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	<title>Bankrate.com &#187; Investing</title>
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	<link>http://www.bankrate.com/financing</link>
	<description>A Financial Blog</description>
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			<item>
		<title>Are we in a bull market?</title>
		<link>http://www.bankrate.com/financing/investing/are-we-in-a-bull-market/</link>
		<comments>http://www.bankrate.com/financing/investing/are-we-in-a-bull-market/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 19:25:51 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[bull market]]></category>
		<category><![CDATA[MSCI World Index]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11239</guid>
		<description><![CDATA[Everyone seems to be atwitter about a bull market this week.
Yesterday, the Standard &#38; Poor's 500 Index closed at a seven-month high, just 1 percent off the year-over-year high from April 29, 2011.
And the MSCI All-Country World Index has also climbed precipitously in recent months.
What is the MSCI All-Country World Index, you might ask.
It's a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/are-we-in-a-bull-market/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>30 companies, 1 index, the DJIA</title>
		<link>http://www.bankrate.com/financing/investing/30-companies-1-index-the-djia/</link>
		<comments>http://www.bankrate.com/financing/investing/30-companies-1-index-the-djia/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 16:35:32 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dow Jones Industrial Average]]></category>
		<category><![CDATA[index]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11200</guid>
		<description><![CDATA[There's a great piece on the New York Times' website, NYtimes.com, if you're from under a rock, titled "Why do we still care about the Dow?" by Adam Davidson of Planet Money fame.
The Dow Jones Industrial Average is a closely watched index but is comprised of only 30 giant companies.
Here's how the index is described]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/30-companies-1-index-the-djia/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fight brews over MMFs</title>
		<link>http://www.bankrate.com/financing/investing/fight-brews-over-mmfs/</link>
		<comments>http://www.bankrate.com/financing/investing/fight-brews-over-mmfs/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 18:55:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[money market funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11178</guid>
		<description><![CDATA[Money market funds are designed to be safe investments that maintain a $1 per share net asset value, or NAV, at all times. Unlike money market accounts offered by banks though, money market funds are not insured by the FDIC. That means it is possible to lose money in a money market fund if the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/fight-brews-over-mmfs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Data that could move markets</title>
		<link>http://www.bankrate.com/financing/investing/data-that-could-move-markets/</link>
		<comments>http://www.bankrate.com/financing/investing/data-that-could-move-markets/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:25:41 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[consumer credit]]></category>
		<category><![CDATA[economic indicators]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[ISM manufacturing index]]></category>
		<category><![CDATA[trade deficit]]></category>
		<category><![CDATA[unemployment rates]]></category>
		<category><![CDATA[University of Michigan]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11157</guid>
		<description><![CDATA[On Friday, good news came in the form of the nonfarm payrolls report, which showed a growth in private jobs of 243,000 and a decrease in the unemployment rate to 8.3 percent.
Investors rejoiced, and the Standard &#38; Poor's 500 index finished Friday up 1.46 percent from the previous day's close.
Last week's release from the Institute]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/data-that-could-move-markets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fiduciaries, financial literacy</title>
		<link>http://www.bankrate.com/financing/investing/fiduciaries-financial-literacy/</link>
		<comments>http://www.bankrate.com/financing/investing/fiduciaries-financial-literacy/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 13:00:33 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[fiduciary standard]]></category>
		<category><![CDATA[financial literacy]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11114</guid>
		<description><![CDATA[In mid-January, the SEC requested comments from the public on financial literacy and investor disclosure issues.
The Dodd-Frank Act mandated that the SEC conduct this study to identify investors' levels of financial literacy and come up with ways of improving disclosure materials pertaining to investment products, services and providers.
They also must identify the most effective ways]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/fiduciaries-financial-literacy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Economic reports to watch</title>
		<link>http://www.bankrate.com/financing/investing/economic-reports-to-watch/</link>
		<comments>http://www.bankrate.com/financing/investing/economic-reports-to-watch/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 18:33:13 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[economic indicators]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[unemployment claims]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=11011</guid>
		<description><![CDATA[It's a big week for economic data, and the stock market could react to reports released through the week.
"The focus will be on Europe today and maybe tomorrow," says John Stewart, an economist and founder of Vantage Economics.
"Then the focus will shift to the domestic economy with some of the reports coming out, and they]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/economic-reports-to-watch/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investment mistakes</title>
		<link>http://www.bankrate.com/financing/investing/investment-mistakes/</link>
		<comments>http://www.bankrate.com/financing/investing/investment-mistakes/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 21:47:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[passive investing]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10969</guid>
		<description><![CDATA[Ever talk to someone bemoaning the state of their 401(k) or IRA? A few casual questions reveal that they had no reason to buy the mutual funds in their portfolio outside of a hopeful glance at the historical returns.
If and when the funds falter, the losers are jettisoned willy-nilly, and the investing plan, if you]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investment-mistakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market-moving data this week?</title>
		<link>http://www.bankrate.com/financing/investing/market-moving-data-this-week/</link>
		<comments>http://www.bankrate.com/financing/investing/market-moving-data-this-week/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 17:45:47 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[economic indicators]]></category>
		<category><![CDATA[FOMC]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[unemployment claims]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10833</guid>
		<description><![CDATA[The stock market is a bit like the id in Freud's theories. Pleasure-seeking and pain-avoiding, it reacts first and asks questions later. As a result, regular economic data reports can inspire whoops of enthusiasm  or exaggerated despair in stock prices.
