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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>Sat, 07 Nov 2009 08:00:49 -0600</pubDate>
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      <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>
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    <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>
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    <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>
    </item>
    <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>
    </item>
    <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>
    </item>
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      <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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      <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>
    </item>
    <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>
    </item>
    <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>
    </item>
    <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>
    </item>
    <item>
      <title><![CDATA[Surviving Finance and Stress]]></title>
      <link>http://www.gobankingrates.com/debt/finance-and-stress-bundle/</link>
      <description><![CDATA[
When financial troubles hit you hard, it can be difficult to know how to cope.
You might have creditors calling and sending letters, a mortgage lender asking for your next payment, and the repo guy knocking on your door - all while you have little ones a...]]></description>
      <pubDate>Fri, 23 Oct 2009 07:11:19 -0500</pubDate>
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      <title><![CDATA[Private Student Loans Drying Up, Students Rely on Federal Loans]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/private-student-loans-drying-up-students-rely-on-federal-loans/</link>
      <description><![CDATA[New reports show that students are relying on federal student loans to finance their college tuition as private student loans become more difficult to obtain. The reports, issued by the College Board, show that private loans fell a whopping 52 percent in the 2008-2009 school year as a result of the financial crisis along with tightened credit standards.]]></description>
      <pubDate>Thu, 22 Oct 2009 07:00:16 -0500</pubDate>
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    <item>
      <title><![CDATA[Stories of Getting Out of the Money and Stress Cycle]]></title>
      <link>http://www.gobankingrates.com/debt/finance-and-stress-personal-stories/</link>
      <description><![CDATA[
Nothing can greater illustrate the tough times someone goes through like a personal story.
If you have been in a difficult financial situation - especially one related to debt - you probably have a story of your own. Since debt and how to overcome it is ...]]></description>
      <pubDate>Thu, 22 Oct 2009 03:54:13 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Delivery Room Expenses: Planning Ahead]]></title>
      <link>http://www.gobankingrates.com/delivery-room-expenses-planning-ahead/</link>
      <description><![CDATA[Most couples don't often consider the extra costs associated with delivery rooms - be sure you plan ahead.]]></description>
      <pubDate>Wed, 21 Oct 2009 09:37:45 -0500</pubDate>
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    <item>
      <title><![CDATA[Despite Profits, Employers Not Yet Looking to Hire]]></title>
      <link>http://www.gobankingrates.com/despite-profits-employers-not-yet-looking-to-hire/</link>
      <description><![CDATA[Times are tough for the unemployed, and are looking to get worse before getting better, as employers as a whole are not hiring new employees. ]]></description>
      <pubDate>Wed, 21 Oct 2009 07:00:09 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Tell if Your Friends are Broke]]></title>
      <link>http://www.gobankingrates.com/savings-account/how-to-tell-if-your-friends-are-broke/</link>
      <description><![CDATA[Everyone has been affected by the recession and chances are people, including your friends, are hurting worse that you think.  You just have to take a closer look at the subtle hints.  Find out what your friends are really saying with that IM:
 Translatio...]]></description>
      <pubDate>Wed, 21 Oct 2009 04:05:54 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Finance and Stress: Where Your Stress Came From]]></title>
      <link>http://www.gobankingrates.com/debt/finance-and-stress-where-your-stress-came-from/</link>
      <description><![CDATA[
Dealing with any type of stress can be difficult, but dealing with financial stress can add to your already pressure-filled existence. As soon as you realize financial stress is a problem, it's good to start relieving the pressure. However, you need to k...]]></description>
      <pubDate>Wed, 21 Oct 2009 02:13:42 -0500</pubDate>
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      <title><![CDATA[Budgeting for Baby Supplies and Expenses that You're Not Used To]]></title>
      <link>http://www.gobankingrates.com/savings-account/budgeting-for-supplies-and-expenses-that-youre-not-used-to/</link>
      <description><![CDATA[When having a baby, most couples don't realize that there will be many additional expenses that you're just won't be able to prepare for.]]></description>
      <pubDate>Tue, 20 Oct 2009 09:41:49 -0500</pubDate>
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      <title><![CDATA[401k Contribution Limits Won't Change Next Year]]></title>
      <link>http://www.gobankingrates.com/retirement/401k/401k-contributions-limits-won-t-change-this-year/</link>
      <description><![CDATA[Workers contributing to their 401ks will be happy to know that their contribution limit won't change this year. Typically, the contribution limit adjusts to the conditions of the economy. Since the economy is in a deflated state, economists thought the IRS might lower the limit for 2010. However, it appears that the limit will sit still be at $16,500 for the year.]]></description>
