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   <title><![CDATA[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:creator>financialplan.guide@about.com</dc:creator>
   <dc:date>2012-05-20T11:09:18Z</dc:date>

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         <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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Can You Afford to Stay at Home?]]></title>
         <link>http://financialplan.about.com/od/couplesfamilies/a/Can-You-Afford-to-be-a-Stay-at-Home-Parent.htm</link>
         <description><![CDATA[In the modern world most of us feel that it takes two incomes to make ends meet. This has put a tremendous burden on new parents as they struggle with the decision of staying home with the children or going back to work and paying for daily child care.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[net_worth]]></title>
         <link>http://financialplan.about.com/lw/Business-Finance/Personal-finance/Net-Worth.htm</link>
         <description><![CDATA[Net worth is a measure of the basic monetary value of a business or an individual. It is figured by subtracting the total dollar amount of all liabilities from the total value of all assets.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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&#8217;t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Get Next Year&#039;s Tax Refund Now]]></title>
         <link>http://financialplan.about.com/od/taxesandtaxplanning/a/GetTaxRefundNow.htm</link>
         <description><![CDATA[Get Next Year's Income Tax Refund Now]]></description>
         <guid isPermaLink="true">http://financialplan.about.com/od/taxesandtaxplanning/a/GetTaxRefundNow.htm</guid>
         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Banks and Financial Institutions]]></title>
         <link>http://financialplan.about.com/cs/bankin1/index.htm</link>
         <description><![CDATA[Here you'll find links to Canada's banks, credit unions and trust companies.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[College Students and Money]]></title>
         <link>http://financialplan.about.com/od/students/a/College-Students-And-Money.htm</link>
         <description><![CDATA[College living is an exciting and challenging undertaking for most students. Moving away from mom and dad, living on your own and making decisions for yourself and having to manage your own finances are just a few of the roadblocks you will be facing.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Using a Broker]]></title>
         <link>http://financialplan.about.com/od/startinvesting/a/Brokerages.htm</link>
         <description><![CDATA[Should you use a Stockbroker or make your own investment decisions? Advice on how to decide, and how to choose and use a broker.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Investing With Little Money]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/start-investing-with-very-little-money.htm</link>
         <description><![CDATA[Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn&#8217;t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here&#8217;s how.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Should You Co-Sign a Loan?]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/Should-You-Co-Sign-A-Loan.htm</link>
         <description><![CDATA[One of the favors that might be asked of you at one point is to co-sign on a loan. Whether your child is asking for help getting his or her first credit card, or whether a friend needs a co-signer for a car loan, you might be asked to help out. Before you co-sign a loan, though, you need to consider the pros and cons associated with taking on this responsibility.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>2012-05-20T11:09:18Z</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>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Tax Refund Anticipation Loans]]></title>
         <link>http://financialplan.about.com/od/taxplanning/a/Tax-Refund-Anticipation-Loans.htm</link>
         <description><![CDATA[A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return. A tax refund anticipation loan can be approved in a manner of minutes and the money accessible within a day or two]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Your FICO Credit Score]]></title>
         <link>http://financialplan.about.com/od/creditdebtmanagement/a/FICO-Credit-Score.htm</link>
         <description><![CDATA[You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person&#8217;s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Biggest Money Mistakes]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/a/MoneyMistakes_2.htm</link>
         <description><![CDATA[Examples of Saving Big Money On Your Mortgage]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Personal Financial Plan]]></title>
         <link>http://financialplan.about.com/od/personalfinancebasics/ss/FinancialPlan_3.htm</link>
         <description><![CDATA[How to design a personal financial plan to reach your financial goals]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Teens Can Make Money]]></title>
         <link>http://financialplan.about.com/od/students/a/Jobs-For-Teens-To-Make-Money.htm</link>
         <description><![CDATA[Some teens want to work right out of the gate, but in many cases you&#8217;ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Budgeting]]></title>
         <link>http://financialplan.about.com/msubbudg.htm</link>
         <description><![CDATA[Budgeting information, advice, tips, and resources to help you set up a successful budget and stay motivated]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Save on Your Wedding]]></title>
         <link>http://financialplan.about.com/od/planningforlifestages/a/saveonwedding.htm</link>
         <description><![CDATA[According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn&#8217;t have to be so painful. There are many steps you can take to make sure that you&#8217;re getting the most bang for your buck when planning that special day.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Bi-Weekly Mortgage Payments]]></title>
         <link>http://financialplan.about.com/od/realestatemortgages/qt/Bi-Weekly-Mortgage.htm</link>
         <description><![CDATA[Chances are that if you have a mortgage currently you&#8217;re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it&#8217;s easy to budget for. ]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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>2012-05-20T11:09:18Z</dc:date>
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         <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>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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&#8217;t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don&#8217;t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</dc:date>
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         <item>
         <title><![CDATA[Budgeting 101]]></title>
         <link>http://financialplan.about.com/od/budgetingyourmoney/tp/budgeting-101.htm</link>
         <description><![CDATA[Budgeting lies at the foundation of every financial plan. It doesn&#8217;t matter if you&#8217;re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn&#8217;t all about restricting what you spend money on and cutting out all the fun in your life.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2012-05-20T11:09:18Z</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&#8217;t have the time or have a complicated situation that may need the assistance of a finance professional.]]></description>
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         <dc:subject>money</dc:subject>
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