Here's a look at some of the economic reports coming out this week that could move]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/market-moving-data-this-week/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>So goes January …</title>
		<link>http://www.bankrate.com/financing/investing/so-goes-january%e2%80%a6/</link>
		<comments>http://www.bankrate.com/financing/investing/so-goes-january%e2%80%a6/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 21:30:46 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[indicators]]></category>
		<category><![CDATA[January barometer]]></category>
		<category><![CDATA[S&P 500]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10758</guid>
		<description><![CDATA[You may have heard the phrase, "so goes January, so goes the year." The phrase comes from the January barometer and is believed by some to be a predictor of the direction of the stock market for the coming year.
Though it has its detractors, the son of the creator, Jeffrey Hirsch, editor of the "The]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/so-goes-january%e2%80%a6/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Study: Volcker rule to be costly</title>
		<link>http://www.bankrate.com/financing/investing/study-volcker-rule-to-be-costly/</link>
		<comments>http://www.bankrate.com/financing/investing/study-volcker-rule-to-be-costly/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 16:23:23 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[financial regulation]]></category>
		<category><![CDATA[Volcker rule]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10664</guid>
		<description><![CDATA[Not surprisingly, this election year will shape up to be an ideological battle royal between proponents of free-market capitalism and those that would impose some constraints on unfettered capitalism in the form of regulation.
Back in 2010, the Dodd-Frank Act was passed in order to address some of the abuses by financial institutions that led to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/study-volcker-rule-to-be-costly/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>2012 interest rate outlook</title>
		<link>http://www.bankrate.com/financing/investing/2012-interest-rate-outlook/</link>
		<comments>http://www.bankrate.com/financing/investing/2012-interest-rate-outlook/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 21:41:00 +0000</pubDate>
		<dc:creator>Greg McBride</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[auto]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[yields]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10500</guid>
		<description><![CDATA[I recently appeared on the Fox Business Network to talk about my 2012 interest rate outlook. Here’s an edited transcript of my comments:
Mortgages
I think there’s a possibility that mortgage rates could move considerably lower early this year. It will be brief, but here’s the scenario under which I see that unfolding: If fears of the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/2012-interest-rate-outlook/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>If not stocks, what?</title>
		<link>http://www.bankrate.com/financing/investing/if-not-stocks-what/</link>
		<comments>http://www.bankrate.com/financing/investing/if-not-stocks-what/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 13:00:25 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[asset classes]]></category>
		<category><![CDATA[Commodities]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10139</guid>
		<description><![CDATA[Oh December, month of lists detailing the best and worst of the outgoing year and forecasts telling us what to expect from the coming year.
Today's forecast for 2012 comes from the CFA Institute, the world's largest association of investment professionals and granter of the prestigious Chartered Financial Analyst designation.
In their Global Market Sentiment Survey 2012,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/if-not-stocks-what/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inflation-fighting commodities</title>
		<link>http://www.bankrate.com/financing/investing/inflation-fighting-commodities/</link>
		<comments>http://www.bankrate.com/financing/investing/inflation-fighting-commodities/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 16:25:58 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Commodities]]></category>
		<category><![CDATA[I bond]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[TIPS]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=10022</guid>
		<description><![CDATA[Inflation won't be going away anytime soon, but at today's interest rates, your purchasing power may be slipping.
Inflation can, of course, be a significant drain on the amount you can buy in the future with today's dollars. To fight that, investors often use government bonds called Treasury Inflation Protected Securities, or TIPS.
The inflation component of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/inflation-fighting-commodities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beige Book reports slow growth</title>
		<link>http://www.bankrate.com/financing/investing/beige-book-reports-slow-growth/</link>
		<comments>http://www.bankrate.com/financing/investing/beige-book-reports-slow-growth/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 20:26:59 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Beige Book]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[FOMC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9829</guid>
		<description><![CDATA[The economic report known as the Beige Book came out today. The report comes out eight times per year and includes data from each of the 12 Federal Reserve Banks and businesses in their corresponding regions.
Only one region, St. Louis, reported a decline in economic activity. For the 11 other districts it increased at a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/beige-book-reports-slow-growth/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Study: Youngsters conservative</title>
		<link>http://www.bankrate.com/financing/investing/study-youngsters-conservative/</link>
		<comments>http://www.bankrate.com/financing/investing/study-youngsters-conservative/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 17:56:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9771</guid>
		<description><![CDATA[This morning Fidelity Investments released the results of a new survey that shows that young investors are skewing more conservative. The "Higher Education Generational Survey" looked at the investing behavior of retirement plan participants in higher education across three generations: Y, X and Boomer.
The survey found that Generation Y investors use similar asset allocation plans]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/study-youngsters-conservative/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time to rebalance?</title>
		<link>http://www.bankrate.com/financing/investing/time-to-rebalance/</link>
		<comments>http://www.bankrate.com/financing/investing/time-to-rebalance/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 18:35:04 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[rebalancing]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9747</guid>
		<description><![CDATA[The long holiday weekend may be a good time to do some financial housekeeping, and that might include rebalancing your investment portfolio if it's in a tax-advantaged account such as a 401(k) or IRA.
Rebalancing means resetting your investments to match your original asset allocation plan.
For instance, imagine a hypothetical scenario in which someone has invested]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/time-to-rebalance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Biggest muni bankruptcy ever</title>
		<link>http://www.bankrate.com/financing/investing/biggest-muni-bankruptcy-ever/</link>
		<comments>http://www.bankrate.com/financing/investing/biggest-muni-bankruptcy-ever/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:09:21 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[municipal bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9491</guid>
		<description><![CDATA[On Tuesday, Jefferson County, Alabama filed for bankruptcy, earning the dubious distinction of being the largest municipal bankruptcy in U.S. history.