      <pubDate>Tue, 20 Oct 2009 07:00:45 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Stressing over Money? What Not to Do]]></title>
      <link>http://www.gobankingrates.com/debt/finance-and-stress-what-not-to-do/</link>
      <description><![CDATA[
Managing your finances can be a tough prospect, especially when you're overwhelmed by a surplus of bills and underwhelmed by your lack of a steady cash flow. However, no matter how stressful your financial situation might be, there are some actions you j...]]></description>
      <pubDate>Tue, 20 Oct 2009 03:07:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Which Banks Were Profitable in Q3 and Why?]]></title>
      <link>http://www.gobankingrates.com/banking/which-banks-were-profitable-in-q3-and-why/</link>
      <description><![CDATA[The numbers for the banking and financial sector's third quarter of 2009 are in, and they paint a very mixed and tentative picture of how the industry is faring and where it's headed.]]></description>
      <pubDate>Mon, 19 Oct 2009 16:26:19 -0500</pubDate>
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      <title><![CDATA[More Foreclosures On the Horizon, Mortgage Modification Programs Struggle]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/foreclosure/more-foreclosures-on-the-horizon-mortgage-modification-programs-struggle/</link>
      <description><![CDATA[According to the Mortgage Bankers Association (MBA), foreclosures continue to soar while mortgage modification programs set up to help homeowners in trouble struggle to keep up. Currently, several million homeowners are either in loan default or nearing foreclosure. And thanks to consistent layoffs, more problem mortgages are likely to find their way back in lenders' hands to manage in the coming months.]]></description>
      <pubDate>Mon, 19 Oct 2009 08:28:40 -0500</pubDate>
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      <title><![CDATA[Financial Lessons Courtesy of Jon and Kate]]></title>
      <link>http://www.gobankingrates.com/savings-account/financial-tips-from-jon-kate/</link>
      <description><![CDATA[
A lot can be learned from watching reality TV. Case in point: Jon and Kate from TLC's Jon and Kate Plus 8 and the financial mess that now exists as part of their very public split.
The young couple was once a united front in managing their complicated ho...]]></description>
      <pubDate>Mon, 19 Oct 2009 04:25:02 -0500</pubDate>
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    <item>
      <title><![CDATA[Budgeting For New Baby Expenses]]></title>
      <link>http://www.gobankingrates.com/budgeting-for-new-baby-expenses/</link>
      <description><![CDATA[Learn more about how you can create a budget for baby expenses.]]></description>
      <pubDate>Sun, 18 Oct 2009 09:30:11 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Planning For Your New Baby]]></title>
      <link>http://www.gobankingrates.com/planning-for-your-new-baby/</link>
      <description><![CDATA[Learn more about how you can better prepare for the arrival of your new baby.]]></description>
      <pubDate>Sat, 17 Oct 2009 09:27:58 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How Does Debt Repair Really Work?]]></title>
      <link>http://www.gobankingrates.com/credit/how-does-debt-repair-really-work/</link>
      <description><![CDATA[
We've been getting a lot of questions about how debt repair really works. Sometimes, it can be tough to know exactly how to get out of debt, so we asked a company, Simplified Debt Solutions, to give us the 411.
Understanding Your Debt
Often times, we acc...]]></description>
      <pubDate>Fri, 16 Oct 2009 10:48:52 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Understanding Monthly and Yearly Costs for Your New Baby]]></title>
      <link>http://www.gobankingrates.com/understanding-monthly-and-yearly-costs-for-your-new-baby/</link>
      <description><![CDATA[Learn more about how you can calculate monthly and yearly costs for your new bundle of joy.]]></description>
      <pubDate>Fri, 16 Oct 2009 09:27:20 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[9 Steps to Help Kids Establish Credit]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-help-kids-establish-credit/</link>
      <description><![CDATA[Learn how you can help your kids to establish good credit early on.]]></description>
      <pubDate>Fri, 16 Oct 2009 08:49:48 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Obama Seeks Payments for Social Security Recipients]]></title>
      <link>http://www.gobankingrates.com/retirement/obama-seeks-payments-for-social-security-recipients/</link>
      <description><![CDATA[President Obama plans to press Congress to provide $250 payments to 57 million seniors, veterans, and people with disabilities next year. The effort will likely cost $13 billion, but will help offset the cost-of-living increase that will be absent from Social Security checks at the beginning of 2010.]]></description>
      <pubDate>Fri, 16 Oct 2009 07:00:28 -0500</pubDate>
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      <title><![CDATA[Our Best Halloween Cost-Saving Ideas]]></title>
      <link>http://www.gobankingrates.com/savings-account/halloween-cost-saving-ideas/</link>
      <description><![CDATA[Halloween has grown into a holiday that generates over $5 billion for retailers, venues, candy manufactures, liquor companies and the like. But with the economy still trying to stabilize, revelers are looking for ways to keep some more of that money in th...]]></description>
      <pubDate>Fri, 16 Oct 2009 06:56:07 -0500</pubDate>
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