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	<title>Personal Finance Advice</title>
	<link>http://www.banks.com/blogs/finances</link>
	<description>Read the latest in personal finance advice and news from our experts on the Banks.com's Personal Finance Blog.</description>
	<pubDate>Thu, 19 Nov 2009 00:50:33 +0000</pubDate>
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		<title>Electronic Account Statements</title>
		<link>http://www.banks.com/blogs/finances/2009/11/18/electronic-account-statements/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/18/electronic-account-statements/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 00:50:33 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/18/electronic-account-statements/</guid>
		<description><![CDATA[Have you made the switch to electronic statements for your bank and credit accounts yet? If you haven&#8217;t yet made the switch from paper statements mailed to you then there is a good chance your financial institution has been hard at work trying to remind you of the opportunity to do so. It&#8217;s no wonder [...]]]></description>
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		<title>Are You Generous to a Fault?</title>
		<link>http://www.banks.com/blogs/finances/2009/11/17/are-you-generous-to-a-fault/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/17/are-you-generous-to-a-fault/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 01:24:52 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/17/are-you-generous-to-a-fault/</guid>
		<description><![CDATA[It&#8217;s great to be generous. People always appreciate when someone else is willing to come along and pick up the tab, and generosity can be a lot of fun if the other people aren&#8217;t expecting it.  A grand gesture to pay for the whole group of friends when out to dinner can delight everyone in [...]]]></description>
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		<title>Affiliate Discounts</title>
		<link>http://www.banks.com/blogs/finances/2009/11/16/affiliate-discounts/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/16/affiliate-discounts/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 03:45:02 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/16/affiliate-discounts/</guid>
		<description><![CDATA[If you belong to a credit union or any type of membership professional organization you might be able to get substantial discounts on things like car insurance, some types of merchandise and other things that you might already buy. It&#8217;s called an affiliate discount, and it&#8217;s one of the perks of belonging to a group [...]]]></description>
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		<title>Before Applying for a Loan</title>
		<link>http://www.banks.com/blogs/finances/2009/11/14/before-applying-for-a-loan/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/14/before-applying-for-a-loan/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 02:41:28 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/14/before-applying-for-a-loan/</guid>
		<description><![CDATA[Lenders take several factors into consideration when deciding whether to approve an application for a loan or not. With so many factors influencing the approval decision, it is easy for something to go wrong and an application for a loan to wind up denied. If you know ahead of time what a lender will look at [...]]]></description>
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		<item>
		<title>Know What You&#8217;re Worth</title>
		<link>http://www.banks.com/blogs/finances/2009/11/13/know-what-youre-worth/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/13/know-what-youre-worth/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 20:32:12 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/13/know-what-youre-worth/</guid>
		<description><![CDATA[It is amazing how some people will vigorously pursue the highest salary from a company they work for, yet when it comes to setting their own pay rate as a self-employed individual they will oftentimes accept much less money than they are actually worth.
For example, suppose a stay-at-home mom decides to start up a dog [...]]]></description>
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		<title>Know When to Ask for Help</title>
		<link>http://www.banks.com/blogs/finances/2009/11/11/know-when-to-ask-for-help/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/11/know-when-to-ask-for-help/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 20:15:37 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/11/know-when-to-ask-for-help/</guid>
		<description><![CDATA[Most people encounter some time in their lives when their money situation gets a little scary and they aren&#8217;t sure if they will be able to meet all their bills at the end of the month. Sometimes this is a result of bad financial planning and sometimes this is a result of a financial emergency [...]]]></description>
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		<item>
		<title>College Credit</title>
		<link>http://www.banks.com/blogs/finances/2009/11/08/college-credit/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/08/college-credit/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 02:45:17 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/08/college-credit/</guid>
		<description><![CDATA[Getting credit as a college student is about to get a lot harder. The new credit card laws place strict limitations on giving credit cards to people under the age of 21. While it used to be that just about anyone who was enrolled in college could stroll up to a table, fill out a quick application [...]]]></description>
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		<item>
		<title>How They Get You to Spend More</title>
		<link>http://www.banks.com/blogs/finances/2009/11/05/how-they-get-you-to-spend-more/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/05/how-they-get-you-to-spend-more/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 03:44:42 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/05/how-they-get-you-to-spend-more/</guid>
		<description><![CDATA[If you are like most people, you have a hard time sticking to your shopping list.  Maybe you find something on a great sale or maybe an item catches your eye so you buy it, but either way, stores like when customers spend more than they planned on spending. People who buy on impulse may be more likely to not [...]]]></description>
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		</item>
		<item>
		<title>How to Say No</title>
		<link>http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 01:36:10 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/</guid>
		<description><![CDATA[As retail clerks quickly evolve from being helpful salespeople into aggressive marketers of credit products, shoppers must be on the offensive to make sure they do not find themselves getting talked into opening credit accounts that they don&#8217;t really need or want. Salespeople are trained to try to sell store credit cards as much (if [...]]]></description>
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		</item>
		<item>
		<title>Negotiate a Better Price</title>
		<link>http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/</link>
		<comments>http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 03:44:53 +0000</pubDate>
		<dc:creator>Tamsen Butler</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/</guid>
		<description><![CDATA[Haggling for a better price on an item you want to purchase is not a thing of the past. In fact, savvy shoppers who know how to successfully negotiate a better deal frequently spend a lot less money for the things you pay full price for. These shoppers go beyond looking for coupons or searching [...]]]></description>
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