The county was in debt to bondholders for more than $3 billion for a sewer system project, Bloomberg News reported on Thursday in the story, "Biggest muni bankruptcy ever puts investors on high alert."
Last year,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/biggest-muni-bankruptcy-ever/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>When your broker goes belly up</title>
		<link>http://www.bankrate.com/financing/investing/when-your-broker-goes-belly-up/</link>
		<comments>http://www.bankrate.com/financing/investing/when-your-broker-goes-belly-up/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 20:43:19 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank]]></category>
		<category><![CDATA[MF Global]]></category>
		<category><![CDATA[Securities Investor Protection Corporation]]></category>
		<category><![CDATA[SIPC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9313</guid>
		<description><![CDATA[By now the entire story of MF Global has unfolded, revealing a series of bad decisions and errors in judgment.
MF Global made highly-leveraged bets on short-term sovereign debt from cash-strapped European nations such as Spain and Italy. Those investments were ultimately the firm's undoing, but defaults on the investments weren't what brought them down --]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/when-your-broker-goes-belly-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bonds are marked up how much??</title>
		<link>http://www.bankrate.com/financing/investing/bonds-are-marked-up-how-much/</link>
		<comments>http://www.bankrate.com/financing/investing/bonds-are-marked-up-how-much/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 16:32:11 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9202</guid>
		<description><![CDATA[Small investors get the short end of the stick when it comes to buying individual bonds. Unlike stocks, bonds are generally sold over the counter, or OTC, rather than through a central exchange.
When an investor goes to buy a bond through their broker, the price they pay is not merely the cost of the security;]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/bonds-are-marked-up-how-much/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Less Euro risk in money funds</title>
		<link>http://www.bankrate.com/financing/investing/less-euro-risk-in-money-funds/</link>
		<comments>http://www.bankrate.com/financing/investing/less-euro-risk-in-money-funds/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 16:33:43 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[European debt crisis]]></category>
		<category><![CDATA[money market funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9028</guid>
		<description><![CDATA[U.S. prime money market funds reduced investments in European banks by 14 percent between August and September, the Wall Street Journal reported today in the story, "Money Funds Shun European Banks."
That data comes from a report from Fitch Ratings released today.
According to the press release from Fitch, European bank holdings make up 37.7 percent of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/less-euro-risk-in-money-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Biggest 401(k) mistakes</title>
		<link>http://www.bankrate.com/financing/investing/biggest-401k-mistakes/</link>
		<comments>http://www.bankrate.com/financing/investing/biggest-401k-mistakes/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 21:02:20 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[defined contribution plan]]></category>
		<category><![CDATA[mistakes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=9001</guid>
		<description><![CDATA[The best way to ensure that your retirement portfolio consistently grows is not through complicated and arcane investing schemes but simply by putting money into your retirement account on a regular basis.
The second best way is to take the free money from your employer in the form of matching contributions if you are lucky enough]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/biggest-401k-mistakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Many investors don&#8217;t get ETFs</title>
		<link>http://www.bankrate.com/financing/investing/many-investors-dont-get-etfs/</link>
		<comments>http://www.bankrate.com/financing/investing/many-investors-dont-get-etfs/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 20:03:03 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[ETFs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8957</guid>
		<description><![CDATA[Exchange traded funds, or ETFs, offer investors a bundle of securities like a mutual fund but with lower expenses and fewer taxes. Unlike mutual funds, which calculate the net asset value -- or price per share -- at the end of the day, ETFs are priced throughout the day like stocks.
They can be structured fairly]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/many-investors-dont-get-etfs/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Vanguard on booms and busts</title>
		<link>http://www.bankrate.com/financing/investing/vanguard-on-booms-and-busts/</link>
		<comments>http://www.bankrate.com/financing/investing/vanguard-on-booms-and-busts/#comments</comments>
		<pubDate>Fri, 07 Oct 2011 16:18:16 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8816</guid>
		<description><![CDATA[Not to belabor the whole investing in a recession topic, but Vanguard released a paper this week, "Recessions and balanced portfolio returns," to address a common investor concern during economic contractions.
"Given the rising risk of a renewed U.S. recession, investors may wonder about the merits of a more 'defensive' posture for their broad portfolio," the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/vanguard-on-booms-and-busts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investors bail; rally predicted</title>
		<link>http://www.bankrate.com/financing/investing/investors-bail-rally-predicted/</link>
		<comments>http://www.bankrate.com/financing/investing/investors-bail-rally-predicted/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 16:02:28 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[rally]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8778</guid>
		<description><![CDATA[It's difficult sometimes to get a big-picture view of everything that is going on with so much information. There's so much news about everything that the forest gets lost in all of the trees. Two news stories really highlight that phenomenon today.
The first comes from the USA Today website. "Many investors quit stocks: Is it]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investors-bail-rally-predicted/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investing in a could-be recession</title>
		<link>http://www.bankrate.com/financing/investing/investing-in-a-could-be-recession/</link>
		<comments>http://www.bankrate.com/financing/investing/investing-in-a-could-be-recession/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 13:10:05 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8725</guid>
		<description><![CDATA[The R-word is flying around again.
Last week, the Economic Cycle Research Institute, or ECRI, a business cycle forecasting firm, released an announcement stating "U.S. economy tipping into recession."
From their news release:
Why should ECRI’s recession call be heeded? Perhaps because, as The Economist has noted, we’ve correctly called three recessions without any false alarms in-between. In]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investing-in-a-could-be-recession/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Follow Calpers to alternatives?</title>
		<link>http://www.bankrate.com/financing/investing/follow-calpers-to-alternatives/</link>
		<comments>http://www.bankrate.com/financing/investing/follow-calpers-to-alternatives/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 20:02:08 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[alternative investments]]></category>
		<category><![CDATA[Calpers]]></category>
		<category><![CDATA[hedge funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8692</guid>
		<description><![CDATA[The chief investment officer at the California Public Employees' Retirement System spoke to Bloomberg TV on Wednesday. Joe Dear, Calpers' CIO, says meeting their target return this year will be tough.
