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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>
	<lastBuildDate>Fri, 06 Nov 2009 03:44:42 +0000</lastBuildDate>
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		<title>How They Get You to Spend More</title>
		<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>
		<link>http://www.banks.com/blogs/finances/2009/11/05/how-they-get-you-to-spend-more/</link>
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		<title>How to Say No</title>
		<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>
		<link>http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/</link>
			</item>
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		<title>Negotiate a Better Price</title>
		<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>
		<link>http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/</link>
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		<title>Principal Payments</title>
		<description><![CDATA[You may have noticed a line on your payment coupons for your mortgage or car loan that says, &#8220;Principal Payment.&#8221; You may have wondered what exactly a principal payment is, and how it differs from the regular payments you send in every month. Doesn&#8217;t all the money you send in for payments go to the same [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/31/principal-payments/</link>
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		<title>Can&#8217;t Afford Insurance?</title>
		<description><![CDATA[Insurance can protect you in the event of a potentially costly emergency. Car insurance will help you repair or replace your vehicle if you are in a collision, renters insurance will provide you with the money necessary to replace items damaged or stolen in a home or apartment that you rent, and health insurance helps pay [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/30/cant-afford-insurance/</link>
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		<title>Know Your Spouse&#8217;s Finances</title>
		<description><![CDATA[Some couples decide to keep their finances separate even though they are legally married. For some couples, it works. They keep their bank accounts separate, they have their own credit accounts, and they don&#8217;t share their money at all. They split the bills, either equally or in some other way that they both agree to. [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/29/know-your-spouses-finances/</link>
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		<title>Protecting Your Heirs</title>
		<description><![CDATA[You&#8217;ll die someday. There should not be a shock associated with that statement, because everyone dies eventually. Since you know that your life will eventually end, there is no reason why you should not plan ahead for when it does actually happen. If you have people who rely on you, then you should absolutely have [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/27/protecting-your-heirs/</link>
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		<title>5 Money Mistakes</title>
		<description><![CDATA[Most people don&#8217;t get through their adulthood without having made at least a few mistakes with their money. Whether you have made a few small blunders, like paying too much for a car or forgetting a payment date or two, or if you have had serious money problems that have huge consequences, like bankruptcy or foreclosure, the [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/26/5-money-mistakes/</link>
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		<title>Not Paying for Your Kids&#8217; College?</title>
		<description><![CDATA[Tell them.
Here is something you may not realize: Even if your family struggles financially on a day to day basis, your kids may still assume that you are stashing money away regularly for their college educations. It is just the way that most school-aged kids figure that it should go; they get through high school [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/24/not-paying-for-your-kids-college/</link>
			</item>
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		<title>&#8220;I&#8217;ll Just Look, I Won&#8217;t Buy.&#8221;</title>
		<description><![CDATA[Your friend invites you to come along on a shopping trip to the mall, or to attend a party for a home based business where overpriced items are sold. You&#8217;re trying to watch your money and to not make any unnecessary purchases, but you like the social aspect behind shopping with your friends. You decide [...]]]></description>
		<link>http://www.banks.com/blogs/finances/2009/10/21/ill-just-look-i-wont-buy/</link>
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