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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>2009-07-04T10:03:34Z</dc:date>

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         <title><![CDATA[Comparing Life Insurance]]></title>
         <link>http://financialplan.about.com/od/insurance/a/Comparing-Life-Insurance.htm</link>
         <description><![CDATA[Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you&#146;re making the best choice?]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Insurance You Don&#039;t Need]]></title>
         <link>http://financialplan.about.com/od/insurance/a/insuredontneed.htm</link>
         <description><![CDATA[There are some types of insurance that you absolutely should have but there are just as many that you are probably better off without. Some of these policies may sound like a good idea when in reality all you are doing is wasting money on the premiums.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[How Much Do I Need to Retire?]]></title>
         <link>http://financialplan.about.com/od/retirementplanning/f/HowMuchToRetire.htm</link>
         <description><![CDATA[This question is frequently asked, but rarely has a definitive answer. The problem is that everyone&#146;s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
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         <item>
         <title><![CDATA[Personal Finance 101]]></title>
         <link>http://financialplan.about.com/od/personalfinance/a/pfinance101.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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
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         <item>
         <title><![CDATA[Get Money You&#039;re Entitled To]]></title>
         <link>http://financialplan.about.com/cs/personalfinance/a/MoneyEntitledTo.htm</link>
         <description><![CDATA[Get Unclaimed Money or Property You're Entitled To]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
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         <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>2009-07-04T10:03:34Z</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&#146;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>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
         </item>
         
         <item>
         <title><![CDATA[Everything Personal Finance in Your 20s and 30s]]></title>
         <link>http://financialplan.about.com/cs/bookstore/l/aaEverythingPF.htm</link>
         <description><![CDATA[Erase your debt, personalize your budget, and plan now to secure your future with Everything Personal Finance in Your 20s and 30s]]></description>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</dc:date>
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         <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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</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>
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         <dc:subject>money</dc:subject>
         <dc:date>2009-07-04T10:03:34Z</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>2009-07-04T10:03:34Z</dc:date>
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