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    <title><![CDATA[Go Banking Rates: Featured Articles]]></title>
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    <description><![CDATA[The latest featured articles on financial news, special rates and personal finance]]></description>
    <pubDate>Fri, 20 Nov 2009 16:58:50 -0600</pubDate>
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      <title><![CDATA[Is a B.A. in Liberal Arts Worth the Student Loan?]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/is-a-ba-in-liberal-arts-worth-the-student-loan/</link>
      <description><![CDATA[Is having a bachelor's degree in liberal arts really worth it despite cost of tuition rising?]]></description>
      <pubDate>Fri, 20 Nov 2009 08:24:48 -0600</pubDate>
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    <item>
      <title><![CDATA[Merit Pay Increases, Jobs to Return in 2010]]></title>
      <link>http://www.gobankingrates.com/merit-pay-increases-jobs-to-return-in-2010/</link>
      <description><![CDATA[2009 wasn't a great year overall for the job market, however, things seem to be brightening up for 2010. According to a poll, by the Hewitt Associates jobs are returning in 2010 and raises to be increased as well.]]></description>
      <pubDate>Fri, 20 Nov 2009 07:00:58 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[10 Things You Can Do with Your Upcoming Bonus]]></title>
      <link>http://www.gobankingrates.com/savings-account/top-10-things-you-can-do-with-that-upcoming-bonus/</link>
      <description><![CDATA[
You've just received news that you'll actually be getting your year-end bonus check. Your first instinct is probably to run out and buy as much as you can as soon as you receive the check, but believe it or not, there are more responsible ways to handle ...]]></description>
      <pubDate>Thu, 19 Nov 2009 07:52:34 -0600</pubDate>
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    <item>
      <title><![CDATA[New Checking Account Rate Caps Imposed]]></title>
      <link>http://www.gobankingrates.com/banking/checking-accounts/new-checking-account-rate-caps-imposed/</link>
      <description><![CDATA[The government has been cracking down on banks that have not been complying with checking account rate caps, so if your checking account rate has been slashed overnight that could be the reason why.]]></description>
      <pubDate>Thu, 19 Nov 2009 07:00:46 -0600</pubDate>
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    <item>
      <title><![CDATA[Gift Card Provisions Proposed for Credit CARD Act]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/gift-card-provisions-proposed-for-credit-card-act/</link>
      <description><![CDATA[If the proposal on the Credit Card Act is accepted by congress, there will be a number of new restrictions placed on gift card fees.]]></description>
      <pubDate>Thu, 19 Nov 2009 07:00:43 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Looking for a New Car? Black Friday May be Your Lucky Day]]></title>
      <link>http://www.gobankingrates.com/auto-loans/looking-for-a-new-car-black-friday-may-be-your-lucky-day/</link>
      <description><![CDATA[Black Friday - the day after Thanksgiving - is the best day to get great deals, so for those looking for that brand new car, it's a good time to search for local auto car dealerships to find the greatest car loan rate or even car discounts of the year.]]></description>
      <pubDate>Wed, 18 Nov 2009 14:17:17 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Need Extra Cash? Be Careful Where You Get Your Personal Loan]]></title>
      <link>http://www.gobankingrates.com/loans/personal-loans/finding-the-best-interest-rates-on-your-personal-loan/</link>
      <description><![CDATA[
When it comes to finding the right personal loan, the bottom line for most people is going to be a favorable low interest rate. However, individual circumstances vary, and sometimes a person will need a loan sooner than a traditional lender can give it, ...]]></description>
      <pubDate>Wed, 18 Nov 2009 07:00:09 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[HSBC Finance Sells Its Auto Loan Business]]></title>
      <link>http://www.gobankingrates.com/auto-loans/hsbc-finance-sells-its-auto-loan-business/</link>
      <description><![CDATA[Announcements have been made that HSBC plans on selling their auto loan business, how is this going to affect the average consumer? ]]></description>
      <pubDate>Tue, 17 Nov 2009 10:29:22 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Communities Taking Advantage of Foreclosed Homes]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/flipping-houses-into-public-housing/</link>
      <description><![CDATA[
The housing market has been in a lot of trouble since it crashed in 2008. With millions of workers losing their jobs and homeowners going into foreclosure at every turn, many neighborhoods were left all but vacant.