Over the long-term, Dear said in the Bloomberg story, "Calpers chief says 7.75 percent return (is) tough to meet," the returns of the largest public]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/follow-calpers-to-alternatives/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Could a Greek default hit you?</title>
		<link>http://www.bankrate.com/financing/investing/could-a-greek-default-hit-you/</link>
		<comments>http://www.bankrate.com/financing/investing/could-a-greek-default-hit-you/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 19:53:52 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Greece]]></category>
		<category><![CDATA[money market funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8563</guid>
		<description><![CDATA[Though the second Greek bailout program engineered by the European Union and the International Monetary Fund is ongoing, an increasing number of reports point to the possible eventuality of a default.
Today, Friday, Germany's finance minister said the second bailout package may need to be re-evaluated as debt inspectors found that the country is behind on]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/could-a-greek-default-hit-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The price of safety</title>
		<link>http://www.bankrate.com/financing/investing/the-price-of-safety/</link>
		<comments>http://www.bankrate.com/financing/investing/the-price-of-safety/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 16:30:05 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[Treasury bonds]]></category>
		<category><![CDATA[volatility]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8547</guid>
		<description><![CDATA[When the stock market resembles nothing so much as a sinking ship, the urge to flee can be strong.
Indeed, in recent weeks, people have been making their egress from stocks. The Investment Company Institute, or ICI, reports that equity mutual funds lost $1.99 billion in the week ending September 14.
For nervous investors, there may be]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/the-price-of-safety/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where is your adviser&#8217;s worth?</title>
		<link>http://www.bankrate.com/financing/investing/where-is-your-advisers-worth/</link>
		<comments>http://www.bankrate.com/financing/investing/where-is-your-advisers-worth/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 20:35:34 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8419</guid>
		<description><![CDATA[Telling you how to invest and keeping your coffers filled in retirement may not be the most important services financial planners and investment advisers provide.
Instead, most financial advisers believe that the most valuable service they provide to clients close to retirement is an objective and unemotional point of view about the market, a recent survey]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/where-is-your-advisers-worth/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tax-free munis could be capped</title>
		<link>http://www.bankrate.com/financing/investing/tax-free-munis-could-be-capped/</link>
		<comments>http://www.bankrate.com/financing/investing/tax-free-munis-could-be-capped/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 18:02:27 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[municipal bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8355</guid>
		<description><![CDATA[President Obama sent his jobs bill to Congress this week. Among the spending cuts and tax increases is a provision to cap the amount of tax-exempt interest a high income investor can earn from municipal bonds.
Interest from municipal bonds is generally free from federal income tax, as well as state and local taxes in some]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/tax-free-munis-could-be-capped/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mutual funds breaking the law?</title>
		<link>http://www.bankrate.com/financing/investing/mutual-funds-breaking-the-law/</link>
		<comments>http://www.bankrate.com/financing/investing/mutual-funds-breaking-the-law/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 14:15:02 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[derivatives]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8166</guid>
		<description><![CDATA[Regulators have been examining the issue of derivatives in mutual funds since March 2010 but on Wednesday of this week the SEC requested comments from the public.
Derivatives are investments that are based on the value of something else. For instance, futures contracts are derivatives, the contract is worth a certain amount based on the underlying]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/mutual-funds-breaking-the-law/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bill Gross buying Treasuries</title>
		<link>http://www.bankrate.com/financing/investing/bill-gross-buying-treasuries/</link>
		<comments>http://www.bankrate.com/financing/investing/bill-gross-buying-treasuries/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 21:06:34 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bill Gross]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[Treasury bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8094</guid>
		<description><![CDATA[Being mistaken can be embarrassing but it's always better to admit the mistake, cut your losses and move on.
And Bill Gross is moving on from his recent mistake: his well-known estrangement from longer-term U.S. Treasuries.
Earlier this year the co-chief investment officer of Pimco and manager of the Pimco Total Return Fund, announced that he was]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/bill-gross-buying-treasuries/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why did Bernanke move markets?</title>
		<link>http://www.bankrate.com/financing/investing/why-did-bernanke-move-markets/</link>
		<comments>http://www.bankrate.com/financing/investing/why-did-bernanke-move-markets/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 19:41:05 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=8025</guid>
		<description><![CDATA[Stocks jumped this morning following the speech by Federal Reserve Chairman Ben Bernanke.
The Dow Jones Industrial Average initially dropped 131.04 as the speech began but by noon was up 3.3 percent.
The Standard &#38; Poor's 500 index followed the same trend, dropping initially but rallying until noon, up 3.7 percent from the day's low.
Some reports attribute the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/why-did-bernanke-move-markets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Foxes guard the SEC henhouse</title>
		<link>http://www.bankrate.com/financing/investing/foxes-guard-the-sec-henhouse/</link>
		<comments>http://www.bankrate.com/financing/investing/foxes-guard-the-sec-henhouse/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 20:14:43 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Regulation]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7903</guid>
		<description><![CDATA[Despite the fervent belief in unfettered capitalism, America insists on installing gatekeepers for every industry. For some reason, people are under the impression that industries do a poor job of policing themselves; conducting business in an ethical manner; refraining from poisoning the air, land and water or maybe not crippling the largest economy on the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/foxes-guard-the-sec-henhouse/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Step one: Don&#8217;t panic</title>
		<link>http://www.bankrate.com/financing/investing/step-one-dont-panic/</link>
		<comments>http://www.bankrate.com/financing/investing/step-one-dont-panic/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 20:17:35 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[volatility]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7762</guid>
		<description><![CDATA[The stock market wrapped up yet another week, and this time it was a crazy one. The Dow Jones Industrial Average closed the week at 11,245.71, up 5.3 percent from the low hit last Thursday.
