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   <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>Mon, 06 Oct 2008 10:26:31 +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[asic Budget Worksheet]]></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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetingyourmoney/ht/createbudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[All About Personal Budgets]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/Budgeting101.htm</link>
         <description><![CDATA[A One-stop Guide to Budgeting Advice and Budget Worksheets]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/Budgeting101.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Your FICO Credit Score]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/FICOCreditScore.htm</link>
         <description><![CDATA[Your FICO credit score determines your ability to borrow money and affects you in other ways that may surprise you]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/FICOCreditScore.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;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&#146;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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[1st Step in Asking for a Raise]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/HowToGetRaise.htm</link>
         <description><![CDATA[Important advice on how to get a pay raise]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/HowToGetRaise.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#146;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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Eliminate Credit Card Debt]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/a/EliminateCCDebt.htm</link>
         <description><![CDATA[The Fastest Way To Eliminate Credit Card Debt - How to eliminate credit card debt before it threatens your financial health]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditcarddebt/a/EliminateCCDebt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#146;ve set up an automatic savings program and you&#146;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>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/wheretokeepsave.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Your Debt To Income Ratio]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/DebtIncomeRatio.htm</link>
         <description><![CDATA[Do you have too much debt? Calculate your debt to income ratio to find out.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/DebtIncomeRatio.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Plan an Affordable Wedding]]></title>
         <link>http://financialplan.about.com/cs/singlesandmoney/a/WedAffordably.htm</link>
         <description><![CDATA[Plan an affordable, memorable wedding without going into debt or breaking the bank]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/singlesandmoney/a/WedAffordably.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Personal Finance Software ]]></title>
         <link>http://financialplan.about.com/od/software/tp/MoneySoftware.htm</link>
         <description><![CDATA[Top picks for personal finance software programs]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/software/tp/MoneySoftware.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/TopTenMoneyTips.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bi-weekly Mortgage Payments]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/BiWeekMortgage.htm</link>
         <description><![CDATA[Bi-weekly Mortgage Payments: Save Tens of Thousands of Dollars on Your Mortgage But Avoid the Scams]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/a/BiWeekMortgage.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Secret to Budgeting]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/SecretBudget.htm</link>
         <description><![CDATA[The secret to budgeting successfully]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/SecretBudget.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/studentsandmoney/a/TeensMakeMoney.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#146;t have the time or have a complicated situation that may need the assistance of a finance professional.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/choosingaplan.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#146;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>2008-10-06T10:26:31+0000</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]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneytools/l/aatpbooks.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[401(k) Plans]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/a/whatis401k.htm</link>
         <description><![CDATA[Don&#146;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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Itemize Deductions]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/Itemize.htm</link>
         <description><![CDATA[Reduce Your Income Taxes by Itemizing Deductions]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/Itemize.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bear Market Investing]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/BearInvesting.htm</link>
         <description><![CDATA[The idea of investing is to make your money grow, but there are times when the stock market doesn&#146;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>
         <guid isPermaLink="true">http://financialplan.about.com/od/personalfinance/a/BearInvesting.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#146;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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Contact the IRS]]></title>
         <link>http://financialplan.about.com/cs/taxes/a/HowToContactIRS.htm</link>
         <description><![CDATA[How to contact the IRS by telephone, mail, the internet, or fax]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/taxes/a/HowToContactIRS.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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 &#147;budget&#148;, what does it mean do you? If you&#146;re like most people, you probably think of it as an unpleasant activity that means you have to financially deprive yourself. This couldn&#146;t be further from the truth, yet this is the typical reason that most budgets fail.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgetingyourmoney/a/budgetbad.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Planning - HowTos]]></title>
         <link>http://financialplan.about.com/cs/ht.htm</link>
         <description><![CDATA[An index of HowTos for the Financial Planning guide site.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/ht.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Planning - QuickTips]]></title>
         <link>http://financialplan.about.com/cs/qt.htm</link>
         <description><![CDATA[An index of QuickTips for the Financial Planning guide site.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/qt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[FDIC]]></title>
         <link>http://financialplan.about.com/od/savingmoney/p/FDIC.htm</link>
         <description><![CDATA[FDIC stands for the Federal Deposit Insurance Corporation.  The FDIC was created back in 1933 in response to the many bank failures during the Great Depression.  Prior to FDIC, if you had deposits at a bank, and the bank failed, you lost your money. Now, if you have deposits in an FDIC insured account, this government agency guarantees those deposits. ]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/p/FDIC.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Invest Small Amounts of Money]]></title>