The government responded to the trouble...]]></description>
      <pubDate>Tue, 17 Nov 2009 07:30:46 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Save on Your Holiday Shopping]]></title>
      <link>http://www.gobankingrates.com/savings-account/planning-for-the-holidays-tips-for-saving-on-gifts/</link>
      <description><![CDATA[
Thanksgiving through New Year's day marks the traditional American holiday season. For many, that time is stressful because of the expenses associated with the celebrations.If you are old enough to realize that Santa Claus is not real and it is up to you...]]></description>
      <pubDate>Mon, 16 Nov 2009 07:05:52 -0600</pubDate>
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      <title><![CDATA[Report Shows Americans Not Interested in Paying Down U.S. Debt]]></title>
      <link>http://www.gobankingrates.com/savings-account/report-shows-americans-not-interested-in-paying-down-us-debt/</link>
      <description><![CDATA[Recently, CNNMoney.com asked Americans if they would be interested in helping to pay down the national debt, and the answer seemed to be a resounding "No!" 
However, there is indeed a $12 trillion debt to pay down, and Uncle Sam is looking for Americans t...]]></description>
      <pubDate>Mon, 16 Nov 2009 04:17:41 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Where are the Jobs? An Infographic]]></title>
      <link>http://www.gobankingrates.com/savings-account/where-are-the-jobs-an-infographic/</link>
      <description><![CDATA[The unemployment rate is hovering just below the double digit mark, despite all the reports of the recession being over and the economy turning around. People are still getting laid off and they're still having a hard time finding work.
Yet, there are tho...]]></description>
      <pubDate>Fri, 13 Nov 2009 07:13:23 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Keep Your Holiday Meal Under Budget]]></title>
      <link>http://www.gobankingrates.com/savings-account/planning-for-the-holidays-the-price-of-foods-compared/</link>
      <description><![CDATA[
With unemployment rates at record highs and money not growing on trees, celebrating the holidays on a budget is the goal of most Americans.
One of the biggest expenses of holiday celebrations is the cost of food. Generally, the turkey isthe biggest expen...]]></description>
      <pubDate>Thu, 12 Nov 2009 07:54:49 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Parents Dropping Out of 529 College Savings Plan]]></title>
      <link>http://www.gobankingrates.com/investments/parents-dropping-out-of-529-college-savings-plan/</link>
      <description><![CDATA[The 529 college savings plan that many parents have taken advantage of for years have seen a significant decrease in participation in 2008 and 2009. This comes from Financial Research Corp., a Boston research firm that has been keeping track of the amount...]]></description>
      <pubDate>Thu, 12 Nov 2009 07:14:35 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[More Employers Seeking Temporary Help]]></title>
      <link>http://www.gobankingrates.com/savings-account/more-employers-seeking-temporary-help/</link>
      <description><![CDATA[While companies are still letting employees go by the thousands and unemployment continues to increase, there is one bright spot on the job front: temporary employment.
According to recent information released by the Labor Department, temporary help servi...]]></description>
      <pubDate>Wed, 11 Nov 2009 08:32:04 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Members Advantage Credit Union Offers 1.66% APY Savings Rate]]></title>
      <link>http://www.gobankingrates.com/savings-account/members-advantage-credit-union-offers-166-apy-savings-rate/</link>
      <description><![CDATA[Indiana residents could benefit from a 1.66% APY for balances of $100,000 and over on the Advantage Savings Account from Members Advantage Credit Union. Here is a full list of the account's rate tiers:

1.66% APY - $100,000 and over
1.41% APY - $50,000 - ...]]></description>
      <pubDate>Wed, 11 Nov 2009 08:26:57 -0600</pubDate>
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    <item>
      <title><![CDATA[Decorating for the Holidays on a Budget]]></title>
      <link>http://www.gobankingrates.com/savings-account/planning-for-the-holidays-best-holiday-savings-accounts/</link>
      <description><![CDATA[
There is nothing like celebrating the holidays with friends and family. When it comes down to it, it is the conversation, act of celebration and general merriment that makes this time of year most memorable.