The Standard &#38; Poor's 500 index finished the week up 5.2 percent from last Thursday.
Understandably, investment advisers had their hands full with]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/step-one-dont-panic/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market volatility: what to do?</title>
		<link>http://www.bankrate.com/financing/investing/market-volatility-what-to-do/</link>
		<comments>http://www.bankrate.com/financing/investing/market-volatility-what-to-do/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 17:08:35 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7611</guid>
		<description><![CDATA[On Thursday, the Dow Jones Industrial Average lost about 4.3 percent, down 513 points at the day's close.
The Standard &#38; Poor's 500 index also fell on Thursday, tumbling 4.78 percent. That wasn't the end, global markets followed suit with Asian stock markets joining the fray and European markets opening to tumult on Friday.
This follows a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/market-volatility-what-to-do/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Fiduciary standard 1 year later</title>
		<link>http://www.bankrate.com/financing/investing/fiduciary-standard-1-year-later/</link>
		<comments>http://www.bankrate.com/financing/investing/fiduciary-standard-1-year-later/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 14:00:04 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[universal fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7402</guid>
		<description><![CDATA[A year after the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law, the Securities and Exchange Commission has plowed through many of the studies that the act required and has proposed or adopted rules for the 90 provisions requiring them, the SEC website reports.
One of those provisions empowered the SEC to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/fiduciary-standard-1-year-later/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Proxy access &#8212; denied</title>
		<link>http://www.bankrate.com/financing/investing/proxy-access-denied/</link>
		<comments>http://www.bankrate.com/financing/investing/proxy-access-denied/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 17:12:22 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[proxy access]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7404</guid>
		<description><![CDATA[It's been a tough year for the Dodd-Frank Act. Not only is the House of Representatives working to undo investor protections, the judiciary is as well.
On Friday, July 2, an appeals court threw out the proxy access rule set by the Securities and Exchange Commission as empowered by the Dodd-Frank Act, the Los Angeles Times]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/proxy-access-denied/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Risk and the nervous investor</title>
		<link>http://www.bankrate.com/financing/investing/risk-and-the-nervous-investor/</link>
		<comments>http://www.bankrate.com/financing/investing/risk-and-the-nervous-investor/#comments</comments>
		<pubDate>Fri, 22 Jul 2011 16:37:45 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[diversification]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7326</guid>
		<description><![CDATA[When it comes to investing there are many types of risk -- liquidity risk, interest rate risk, inflation risk, just to name some of the biggies. But the one people think of most when talking about risk is market risk or volatility. It refers to the ups and downs that move stock prices on a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/risk-and-the-nervous-investor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Budget Hero: Balance our debt!</title>
		<link>http://www.bankrate.com/financing/investing/budget-hero-balance-our-debt/</link>
		<comments>http://www.bankrate.com/financing/investing/budget-hero-balance-our-debt/#comments</comments>
		<pubDate>Mon, 18 Jul 2011 20:33:36 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Congress]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7252</guid>
		<description><![CDATA[Most news-savvy people are more than a little confident that they have all the answers when it comes to solving the country's debt problem. Just give me a pencil and a pad of paper and I'll show everyone how it's done.
Turns out, it's a little complicated, as illustrated by the surprisingly fun game, Budget Hero.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/budget-hero-balance-our-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Europe&#8217;s debt woes to hit home?</title>
		<link>http://www.bankrate.com/financing/investing/europes-debt-woes-to-hit-home/</link>
		<comments>http://www.bankrate.com/financing/investing/europes-debt-woes-to-hit-home/#comments</comments>
		<pubDate>Fri, 15 Jul 2011 18:43:50 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[credit default swaps]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Europe]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=7216</guid>
		<description><![CDATA[This week the debt crisis in Europe increasingly featured Italy in addition to the already-fraught economies of Greece, Ireland and Portugal.
The increased possibility of Italy as a potential debt defaulter alarmed many as the Italian economy is the third largest in Europe. The country's tenuous financial position was thrown into stark relief after a public]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/europes-debt-woes-to-hit-home/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>House: CEO-worker pay secret</title>
		<link>http://www.bankrate.com/financing/investing/house-ceo-worker-pay-secret/</link>
		<comments>http://www.bankrate.com/financing/investing/house-ceo-worker-pay-secret/#comments</comments>
		<pubDate>Fri, 01 Jul 2011 16:42:55 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[socially responsible investing]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6946</guid>
		<description><![CDATA[Last year's Dodd-Frank Act included a provision to give shareholders in publicly-traded companies the power to vote on executive compensation.
The financial reform bill also required certain companies, including publicly-traded companies, companies issuing debt instruments and companies required to file reports with the Securities and Exchange Commission, to report the ratio between executive compensation and worker salaries.
A]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/house-ceo-worker-pay-secret/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Against a fiduciary standard?</title>
		<link>http://www.bankrate.com/financing/investing/against-a-fiduciary-standard/</link>
		<comments>http://www.bankrate.com/financing/investing/against-a-fiduciary-standard/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 14:30:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6796</guid>
		<description><![CDATA[On Thursday, the SEC received a petition signed by thousands of financial planners, members of the Financial Planners Coalition, urging them to apply a uniform fiduciary standard to anyone providing personal investment advice.
