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   <title>About.com Financial Planning: What's Hot Now</title>
   <link>http://financialplan.about.com/</link>
   
   <description>These articles that had the largest increase in popularity over the last week</description>
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   <dc:date>2009-11-07T10:03:32Z</dc:date>

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         <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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[College Student Mistakes]]></title>
         <link>http://financialplan.about.com/od/students/a/college-student-money-mistakes.htm</link>
         <description><![CDATA[College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it&amp;#8217;s no wonder that many college students end up making some costly money mistakes.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
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         <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&amp;#8217;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>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tweaking My Budget]]></title>
         <link>http://financialplan.about.com/ub/11/a/000010.htm</link>
         <description><![CDATA[Tweaking My Budget]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[All About Financial Planning]]></title>
         <link>http://financialplan.about.com/od/budgeting/l/blfinancial.htm</link>
         <description><![CDATA[One-stop resource for financial planning information]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Guilt-free Budgeting]]></title>
         <link>http://financialplan.about.com/cs/budgeting/a/GuiltFreeBudget_2.htm</link>
         <description><![CDATA[How to achieve guilt-free budgeting and take control of your finances]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bear Market Strategies]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/BearMarketTips.htm</link>
         <description><![CDATA[Bear markets present a challenge to even the savviest investors. It doesn&amp;#8217;t matter if you have $1,000 in the market or $1 million, losing money hurts. It is during these declining markets your patience will be tested. If fear sets in, you might consider bailing out on your investment plan completely, which can do more damage than anything else.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Maintaining Health Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/conthealthcare.htm</link>
         <description><![CDATA[If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you&amp;#8217;re generally only paying a portion of the total premium in a large group plan. So, what happens when you are no longer employed and eligible for these benefits?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[COBRA Premium Reduction]]></title>
         <link>http://financialplan.about.com/od/insurance/qt/COBRA-premium-reduction-2009.htm</link>
         <description><![CDATA[What happens if you lose your job which also provided your health insurance benefits? This is not an uncommon problem as health insurance in this country is largely tied to employment. So, what can you do? Luckily, there is some assistance available. It&amp;#8217;s called COBRA.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Individual Insurance Policies]]></title>
         <link>http://financialplan.about.com/od/insurance/a/InsuranceTypes.htm</link>
         <description><![CDATA[If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Insurance Basics]]></title>
         <link>http://financialplan.about.com/od/insurance/tp/insurancebasics.htm</link>
         <description><![CDATA[You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren&amp;#8217;t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-11-07T10:03:32Z</dc:date>
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