Regardless of what your plans are for the big ...]]></description>
      <pubDate>Wed, 11 Nov 2009 07:34:56 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Fannie Mae is Offering Rental Options to Owners in Foreclosure]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/foreclosure/fannie-mae-offering-rental-options-to-owners-in-foreclosure/</link>
      <description><![CDATA[Homeowners in foreclosure may be able to take advantage of a special program Fannie Mae is initiating to help its customers to stay in their homes by renting. Known as the "Deed for Lease" program, homeowners who don't qualify for loan modifications are allowed to transfer their property to Fannie Mae in exchange for a lease.]]></description>
      <pubDate>Tue, 10 Nov 2009 07:00:44 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Unemployment Tops 10% as Greenspan Predicted]]></title>
      <link>http://www.gobankingrates.com/unemployment-tops-10-as-greenspan-predicted/</link>
      <description><![CDATA[Not long ago, Federal Reserve Chairman Alan Greenspan predicted that unemployment would top 10 percent - it looks like his prediction just came true. According to government report released Friday, Nov. 6, 2009, the unemployment rate has reached 10.2 percent in Oct. 2009, which is the first time this rate has topped 10 percent since April 1983.]]></description>
      <pubDate>Mon, 09 Nov 2009 07:43:28 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Law Given New Effective Date to Stop Unfair Practices]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/credit-card-law-given-new-effective-date-to-stop-unfair-practices/</link>
      <description><![CDATA[The House of Representatives passed a bill to move up the effective date for the new credit card law to Dec. 1, 2009. The original effective date was August 2010, which then moved to February, before this new bill was passed because lawmakers sensed that credit card companies were conducting unfair practices since they knew they would soon be restricted by the law.]]></description>
      <pubDate>Fri, 06 Nov 2009 07:00:46 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Text Messages in Developing Countries Boost Savings  Could it Work in the U.S.?]]></title>
      <link>http://www.gobankingrates.com/savings-account/text-messages-in-developing-countries-boosts-savings-could-it-work-in-the-us/</link>
      <description><![CDATA[A new study has found that sending people cellphone reminders via text messaging has helped increase savings balances by 6 percent. The study was conducted at Dartmouth University and looked at the difference it made to be reminded that you need to save your money.]]></description>
      <pubDate>Thu, 05 Nov 2009 07:00:58 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Paying Off Your Credit Cards Can Wreck Your Credit]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/paying-off-your-credit-cards-can-wreck-your-credit/</link>
      <description><![CDATA[ 
Actions taken by credit card companies have shocked consumers and lawmakers alike for years. They have a history of raising interest rates, adding high fees and penalties, and even participating in financial profiling.
However, some consumers with great...]]></description>
      <pubDate>Wed, 04 Nov 2009 09:24:38 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[First-Time Homebuyer Credit May Receive Much-Anticipated Extension]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/first-time-homebuyer-credit-may-receive-much-anticipated-extension/</link>
      <description><![CDATA[Those who have yet to take advantage of the hefty $8,000 First-Time Homebuyer Credit may have more time than they think to get in on the action.]]></description>
      <pubDate>Wed, 04 Nov 2009 07:00:16 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Keys to Financial Success in Your Early 20s]]></title>
      <link>http://www.gobankingrates.com/savings-account/keys-to-financial-success-in-your-early-20s/</link>
      <description><![CDATA[
(Photo by Phoney Nickle at flickr)
When you are in your early 20s, the idea of financial planning may seem overwhelming, even impossible.