You may perhaps recall that the SEC was empowered by the Dodd-Frank Act to study the issue last year. They found that a]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/against-a-fiduciary-standard/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Did Dodd-Frank doom MMFs?</title>
		<link>http://www.bankrate.com/financing/investing/did-dodd-frank-doom-mmfs/</link>
		<comments>http://www.bankrate.com/financing/investing/did-dodd-frank-doom-mmfs/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 16:07:58 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank]]></category>
		<category><![CDATA[money market funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6604</guid>
		<description><![CDATA[Remember back in 2008 when the net asset value of one money market mutual fund dipped below $1? The Reserve Primary fund broke the buck in September of 2008 in the wake of the Lehman Brothers implosion. Now money market funds could be looking at a similar scenario, this time thanks to events across the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/did-dodd-frank-doom-mmfs/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Core CPI up, gas down</title>
		<link>http://www.bankrate.com/financing/investing/core-cpi-up-gas-down/</link>
		<comments>http://www.bankrate.com/financing/investing/core-cpi-up-gas-down/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 14:41:06 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CPI]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6598</guid>
		<description><![CDATA[Costs to consumers inched up in May, the core Consumer Price Index rose 0.3 percent. That represents the biggest increase in consumer costs minus food and energy since July 2008 according to the Department of Labor.
Prices for clothing, shelter, new cars and recreation all went up in May, as did the price of food. Meats,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/core-cpi-up-gas-down/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Adviser fees confusing</title>
		<link>http://www.bankrate.com/financing/investing/adviser-fees-confusing/</link>
		<comments>http://www.bankrate.com/financing/investing/adviser-fees-confusing/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 21:08:08 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[financial advisers]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6590</guid>
		<description><![CDATA[Last year, as the Securities and Exchange Commission was taking comments on the matter of a fiduciary standard for broker-dealers and other financial service professionals, the Consumer Federation of America conducted a survey which found that nearly all investors, 9 out of 10, believe brokers or advisers should put their clients' interests ahead of their]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/adviser-fees-confusing/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Brokerage tables for the DIY-set</title>
		<link>http://www.bankrate.com/financing/investing/brokerage-tables-for-the-diy-set/</link>
		<comments>http://www.bankrate.com/financing/investing/brokerage-tables-for-the-diy-set/#comments</comments>
		<pubDate>Fri, 10 Jun 2011 19:20:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bankrate]]></category>
		<category><![CDATA[brokerage]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6536</guid>
		<description><![CDATA[Small investors have more power today than ever before. In the age of the Internet, investors can get real-time streaming quotes nearly anywhere plus low-cost online trades. And they can access tools that are very nearly on par with those that professional money managers use.
With Americans increasingly responsible for their retirement, investing is no longer]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/brokerage-tables-for-the-diy-set/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Investing into uncertainty</title>
		<link>http://www.bankrate.com/financing/investing/investing-into-uncertainty/</link>
		<comments>http://www.bankrate.com/financing/investing/investing-into-uncertainty/#comments</comments>
		<pubDate>Fri, 03 Jun 2011 20:48:03 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[economic indicators]]></category>
		<category><![CDATA[volatility]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6402</guid>
		<description><![CDATA[A few pieces of less than gratifying economic news came out this week. On the heels of Memorial Day, the Conference Board's Consumer Confidence Index showed a drop of 5.2 points to 60.8. And skittish consumers are never a good thing.
The ISM manufacturing index also fell, recording the lowest reading of the year at 53.5 percent.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investing-into-uncertainty/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Ignore predictions of calamity</title>
		<link>http://www.bankrate.com/financing/investing/ignore-predictions-of-calamity/</link>
		<comments>http://www.bankrate.com/financing/investing/ignore-predictions-of-calamity/#comments</comments>
		<pubDate>Fri, 27 May 2011 17:39:41 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Nouriel Roubini]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6280</guid>
		<description><![CDATA[Today Nouriel Roubini, the New York University professor who famously predicted the housing bust and recession, declared that stock markets are on the verge of a correction and predicted a slowdown in economic growth.
Speaking at a conference in Budapest, Roubini attributed the potential slowdown to high oil prices and fallout from Japan's tsunami and the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/ignore-predictions-of-calamity/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Short selling LinkedIn</title>
		<link>http://www.bankrate.com/financing/investing/short-selling-linkedin/</link>
		<comments>http://www.bankrate.com/financing/investing/short-selling-linkedin/#comments</comments>
		<pubDate>Mon, 23 May 2011 20:53:19 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[IPO]]></category>
		<category><![CDATA[short selling]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6152</guid>
		<description><![CDATA[With the meteoric rise of LinkedIn's stock price following the initial public offering, or IPO, on Thursday, talk has turned to short selling the social media network's shares.
The price of the stock is forecasted to decline on Tuesday after trading constraints are lifted, the Financial Times story "Short sellers set to target LinkedIn" reported on Monday.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/short-selling-linkedin/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Teaching asset allocation helps</title>
		<link>http://www.bankrate.com/financing/investing/teaching-asset-allocation-helps/</link>
		<comments>http://www.bankrate.com/financing/investing/teaching-asset-allocation-helps/#comments</comments>
		<pubDate>Fri, 20 May 2011 18:18:38 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=6118</guid>
		<description><![CDATA[The average 401(k) balance rose in the first quarter of this year, according to a recent study by Fidelity Investments. Fidelity, a provider of workplace retirement plans among other things, found that the average balance in its managed workplace retirement plans is up to $74,900 as of the end of April.
