>
         <description><![CDATA[Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don&amp;#8217;t have enough equity in the home. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/realestatemortgages/qt/Eliminate-PMI.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much Do I Need to Retire?]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/f/HowMuchToRetire.htm</link>
         <description><![CDATA[This question is frequently asked, but rarely has a definitive answer. The problem is that everyone&amp;#8217;s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/f/HowMuchToRetire.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[401(k) Plans]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/whatis401k.htm</link>
         <description><![CDATA[Don&amp;#8217;t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/whatis401k.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Cut Spending Leaks]]></title>
         <link>http://financialplan.about.com/od/savingmoney/qt/spendingleaks.htm</link>
         <description><![CDATA[Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/qt/spendingleaks.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The High Cost of Credit Cards]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/CostCreditCards.htm</link>
         <description><![CDATA[The High Cost of Using Credit Cards. If you buy with a credit card, how much is that purchase really costing you? Find out what the credit card companies don't want you to know]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/CostCreditCards.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[A Budget Can Improve Your Life]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/12ReasonsBudget.htm</link>
         <description><![CDATA[Twelve Reasons Budgeting Can Improve Your Life]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/12ReasonsBudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Laddering CDs]]></title>
         <link>http://financialplan.about.com/cs/investing/a/LadderingCDs.htm</link>
         <description><![CDATA[Laddering Certificates of Deposit (CDs)to Maximize Your Earnings and Balance Risk and Reward]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/investing/a/LadderingCDs.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Rules of Thumb]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/rulesofthumb.htm</link>
         <description><![CDATA[Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/rulesofthumb.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Insurance You Do Need]]></title>
         <link>http://financialplan.about.com/od/insurance/a/insuredoneed.htm</link>
         <description><![CDATA[You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/insurance/a/insuredoneed.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Free Credit Reports]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/FreeCredit.htm</link>
         <description><![CDATA[In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months.&#10;Your credit report contains the following information: ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/FreeCredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing the Best Mortgage]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/BestMortgage.htm</link>
         <description><![CDATA[Choosing the Best Mortgage for You. Why It's Important and How To Do It]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/a/BestMortgage.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Single Money Tips]]></title>
         <link>http://financialplan.about.com/od/planningforlifestages/a/money-tips-for-singles.htm</link>
         <description><![CDATA[Being single presents some unique financial planning challenges. Whether you&amp;#8217;re single by choice, or as a result of a recent breakup or divorce, there are a few things you need to keep in mind when managing money just for yourself. Since you&amp;#8217;re the only one earning income and still have bills to pay, you need to be sure that you&amp;#8217;re making the most of what you have since you don&amp;#8217;t have someone else to fall back on.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/planningforlifestages/a/money-tips-for-singles.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Difference Between APR and APY]]></title>
         <link>http://financialplan.about.com/od/savingmoney/qt/APRvsAPY.htm</link>
         <description><![CDATA[Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/qt/APRvsAPY.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Does the IRS Owe You Money?]]></title>
         <link>http://financialplan.about.com/od/taxesandtaxplanning/a/UnclaimedRefund.htm</link>
         <description><![CDATA[Taxpayers unknowingly forfeit billions of dollars in unclaimed income tax refunds. Don't be one of them.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxesandtaxplanning/a/UnclaimedRefund.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Collecting Child Support]]></title>
         <link>http://financialplan.about.com/cs/familyfinances/a/ChildSupport.htm</link>
         <description><![CDATA[Collecting Child Support. Unpaid Child Support plunges millions into poverty. Don't be one of them.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/familyfinances/a/ChildSupport.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Reduce Your Rates With a Call]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/askforlowrate.htm</link>
         <description><![CDATA[As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/askforlowrate.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Should You Refinance?]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/LowInterestRate.htm</link>
         <description><![CDATA[How to Take Advantage of Lower Mortgage Interest Rates]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/a/LowInterestRate.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Net Worth Worksheet]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/l/blnetworth.htm</link>
         <description><![CDATA[Net worth worksheet for calculating how much you're worth financially]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinancebasics/l/blnetworth.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Personal Financial Plan]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/ss/FinancialPlan.htm</link>