         <link>http://financialplan.about.com/cs/beginnerinvestors/a/DirectInvesting.htm</link>
         <description><![CDATA[Start Investing With Very Small Amounts of Money Using Direct Purchase Plans]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/beginnerinvestors/a/DirectInvesting.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/Bankruptcy.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/realestatemortgages/a/savedownpmt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[College Credit Crisis]]></title>
         <link>http://financialplan.about.com/od/moneyandcollegestudents/a/CollegeCredit.htm</link>
         <description><![CDATA[College Credit Crisis: Students Can Avoid Piling Up Debt in College]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneyandcollegestudents/a/CollegeCredit.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/financialtools/tp/topmoneysoftware.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/qt/DebtAnonymous.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/budgeting/l/blfinancial.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[EE Savings Bond Changes]]></title>
         <link>http://financialplan.about.com/od/stocksbondsmutualfunds/a/EEBondsChange.htm</link>
         <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>
         <guid isPermaLink="true">http://financialplan.about.com/od/stocksbondsmutualfunds/a/EEBondsChange.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save Money on Credit Cards]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/101CreditCard.htm</link>
         <description><![CDATA[Save money on your credit card expenses with these money-saving tips]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/101CreditCard.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[College Money Mistakes]]></title>
         <link>http://financialplan.about.com/od/moneyandcollegestudents/a/CollegeMistakes.htm</link>
         <description><![CDATA[Top Five Money Mistakes Made By College Students]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/moneyandcollegestudents/a/CollegeMistakes.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Are Budgets for Sissies?]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/BudgetsSissies.htm</link>
         <description><![CDATA[Do budgets really work? Find out how an average family with kids and debt amassed a fortune]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/budgeting/a/BudgetsSissies.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Private Mortgage Insurance]]></title>
         <link>http://financialplan.about.com/cs/mortgagesloans/a/CancelPMI.htm</link>
         <description><![CDATA[Save Thousands by Cancelling Private Mortgage Insurance]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/a/CancelPMI.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditdebtmanagement/qt/FindMoney.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing Health Insurance]]></title>
         <link>http://financialplan.about.com/cs/insuranc1/a/HealthInsurance.htm</link>
         <description><![CDATA[Choosing Health Insurance - Striking a Balance Between Quality of Care and Your Wallet]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/insuranc1/a/HealthInsurance.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[What Are Bonds?]]></title>
         <link>http://financialplan.about.com/od/stocksbondsmutualfunds/a/WhatAreBonds.htm</link>
         <description><![CDATA[What are bonds? A simple explanation of bonds and how they work.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/stocksbondsmutualfunds/a/WhatAreBonds.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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&#151;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>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/a/PlanforFuture.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/mortgagesloans/l/aaclosingcosts.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Dumb Ways to Pay Debt      ]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/a/DumbWaysDebt.htm</link>
         <description><![CDATA[Debt Payment Methods You Should Avoid]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditcarddebt/a/DumbWaysDebt.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/cars/a/SaveGas.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[A Car or a House?]]></title>
         <link>http://financialplan.about.com/cs/realestate/a/CarOrHouse.htm</link>
         <description><![CDATA[Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/realestate/a/CarOrHouse.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Starting Your Own Business]]></title>
         <link>http://financialplan.about.com/cs/smallbusinesses/a/BeOwnBoss.htm</link>
         <description><![CDATA[So You Want To Be Your Own Boss? Financial Advice for Starting Your Own Business]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/smallbusinesses/a/BeOwnBoss.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/investing/a/WhatIsStock.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[New Bankruptcy Law]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/BankruptcyLaw.htm</link>
         <description><![CDATA[Important provisions of the new bankruptcy law, which makes it harder for some people to erase their debts]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/BankruptcyLaw.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;t getting any cheaper. You don&#146;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>2008-10-06T10:26:31+0000</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&#146;t afford to pay your taxes can make you feel uneasy, but don&#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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/bookstore/l/aaEverythingPF.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Affluenza: A Disease of Overconsumption]]></title>
         <link>http://financialplan.about.com/library/weekly/aa060901a.htm</link>
         <description><![CDATA[The Epidemic of Affluenza How to Diagnose It. How to Treat It.   Related Resources •  Avoid Bankruptcy]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/library/weekly/aa060901a.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Summer Saving Tips]]></title>
         <link>http://financialplan.about.com/od/savingmoney/qt/summertips.htm</link>
         <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:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Losing Your Job]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/LosingYourJob.htm</link>
         <description><![CDATA[Losing Your Job Without Losing Your Shirt: Be Prepared Without Being Paranoid]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/LosingYourJob.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/FinlSafetyNet.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Jailhouse Jingles]]></title>
         <link>http://financialplan.about.com/od/fraudandfinancialscams/a/JailhouseJingle.htm</link>
         <description><![CDATA[Fraud Center: Jailhouse Jingles Scam Alert]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/fraudandfinancialscams/a/JailhouseJingle.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditcarddebt/f/Chargeoff.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/savingmoney/a/lowerinterest.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/studentsandmoney/a/1000BestSecrets.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Make the Most of Your Paycheck]]></title>
         <link>http://financialplan.about.com/od/planningforlifestages/a/firstpaycheck.htm</link>