According to the study, employee]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/teaching-asset-allocation-helps/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investors support tax increase</title>
		<link>http://www.bankrate.com/financing/investing/investors-support-tax-increase/</link>
		<comments>http://www.bankrate.com/financing/investing/investors-support-tax-increase/#comments</comments>
		<pubDate>Fri, 13 May 2011 16:22:58 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5980</guid>
		<description><![CDATA[A recent survey of investors, the quarterly Bloomberg Global Poll of traders and analysts who subscribe to Bloomberg, has found that most respondents believe that raising taxes will be the inevitable result of America's efforts to reduce the deficit. The survey questioned investors from around the world and 64 percent agreed that it will not]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investors-support-tax-increase/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Stay safe, not risky, says CEO</title>
		<link>http://www.bankrate.com/financing/investing/stay-safe-not-risky-says-ceo/</link>
		<comments>http://www.bankrate.com/financing/investing/stay-safe-not-risky-says-ceo/#comments</comments>
		<pubDate>Fri, 06 May 2011 19:13:03 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Steve Forbes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5868</guid>
		<description><![CDATA[With today's employment numbers more people may be feeling a slight lift, but only time will tell if that feeling can be sustained. Payrolls increased by 244,000 in April, a larger than expected increase, but the unemployment rate bounced back up to 9 percent from 8.8 percent.
In his economic indicators newsletter, High Frequency Economic's chief]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/stay-safe-not-risky-says-ceo/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Forbes: Regular saving is key</title>
		<link>http://www.bankrate.com/financing/investing/forbes-regular-saving-is-key/</link>
		<comments>http://www.bankrate.com/financing/investing/forbes-regular-saving-is-key/#comments</comments>
		<pubDate>Thu, 05 May 2011 14:31:53 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Steve Forbes]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5808</guid>
		<description><![CDATA[The economy is improving but consumers remain cautious. Even CEOs and billionaire media moguls feel the near future is fraught with uncertainty.
One media mogul in particular, Steve Forbes, chairman and CEO of Forbes Media, spoke on Wednesday in Palm Beach, Fla., about the hurdles the economy faces and how individuals can manage the myriad sources]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/forbes-regular-saving-is-key/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Do fund managers reduce risk?</title>
		<link>http://www.bankrate.com/financing/investing/do-fund-managers-reduce-risk/</link>
		<comments>http://www.bankrate.com/financing/investing/do-fund-managers-reduce-risk/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 15:50:56 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5726</guid>
		<description><![CDATA[Investors face a steep learning curve when it comes to putting together their own portfolio. A workplace 401(k) may be the first time they've ever given a second of thought to stocks and bonds and they're faced with a bewildering array of mutual funds from which to choose.
According to investing theory, asset class selection is]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/do-fund-managers-reduce-risk/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Take some risks to meet goals</title>
		<link>http://www.bankrate.com/financing/investing/take-some-risks-to-meet-goals/</link>
		<comments>http://www.bankrate.com/financing/investing/take-some-risks-to-meet-goals/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 15:14:17 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[risk]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5580</guid>
		<description><![CDATA[The recession seems to have knocked out many investors' appetite for investment risk. A recent study by Northstar Research Partners and Sullivan, a communications firm, has found that over half of affluent investors, 58 percent, focus on protecting principal while only 39 percent worry about growing their money over the long term.
Affluent investors were defined]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/take-some-risks-to-meet-goals/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Index CDs revisited</title>
		<link>http://www.bankrate.com/financing/investing/index-cds-revisited/</link>
		<comments>http://www.bankrate.com/financing/investing/index-cds-revisited/#comments</comments>
		<pubDate>Fri, 15 Apr 2011 19:38:13 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[Commodities]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5435</guid>
		<description><![CDATA[Index CDs sound like a great idea: the high yields of riskier markets with the safety of a CD. Everyone wins, right? Maybe, or maybe not.
Everbank came out with a line of Marketsafe CDs in 2005. The initial CD offering was linked to the Standard &#38; Poor's 500 index and subsequent market-linked CDs branched out into]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/index-cds-revisited/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt limit looms</title>
		<link>http://www.bankrate.com/financing/investing/debt-limit-looms/</link>
		<comments>http://www.bankrate.com/financing/investing/debt-limit-looms/#comments</comments>
		<pubDate>Thu, 07 Apr 2011 14:30:32 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[debt limit]]></category>
		<category><![CDATA[government shutdown]]></category>
		<category><![CDATA[national debt limit]]></category>
		<category><![CDATA[Treasury securities]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5199</guid>
		<description><![CDATA[Even if the federal government shuts down this weekend, the wheels still need to be greased so Treasury auctions will not be impacted by a government shutdown, Bloomberg.com reported on Monday.
More worrying for the Treasury department would be a failure of Congress to raise the debt ceiling. Some House Republicans have vowed not to do]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/debt-limit-looms/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>No rush on protecting investors</title>
		<link>http://www.bankrate.com/financing/investing/no-rush-on-protecting-investors/</link>
		<comments>http://www.bankrate.com/financing/investing/no-rush-on-protecting-investors/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 16:54:20 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=5128</guid>
		<description><![CDATA[The Securities and Exchange Commission has delayed establishing rules that would impel broker-dealers -- and other investment advice-givers -- to labor under a fiduciary standard instead of the suitability standard to which they are currently held.
Mark Schoeff Jr., writing for Investmentnews.com, reported on Monday that the SEC may move toward rule-making later in the year]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/no-rush-on-protecting-investors/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tax-free income investments</title>
		<link>http://www.bankrate.com/financing/investing/tax-free-income-investments/</link>
		<comments>http://www.bankrate.com/financing/investing/tax-free-income-investments/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 16:47:41 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[municipal bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4998</guid>
		<description><![CDATA[Municipal bonds have been the subject of an unusual amount of interest in the past year. Most of the attention has been negative as a result of some dire predictions for state and local finances from high-profile analysts.