         <description><![CDATA[Step by step instructions for creating your own personal basic financial plan.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinancebasics/ss/FinancialPlan.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Prepare for Rising Rates]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/RisingRates.htm</link>
         <description><![CDATA[Six Ways To Prepare Now For Rising Interest Rates: Take Steps Now to Soften the Impact]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/RisingRates.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Credit Card Minimums Double]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/a/CCMinimums.htm</link>
         <description><![CDATA[Your Monthly Credit Card Minimum Payments May Double]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditcarddebt/a/CCMinimums.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Why You Need a Will]]></title>
         <link>http://financialplan.about.com/cs/doityourself/a/WhyYouNeedWill.htm</link>
         <description><![CDATA[Do You Need a Will? The Answer is Probably Yes.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/doityourself/a/WhyYouNeedWill.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much to Save for College?]]></title>
         <link>http://financialplan.about.com/od/savingforcollege/a/howmuchcollege.htm</link>
         <description><![CDATA[How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingforcollege/a/howmuchcollege.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Try Using Cash]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/a/usecash.htm</link>
         <description><![CDATA[If you are struggling to stay within your budget or always seem to spend more money than you should it might be a good idea to go back to using cash for daily purchases. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetingyourmoney/a/usecash.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[IRA Tips for Tax Time]]></title>
         <link>http://financialplan.about.com/od/taxplanning/qt/IRATaxTips.htm</link>
         <description><![CDATA[2007 may be gone, but it isn&amp;#8217;t too late to make 2007 IRA contributions. Unlike most tax tips that require action to be taken before December 31st, IRAs have an added benefit of being able to make prior year contributions up until April 15th. This is good news if you want to take advantage of the many tax benefits that these accounts provide.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxplanning/qt/IRATaxTips.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Smart Moves for College Grads]]></title>
         <link>http://financialplan.about.com/od/college/a/SmartMoves.htm</link>
         <description><![CDATA[Five Smart Money Moves for New College Graduates]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/college/a/SmartMoves.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Money for Couples]]></title>
         <link>http://financialplan.about.com/od/marriedcouplesfamilies/a/CouplesandMoney_2.htm</link>
         <description><![CDATA[Money Guide for Married Couples]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/marriedcouplesfamilies/a/CouplesandMoney_2.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[College Student Mistakes]]></title>
         <link>http://financialplan.about.com/od/students/a/college-student-money-mistakes.htm</link>
         <description><![CDATA[College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it&amp;#8217;s no wonder that many college students end up making some costly money mistakes.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/students/a/college-student-money-mistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Dave Ramsey]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/a/DaveRamsey.htm</link>
         <description><![CDATA[Dave Ramsey, One of America's Best Personal Finance Experts]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinancebasics/a/DaveRamsey.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Saving for Child&#039;s Education]]></title>
         <link>http://financialplan.about.com/od/payingforcollege/f/CollegeFund.htm</link>
         <description><![CDATA[What's the Best Way to Save For My Child's College Education?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/payingforcollege/f/CollegeFund.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[You Can Afford to Stay Home]]></title>
         <link>http://financialplan.about.com/cs/familyfinances/a/StayHomeParents.htm</link>
         <description><![CDATA[You Can Afford to Stay Home With Your Kids. How to Calculate What That Second Income is Really Costing You and What It's Really Worth.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/familyfinances/a/StayHomeParents.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Paying Off My First Credit Card Balance]]></title>
         <link>http://financialplan.about.com/ub/11/a/000025.htm</link>
         <description><![CDATA[Paying Off My First Credit Card Balance]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/ub/11/a/000025.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Changing Jobs and Your 401(k)]]></title>
         <link>http://financialplan.about.com/library/weekly/aa062001a.htm</link>
         <description><![CDATA[Changing Jobs and Your 401(k) The Wrong Move Can Cost You Thousands in Taxes, Penalties, and Forfeited]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/library/weekly/aa062001a.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Monthly Budget Worksheet for College Students]]></title>
         <link>http://financialplan.about.com/cs/budgeting/l/blmocolbud.htm</link>
         <description><![CDATA[MONTHLY BUDGET WORKSHEET FOR COLLEGE STUDENTS (Printer friendly version of this worksheet) CATEGORY MONTHLY]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/l/blmocolbud.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Suze Orman - Money Expert]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/SuzeOrman.htm</link>
         <description><![CDATA[What Makes Suze Orman One of America's Best Personal Finance Experts?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/SuzeOrman.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[5 Mistakes When Buying a Car]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/newcarmistakes.htm</link>
         <description><![CDATA[For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/newcarmistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Refinancing Your Mortgage]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/qt/RefinanceOrNot.htm</link>