Chances are, you are working at an entry-level job and struggling to make even your basic expenses, such as grocerie...]]></description>
      <pubDate>Tue, 03 Nov 2009 11:34:04 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[White House Says Stimulus Created 640,000 Jobs. Where Are They?]]></title>
      <link>http://www.gobankingrates.com/white-house-says-stimulus-created-640-000-jobs-where-are-they/</link>
      <description><![CDATA[According to White house reps, the $787 billion stimulus package has created or saved around 640,000 as of October 30, 2009. While these numbers sound promising, they don't seem to reflect the continuous rise in unemployment that we see with our eyes every day. Of course, this doesn't mean what the White House says isn't true. Maybe it just needs a little bit more analysis.]]></description>
      <pubDate>Tue, 03 Nov 2009 07:00:00 -0600</pubDate>
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    <item>
      <title><![CDATA[Like it or Not, Americans Are Cashing Out Their 401(k)s]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/like-it-or-not-americans-are-cashing-out-their-401ks/</link>
      <description><![CDATA[Suze Orman is probably shooting out expletives at every turn with recent news that nearly half of unemployed Americans are withdrawing funds from their 401(k) plans.]]></description>
      <pubDate>Mon, 02 Nov 2009 16:46:49 -0600</pubDate>
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    <item>
      <title><![CDATA[Mortgage Demand Drops Again ... Why?]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/mortgage-demand-drops-again-why/</link>
      <description><![CDATA[Seasonally-adjusted mortgage applications dropped 12.3 percent in the week ending Oct. 23, 2009 from the week prior while refinancing applications dropped 16.2 percent, according to the Mortgage Bankers Association (MBA). These numbers have dropped for several weeks - right alongside mortgage interest rates (30-year fixed mortgages are roughly 5.03 percent). This makes you wonder why the demand for homes is dropping if the interest rates are so attractive.]]></description>
      <pubDate>Fri, 30 Oct 2009 07:00:57 -0500</pubDate>
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    <item>
      <title><![CDATA[The National Debt Nears Its Ceiling]]></title>
      <link>http://www.gobankingrates.com/debt/the-national-debt-nears-its-ceiling/</link>
      <description><![CDATA[The Treasury Department recently reported that the United States debt is dangerously close to reaching its self-imposed limit of $12.1 trillion dollars. Currently, we are only $211 billion shy of reaching the ceiling with an increase rate of nearly $3.8 billion per day. What is the Treasury going to do?]]></description>
      <pubDate>Thu, 29 Oct 2009 07:00:28 -0500</pubDate>
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    <item>
      <title><![CDATA[Is the Next Bank Failure Trend on the Horizon?]]></title>
      <link>http://www.gobankingrates.com/banking/has-the-financial-crisis-ignited-the-next-bank-failure-trend/</link>
      <description><![CDATA[It has become apparent that someone sent a memo to banks to help reignite a bank failure trend that had slowed for nearly 20 years. The proof is in the pudding with Friday's 106th bank closure (along with six others in the same day), which by far makes the highest number of yearly closures since 1992.]]></description>
      <pubDate>Wed, 28 Oct 2009 13:07:07 -0500</pubDate>
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      <title><![CDATA[Additional Child Tax Credit For Low Income Parents]]></title>
      <link>http://www.gobankingrates.com/additional-child-tax-credit-for-low-income-parents/</link>
      <description><![CDATA[You probably know about the Child Tax Credit, but you might not be aware of additional tax relief that is currently being provided to low income parents with more than two children.]]></description>
      <pubDate>Wed, 28 Oct 2009 10:01:50 -0500</pubDate>
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    <item>
      <title><![CDATA[Planning a Vacation for Your Big Family]]></title>
      <link>http://www.gobankingrates.com/planning-vacation-big-family/</link>
      <description><![CDATA[Having a large family is great, but when it comes to vacation time, planning for the whole family presents its own challenges. ]]></description>
      <pubDate>Wed, 28 Oct 2009 09:54:32 -0500</pubDate>
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    <item>
      <title><![CDATA[The Earned Income Tax Credit (EITC)]]></title>
      <link>http://www.gobankingrates.com/earned-income-tax-credit-eitc/</link>