         <description><![CDATA[Getting that first job after college or high school is a very exciting, yet stressful event. You&#146;re probably overwhelmed with many new challenges, opportunities, commitments, and have a lot of questions. One of the biggest changes may be in regards to money.]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/planningforlifestages/a/firstpaycheck.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/personalfinance/a/MoneyEntitledTo_2.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/retirementplanning/f/whichIRAisBest.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Warning Signs of Bankruptcy]]></title>
         <link>http://financialplan.about.com/od/creditanddebt/a/Bankruptcy.htm</link>
         <description><![CDATA[Eight Warning Signs That You May Be Headed for Bankruptcy and Eight Tips for Avoiding It]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/creditanddebt/a/Bankruptcy.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/college/a/FinanceCollege.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Using the Net to Manage Debt]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/ManageDebtOnWeb.htm</link>
         <description><![CDATA[Using the Net to Manage Your Debt.The Internet Makes Managing Your Debt Easier Than Ever]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/ManageDebtOnWeb.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Successful Budgeting 101]]></title>
         <link>http://financialplan.about.com/c/ec/1.htm</link>
         <description><![CDATA[How to Budget Successfully]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/c/ec/1.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <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>
         <guid isPermaLink="true">http://financialplan.about.com/cs/saving/a/SaveOnBanking.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;t bound by a landlord&#146;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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/startinvesting/a/Brokerages.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Top Money Issues for Singles]]></title>
         <link>http://financialplan.about.com/cs/singlesandmoney/a/SinglesIssues.htm</link>
         <description><![CDATA[Top Ten Money Issues for Singles: Here's what you need to do to build and protect your financial future]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/singlesandmoney/a/SinglesIssues.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much Life Insurance?]]></title>
         <link>http://financialplan.about.com/od/insurance/a/howmuchlife.htm</link>
         <description><![CDATA[If you don&#146;t have enough life insurance, you could put your family in a difficult situation upon your death, but having too much could mean you are throwing money out the window. So, how much life insurance do you need?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Your Credit Report]]></title>
         <link>http://financialplan.about.com/cs/creditdebt/a/YourCreditRepor.htm</link>
         <description><![CDATA[Your Credit Report:  Why It's Important to Know What's On It and How to Fix Errors]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/cs/creditdebt/a/YourCreditRepor.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save Money on Car Expenses]]></title>
         <link>http://financialplan.about.com/cs/cars/a/101Car.htm</link>
         <description><![CDATA[Save Money On Car Expenses - Buying and Maintaining]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing a Financial Planner]]></title>
         <link>http://financialplan.about.com/cs/fpprofessionals/a/FinlPlanner_2.htm</link>
         <description><![CDATA[Choosing a Financial Planner: How to Find One Near You]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How to Obtain Auto Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/autoinsurance.htm</link>
         <description><![CDATA[Auto insurance is very important and can account for a sizable portion of your monthly budget. Depending on many factors such as how many vehicles you have, your driving record, and age, auto insurance can run into the thousands of dollars per year. Even though the cost of the policy is important, it is also important to make sure you&#146;re adequately covered. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Before Having a Child]]></title>
         <link>http://financialplan.about.com/od/couplesfamilies/a/beforechild.htm</link>
         <description><![CDATA[Becoming a parent is one of the most rewarding things in life, but it does come at a cost. As you prepare to introduce a new child into your family, there are plenty of things you need to consider.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Shop Safely Online]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/a/ShopSafely.htm</link>
         <description><![CDATA[Nine Tips to Shop Safely Online]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <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:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>2008-10-06T10:26:31+0000</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>
         <guid isPermaLink="true">http://financialplan.about.com/od/banking/a/Check21.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Financial Fraud]]></title>
         <link>http://financialplan.about.com/cs/fraud/a/ScamsSchemes.htm</link>
         <description><![CDATA[How to protect yourself from identity theft and other financial fraud]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Annual Financial Checkup]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/a/AnnualCheckup.htm</link>
         <description><![CDATA[How To Do An Annual Financial Checkup]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Finding a Lost Pension]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/qt/lostpension.htm</link>
         <description><![CDATA[t may seem impossible to track down the old pension provider but there is a valuable resource available to the public in the form of the Pension Benefit Guaranty Corporation.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Marriage and Money]]></title>
         <link>http://financialplan.about.com/od/gettingmarried/a/MarriageMoney.htm</link>
         <description><![CDATA[Marriage introduces changes in a new couple&#146;s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship.  Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Choosing  a Credit Counselor]]></title>
         <link>http://financialplan.about.com/od/creditcarddebt/a/ChooseCCS.htm</link>
         <description><![CDATA[How To Choose a Consumer Credit Counseling Agency - Advice from the author of &quot;Credit Repair Kit for Dummies&quot; and President of Money Mangement International Financial Education Foundation]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</dc:date>
         </item>
         
         <item>
         <title><![CDATA[All About Budgets]]></title>
         <link>http://financialplan.about.com/library/weekly/aa053102a.htm</link>
         <description><![CDATA[A one-stop index to budgeting articles and net links]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/library/weekly/aa053102a.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2008-10-06T10:26:31+0000</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&#146;re expecting an income tax refund this year, you&#146;ll want to make sure you put that money to good use. While it can feel like you&#146;re receiving a windfall, remember that this is just excess money that you paid the government. This doesn&#146;t mean you can&#146;t have a little fun, but this money can also provide a great boost to your other financial goals.]]></description>
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