         <description><![CDATA[If you have a fixed-rate mortgage and mortgage rates are falling, it only makes sense to consider trying to refinance at a lower rate. But as with most things in finance, it isn&amp;#8217;t always a simple answer. Refinancing can certainly make sense, but it also costs money to refinance a mortgage. Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/realestatemortgages/qt/RefinanceOrNot.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Importance of Credit Score]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/importantcredit.htm</link>
         <description><![CDATA[Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/importantcredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Plan to Reduce Income Taxes]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/PlanToReduceTax.htm</link>
         <description><![CDATA[If you want to save money on next year's income taxes now is the time to plan how to do it]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/PlanToReduceTax.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Make Tax Filing Easier]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/TaxRecords.htm</link>
         <description><![CDATA[Make Tax Filing Easier with These Record Keeping Tips. What records should you keep for tax purposes and how long should you keep them?  Record keeping advice you can use all year]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/TaxRecords.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Biggest Money Mistakes]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/a/MoneyMistakes.htm</link>
         <description><![CDATA[Seven Biggest Money Mistakes in Accumulating Wealth]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinancebasics/a/MoneyMistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[6 Retirement Mistakes to Avoid]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/sixretmistakes.htm</link>
         <description><![CDATA[We all make mistakes, but learning from our mistakes and identifying what mistakes to avoid can make a big difference. Here are six common mistakes people make with retirement planning that you should avoid.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/sixretmistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Minimum Payment Habit]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/minpayment.htm</link>
         <description><![CDATA[One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/a/minpayment.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[COBRA Premium Reduction]]></title>
         <link>http://financialplan.about.com/od/insurance/qt/COBRA-premium-reduction-2009.htm</link>
         <description><![CDATA[What happens if you lose your job which also provided your health insurance benefits? This is not an uncommon problem as health insurance in this country is largely tied to employment. So, what can you do? Luckily, there is some assistance available. It&amp;#8217;s called COBRA.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/insurance/qt/COBRA-premium-reduction-2009.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Advice for 50s &amp; 60s]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/Advice50s60s.htm</link>
         <description><![CDATA[Financial Advice for Your Fifties and Sixties. Financial Planning Throughout Your Life]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/Advice50s60s.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Personal Finance 20s and 30s]]></title>
         <link>http://financialplan.about.com/od/moneybyageorlifestage/a/PF20s30s.htm</link>
         <description><![CDATA[Personal Finance in Your 20s and 30s]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneybyageorlifestage/a/PF20s30s.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Comparing Life Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/Comparing-Life-Insurance.htm</link>
         <description><![CDATA[Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you&amp;#8217;re making the best choice?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/insurance/a/Comparing-Life-Insurance.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Money Advice For Your 30s&amp;40s]]></title>
         <link>http://financialplan.about.com/cs/familyfinances/a/Advice30s40s.htm</link>
         <description><![CDATA[Financial Advice for Your 30s and 40s]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/familyfinances/a/Advice30s40s.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Maintaining Health Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/conthealthcare.htm</link>
         <description><![CDATA[If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you&amp;#8217;re generally only paying a portion of the total premium in a large group plan. So, what happens when you are no longer employed and eligible for these benefits?]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/insurance/a/conthealthcare.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Online Savings Accounts]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/OnlineBanks.htm</link>
         <description><![CDATA[When the markets turn volatile, people tend to seek out safer places to stash their cash. Naturally, some have turned towards the high-yield savings accounts of online banks. The appeal of these banks is clear -- many of them offer interest rates that are far higher than traditional brick and mortar banks.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Home Office Deduction]]></title>
         <link>http://financialplan.about.com/od/selfemployment/a/homeofficeded.htm</link>
         <description><![CDATA[One of the benefits of being self-employed and working from home is that you may qualify for some additional tax advantages. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/selfemployment/a/homeofficeded.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Rule of 72]]></title>
         <link>http://financialplan.about.com/od/personalfinance/qt/Ruleof72.htm</link>
         <description><![CDATA[Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/qt/Ruleof72.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What Are Mutual Funds?]]></title>
         <link>http://financialplan.about.com/od/stocksbondsmutualfunds/a/MutualFunds.htm</link>
