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	<title>Personal Finance Guide</title>
	<link>http://www.personal-finance-guide.org</link>
	<description>Professional guide to your personal finance.</description>
	<lastBuildDate>Wed, 26 Mar 2008 23:52:51 +0000</lastBuildDate>
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		<title>How to spend your economic stimulus check</title>
		<description><![CDATA[	The government wants you to dump it on things you don’t need, or to finance a huge luxury purchase.  That’s exactly what you shouldn’t do. 
	The best thing you can do with the inflated money is to pay down debt.  Start with your highest interest account and dump your check on it.  [...]]]></description>
		<link>http://www.personal-finance-guide.org/archives/247/how-to-spend-your-economic-stimulus-check/</link>
	</item>
	<item>
		<title>Use a HELOC as an emergency fund</title>
		<description><![CDATA[	Having an emergency fund may help you sleep at night but it&#8217;s costing you more than you think.  For each dollar you have in low interest bearing accounts you have one less dollar invested at decent returns.  For some people, the new trend is trading in the cash reserves for a HELOC.
	A HELOC [...]]]></description>
		<link>http://www.personal-finance-guide.org/archives/246/use-a-heloc-as-an-emergency-fund/</link>
	</item>
	<item>
		<title>Using Cash Advances Properly</title>
		<description><![CDATA[Payday loans are a great way to help out when you are in a financial bind and need money quickly for various expenses.]]></description>
		<link>http://www.personal-finance-guide.org/archives/245/using-cash-advances-properly/</link>
	</item>
	<item>
		<title>Stafford Student Loans</title>
		<description><![CDATA[Stafford loans are part of the FFELP (Federal Family Education Loan Program) established by Congress in 1965 to supply financial aid to students. Originally intended to cover those 'in need' where the quotes indicate that the definition was somewhat loose even then, it rapidly expanded. Today, Stafford loans provide over 90% of the more than $50 billion dollars distributed every year within the various FFELP categories.]]></description>
		<link>http://www.personal-finance-guide.org/archives/244/stafford-student-loans/</link>
	</item>
	<item>
		<title>PLUS Student Loans</title>
		<description><![CDATA[With the rising cost of education over the past few decades, reliance on traditional Stafford loans has often failed to cover even the majority of expenses. The PLUS (Parent Loans for Undergraduate Students) loan program was designed to close that gap.]]></description>
		<link>http://www.personal-finance-guide.org/archives/243/plus-student-loans/</link>
	</item>
	<item>
		<title>No Credit Loans</title>
		<description><![CDATA[Having a poor credit history is never an advantage. Fortunately for students and their parents, though, there are a number of loan and aid packages that don't look at credit status at all. Several Federal loans consider only need or other factors, and ignore any credit history entirely, good or bad.]]></description>
		<link>http://www.personal-finance-guide.org/archives/241/no-credit-loans/</link>
	</item>
	<item>
		<title>Private Student Loans</title>
		<description><![CDATA[Many of the common Federal student loan programs require no credit check and provide substantial sums for financial aid. Unsubsidized loans, in which any interest accrued while the student is in school making satisfactory progress, are among the most desirable.]]></description>
		<link>http://www.personal-finance-guide.org/archives/240/private-student-loans/</link>
	</item>
	<item>
		<title>Subsidized and Unsubsidized Student Loans</title>
		<description><![CDATA[Obtaining student aid can be more complicated than playing the stock market. There are literally hundreds of possible scholarships, loan programs and other forms of assistance. But for the overwhelming majority a Federal student loan program is the most likely source of funds to help pay for school.]]></description>
		<link>http://www.personal-finance-guide.org/archives/242/subsidized-and-unsubsidized-student-loans/</link>
	</item>
	<item>
		<title>Life Insurance Companies</title>
		<description><![CDATA[Choose from the top ten life insurance companies to get maximum security and best coverage.]]></description>
		<link>http://www.personal-finance-guide.org/archives/239/life-insurance-companies/</link>
	</item>
	<item>
		<title>Guide to New York Life Insurance Company</title>
		<description><![CDATA[Life insurance is the security we all need in order to protect our families and ourselves. There are a large number of life insurance companies to choose from with an even larger number of plans and policies. Choosing a reliable company is essential in order to be able to count on it when and as the need arises. Here are some important reasons why you should choose the New York Life Insurance Company over the others.]]></description>
		<link>http://www.personal-finance-guide.org/archives/238/guide-to-new-york-life-insurance-company/</link>
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