      <description><![CDATA[Did you know you can get a federal income tax credit just for working? The Earned Income Tax Credit (or EITC) is a special federal income tax credit that is available to low to moderate income working individuals and families.]]></description>
      <pubDate>Tue, 27 Oct 2009 10:12:41 -0500</pubDate>
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    <item>
      <title><![CDATA[Dependent Care Tax Credit]]></title>
      <link>http://www.gobankingrates.com/dependent-care-tax-credit/</link>
      <description><![CDATA[If you paid someone to provide daycare or child care services for your dependent children, so that you or your spouse could work or look for work, then you may be entitled to claim the Child and Dependent Care Credit on your federal income tax.]]></description>
      <pubDate>Tue, 27 Oct 2009 09:59:53 -0500</pubDate>
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    <item>
      <title><![CDATA[Budgeting for Youth Lifestyles]]></title>
      <link>http://www.gobankingrates.com/budgeting-for-youth-lifestyles/</link>
      <description><![CDATA[As children, your son or daughter may have had things handed to them, and they will continue to expect that. It's not their fault because that's just the way children are. But when they reach their teen years, this might be the time to let them know that the cell phone, music player, and game systems they are clamoring for doesn't come from a tree in the back yard.]]></description>
      <pubDate>Tue, 27 Oct 2009 09:53:27 -0500</pubDate>
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    <item>
      <title><![CDATA[Why Schumer Doesn't Trust Those Credit Card Companies]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/why-schumer-can-t-trust-those-credit-card-companies/</link>
      <description><![CDATA[Sen. Charles Schumer (D-NY) knows he can't trust those pesky credit card companies, which is why he's pushing to move the new credit card law's effective date up from Feb. 2010.He hopes to get the date moved to Dec. 1, 2009, stopping companies from any attempts to shuck the system before they're legally entitled to do the right thing.]]></description>
      <pubDate>Tue, 27 Oct 2009 08:47:34 -0500</pubDate>
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    <item>
      <title><![CDATA[Your Child And Taxes: The Dependency Exemption]]></title>
      <link>http://www.gobankingrates.com/your-child-and-taxes-the-dependency-exemption/</link>
      <description><![CDATA[When filing tax, in addition to the Child Tax Credit, you may also claim a dependency exemption on your federal income taxes for any child who is living with you, or a dependent relative. As long as your dependent receives at least 50 percent of his or her support from you, and meets certain income requirements, you may claim that person as a dependent.]]></description>
      <pubDate>Mon, 26 Oct 2009 09:57:05 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Home Prices Forecast to Shrink 11%]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/foreclosure/home-prices-forecast-to-shrink-11/</link>
      <description><![CDATA[While home prices have managed to drop considerably over the past year, they are expected to drop even further. According to the financial and analysis firm, Fiserv, the overall national median price is forecast to drop by as much as 11.3 percent by June 30, 2010 in 342 out of 381 markets.]]></description>
      <pubDate>Mon, 26 Oct 2009 09:19:55 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Gearing Up For College: Financial Planning for Your Child's Tuition Costs]]></title>
      <link>http://www.gobankingrates.com/gearing-up-for-college-financial-planning-for-your-childs-tuition-costs/</link>
      <description><![CDATA[Learn more about budgeting for your child's college expenses earlier on.]]></description>
      <pubDate>Sun, 25 Oct 2009 09:50:46 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Financial College Prep: Budgeting for Higher Education Costs]]></title>
      <link>http://www.gobankingrates.com/financial-college-prep-budgeting-for-higher-education-costs/</link>
      <description><![CDATA[Learn more about how you can better prepare yourself for college by budgeting and making wise choices before you get into debt.]]></description>
      <pubDate>Sat, 24 Oct 2009 09:46:39 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Senate Tackles Bank Overdraft Fees ]]></title>
      <link>http://www.gobankingrates.com/banking/senate-tackles-bank-overdraft-fees/</link>
      <description><![CDATA[Congress, like many consumers, is fed up with high bank overdraft fees, so to follow suit with a recent House bill proposal, the Senate is now taking its turn at tackling bank overdraft fees.]]></description>
      <pubDate>Fri, 23 Oct 2009 08:57:16 -0500</pubDate>
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