         <description><![CDATA[What Are Mutual Funds - A Simple Explanation of How Mutual Funds Work]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/stocksbondsmutualfunds/a/MutualFunds.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Build a Financial Safety Net]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/FinlSafetyNet.htm</link>
         <description><![CDATA[Building a Financial Safety Net]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What Are Stocks?]]></title>
         <link>http://financialplan.about.com/od/investing/a/WhatIsStock.htm</link>
         <description><![CDATA[What are stocks? A simple explanation of stocks and how they work.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[All About Financial Planning]]></title>
         <link>http://financialplan.about.com/od/budgeting/l/blfinancial.htm</link>
         <description><![CDATA[One-stop resource for financial planning information]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Overdraft Protection]]></title>
         <link>http://financialplan.about.com/od/banking/a/Overdraft.htm</link>
         <description><![CDATA[What's Your Overdraft Protection Costing You?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Money You&#039;re Entitled To]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/MoneyEntitledTo_2.htm</link>
         <description><![CDATA[Find out if you're one of millions of Americans entitled to receive unclaimed money or property]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[The Best Home Improvements]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/qt/the-best-home-improvements.htm</link>
         <description><![CDATA[If you&amp;#8217;re like most homeowners, you&amp;#8217;ve either thought about or already made some home improvements. For some, this was part of the plan all along. They bought a house that was in need of some improvements so they were able to purchase at a bit of a discount and then put money into the upgrades they wanted. For others, the idea of home improvements came up as a way to increase the value of their home upon resale.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financing a College Education]]></title>
         <link>http://financialplan.about.com/cs/college/a/FinanceCollege.htm</link>
         <description><![CDATA[Financing Your Child's College Education. How to Prepare for the $100,000 Price Tag]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Paying Credit Card Charge-offs]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/f/Chargeoff.htm</link>
         <description><![CDATA[Payment of Charge-off recorded on credit report as a settlement instead of paid as agreed.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Check 21 Law]]></title>
         <link>http://financialplan.about.com/od/banking/a/Check21.htm</link>
         <description><![CDATA[Check 21: The New Banking Law That May Send Your Checks Bouncing]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Find Money to Pay Off Debt]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/qt/FindMoney.htm</link>
         <description><![CDATA[Are you struggling to come up with enough money to pay more than the minimum on your credit card debt? It can certainly seem as if there is never enough money to go around, but you might be surprised where you can find a few extra dollars to apply towards that debt and accelerate the payoff.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[1000 Best Money Secrets]]></title>
         <link>http://financialplan.about.com/od/studentsandmoney/a/1000BestSecrets.htm</link>
         <description><![CDATA[1000 Best Smart Money Secrets for Students book]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bargain Shopping Strategies]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/BargainShopping_3.htm</link>
         <description><![CDATA[Save money by knowing what items traditionally go on sale each month of the year]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Individual Insurance Policies]]></title>
         <link>http://financialplan.about.com/od/insurance/a/InsuranceTypes.htm</link>
         <description><![CDATA[If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Everything Personal Finance in Your 20s and 30s]]></title>
         <link>http://financialplan.about.com/cs/bookstore/l/aaEverythingPF.htm</link>
         <description><![CDATA[Erase your debt, personalize your budget, and plan now to secure your future with Everything Personal Finance in Your 20s and 30s]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Bankruptcy Works]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/Bankruptcy.htm</link>
         <description><![CDATA[Bankruptcy - How It Works and How to Prevent It]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Planning for the Future]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/PlanforFuture.htm</link>
         <description><![CDATA[When it comes to planning for the future, most people think of retirement. Retirement planning is important because it allows you to do the things that you were unable to do while working&amp;#8212;travel, start a business, go back to school, be closer to family, or simply relax. Because retirement is such an important phase in your life, careful planning is a must.]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Save Money On Gas]]></title>
         <link>http://financialplan.about.com/cs/cars/a/SaveGas.htm</link>
         <description><![CDATA[13 Ways To Significantly Reduce Your Gas Costs and Save Money]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budget Isn&#039;t a Bad Word]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/a/budgetbad.htm</link>
         <description><![CDATA[When you hear the word &amp;#8220;budget&amp;#8221;, what does it mean do you? If you&amp;#8217;re like most people, you probably think of it as an unpleasant activity that means you have to financially deprive yourself. This couldn&amp;#8217;t be further from the truth, yet this is the typical reason that most budgets fail.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Stay At Home Parenting]]></title>
         <link>http://financialplan.about.com/od/couplesfamilies/a/StayAtHome.htm</link>
         <description><![CDATA[One of the big questions many new parents are faced with has to do with deciding whether or not one of the parents should stay home with the child. Obviously, if you&amp;#8217;re accustomed to living on dual incomes, the thought of giving up an income may sound like a daunting task. Even so, if you sit down and crunch the numbers, you may find that it might be more doable than you thought.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Dollars and Sense for Kids]]></title>
         <link>http://financialplan.about.com/cs/moneyforyouth/a/MoneyKids.htm</link>
         <description><![CDATA[Teaching your kids about money to help them grow up to be financially savvy adults]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tax-Equivalent Yield]]></title>
         <link>http://financialplan.about.com/od/personalfinance/qt/tax-equivalent.htm</link>
         <description><![CDATA[When investors are looking for safer investments that generate income, most think about bonds. There are many types of bonds, from corporate, government, and municipal bonds.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Prepare for Falling Rates]]></title>
         <link>http://financialplan.about.com/od/savingmoney/a/lowerinterest.htm</link>
         <description><![CDATA[Interest rates play an important role in not only the economy, but your personal finances as well. The Federal Reserve regularly monitors economic conditions and has the ability to raise or lower key interest rates that trickle down and affect everything right down to your savings account. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[5 Ways to Save on Gas]]></title>
         <link>http://financialplan.about.com/od/savingmoney/qt/saveongas.htm</link>
         <description><![CDATA[Make no bones about it, gasoline is expensive and it isn&amp;#8217;t getting any cheaper. You don&amp;#8217;t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Using a Broker]]></title>
         <link>http://financialplan.about.com/od/startinvesting/a/Brokerages.htm</link>
         <description><![CDATA[Should you use a Stockbroker or make your own investment decisions? Advice on how to decide, and how to choose and use a broker.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Credit and Debt 101]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/tp/credit-debt-101.htm</link>
         <description><![CDATA[Credit cards and other forms of debt can be an essential part of your financial toolbox, but you must exercise care when using credit and taking on debt. Find out the difference between good debt and bad debt, and learn how to establish credit and maintain a good credit score.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Student Credit Cards]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/StudentCredit.htm</link>
         <description><![CDATA[Credit card debt is a major problem, and every year millions of people find themselves in over their head. Interest rates rise, payments get missed, and credit scores are trashed. While credit card debt can be financially devastating, credit plays an important role in our lives. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Debtors Anonymous Can Help]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/qt/DebtAnonymous.htm</link>
         <description><![CDATA[Even with all of the advice and information available to help people break their overspending habits, for some, this desire to spend and rack up insurmountable debt becomes a serious problem that overtakes other aspects of their lives. As with any addiction, this can negatively affect your performance at work, quality of life, and relationships with family and friends. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Top Money Tips for Women]]></title>
         <link>http://financialplan.about.com/od/womenandfinances/a/TipsForWomen.htm</link>
         <description><![CDATA[Top Ten Money Tips for Women]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Insurance Basics]]></title>
         <link>http://financialplan.about.com/od/insurance/tp/insurancebasics.htm</link>
         <description><![CDATA[You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren&amp;#8217;t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[EE Savings Bond Changes]]></title>
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         <description><![CDATA[The federal government has changed Series EE savings bonds, and it's not for the better. Find out about the changes and alternatives to Series EE bonds.]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[529 Plans]]></title>
         <link>http://financialplan.about.com/od/savingforcollege/a/529plans.htm</link>
         <description><![CDATA[Section 529 plans are a relatively new college savings vehicle that can make saving for college even easier.]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Summer Saving Tips]]></title>
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         <description><![CDATA[You can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money. Here are some things to try during those warm months.]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Beware Home Equity Loans]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/HomeEquityLoans.htm</link>
         <description><![CDATA[Home Equity Loans: Look Before You Leap. Things to Consider Before Taking Out a Home Equity Loan]]></description>
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         <dc:date>2010-02-09T10:28:03Z</dc:date>
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         <item>
         <title><![CDATA[Bear Market Investing]]></title>
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         <description><![CDATA[The idea of investing is to make your money grow, but there are times when the stock market doesn&amp;#8217;t want cooperate. Regular market fluctuations are common and expected, but extended periods of decline can strike fear in even seasoned investors. These bear markets can last months or even years. So, what should you do when faced with a bear market?]]></description>
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         <item>
         <title><![CDATA[Are You Ready to Buy a House?]]></title>
         <link>http://financialplan.about.com/od/mortgagesandloans/a/ReadytoBuyHouse.htm</link>
         <description><![CDATA[Are You Ready to Buy a House? The financial questions you must ask yourself before makihg a decision to buy a house.]]></description>
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         <item>
         <title><![CDATA[Save Money on Bank Fees]]></title>
         <link>http://financialplan.about.com/cs/saving/a/SaveOnBanking.htm</link>
         <description><![CDATA[Money Saving Tips About Banking Save You Hundreds of Dollars a Year]]></description>
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