Since November, municipal bond funds have seen more money going out than coming in, according to Investment Company]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/tax-free-income-investments/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The curse of small investors</title>
		<link>http://www.bankrate.com/financing/investing/the-curse-of-small-investors/</link>
		<comments>http://www.bankrate.com/financing/investing/the-curse-of-small-investors/#comments</comments>
		<pubDate>Fri, 18 Mar 2011 13:12:06 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[market timing]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4842</guid>
		<description><![CDATA[In February, a colleague here at Bankrate jokingly wrote in an e-mail, "Uh-oh, investors are getting back into equities. Does this mean the market is doomed to fall soon?"
I hope not! But there's no denying that world events have put the market through the wringer recently.
Individual investors took a renewed interest in the stock market at]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/the-curse-of-small-investors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tweeting financial advice</title>
		<link>http://www.bankrate.com/financing/investing/tweeting-financial-advice/</link>
		<comments>http://www.bankrate.com/financing/investing/tweeting-financial-advice/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 21:03:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial planners]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4722</guid>
		<description><![CDATA[Would you like to follow your investment advisor on Twitter or friend your stockbroker on Facebook?
More than likely, you can't do that just yet. But not because financial advisers and brokers aren't interested in social media. The financial services industry is pretty heavily regulated in the way that brokers and financial advisors can interact with their clients]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/tweeting-financial-advice/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Dodd-Frank strikes oil</title>
		<link>http://www.bankrate.com/financing/investing/dodd-frank-strikes-oil/</link>
		<comments>http://www.bankrate.com/financing/investing/dodd-frank-strikes-oil/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 14:00:16 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[oil]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4548</guid>
		<description><![CDATA[It's not news that first-world companies exploit developing nations for resources and labor, but thanks to the Dodd-Frank Wall Street Reform and Consumer Protection Act, investors may have a little more insight into how companies operate in those countries, specifically in regard to oil, natural gas and minerals.
The Securities and Exchange Commission is considering rules that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/dodd-frank-strikes-oil/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When will CD rates rise?</title>
		<link>http://www.bankrate.com/financing/investing/when-will-cd-rates-rise/</link>
		<comments>http://www.bankrate.com/financing/investing/when-will-cd-rates-rise/#comments</comments>
		<pubDate>Fri, 25 Feb 2011 18:17:00 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4446</guid>
		<description><![CDATA[In case you hadn't noticed, CD rates are abysmally low and have been for quite some time. Rates are also likely to stay low through 2011.
To find out why -- and get some hints as to when rates may show significant improvement – one need only look to how CD rates are set.
CD rates can]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/when-will-cd-rates-rise/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Few trust the finance industry</title>
		<link>http://www.bankrate.com/financing/investing/few-trust-the-finance-industry/</link>
		<comments>http://www.bankrate.com/financing/investing/few-trust-the-finance-industry/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 17:11:03 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[financial adviser]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4390</guid>
		<description><![CDATA[A new survey has found that nearly half of investors trusted their financial services company less in 2010 than they did in 2009.
It's no great mystery why investors would be fed up with the antics of big banks and investment firms but the survey asked anyway.
The Edelman Trust in U.S. Financial Services Survey found that investors]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/few-trust-the-finance-industry/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are today&#8217;s CD rates worth it?</title>
		<link>http://www.bankrate.com/financing/investing/are-todays-cd-rates-worth-it/</link>
		<comments>http://www.bankrate.com/financing/investing/are-todays-cd-rates-worth-it/#comments</comments>
		<pubDate>Fri, 18 Feb 2011 14:54:06 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4326</guid>
		<description><![CDATA[CD rates have gone up over the past 12 weeks in Bankrate's weekly rate surveys.
Don't rush out to the bank just yet; yields have increased by mere fractions of a percent, one basis point at a time. The typical yield on a five-year CD has increased from 1.51 percent to 1.62 percent over three months,]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/are-todays-cd-rates-worth-it/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Which online brokerage?</title>
		<link>http://www.bankrate.com/financing/investing/which-online-brokerage/</link>
		<comments>http://www.bankrate.com/financing/investing/which-online-brokerage/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 14:20:46 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[online brokers]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4244</guid>
		<description><![CDATA[What was life like before the Internet -- particularly in regards to investing?
Calling a broker, following stocks in a newspaper, actually leaving your home to open a brokerage account, they are all relics by today's standards.
Online brokerages democratized investing and gave everyone the tools they need to invest like a pro, or very nearly. All that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/which-online-brokerage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risks of long-term CDs</title>
		<link>http://www.bankrate.com/financing/investing/risks-of-long-term-cds/</link>
		<comments>http://www.bankrate.com/financing/investing/risks-of-long-term-cds/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 12:00:13 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CD rates]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4154</guid>
		<description><![CDATA[After steady declines for more than three years, CD rates appear to have hit bottom -- hopefully. The Federal Open Market Committee began slashing the Fed funds target rate in September of 2007. CD rates began to fall thereafter and here we are, about 40 months later, with the average yield on a one-year CD]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/risks-of-long-term-cds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What happens if an ETF folds?</title>
		<link>http://www.bankrate.com/financing/investing/what-happens-if-an-etf-folds/</link>
		<comments>http://www.bankrate.com/financing/investing/what-happens-if-an-etf-folds/#comments</comments>
		<pubDate>Wed, 09 Feb 2011 16:51:15 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4134</guid>
		<description><![CDATA[Investors love exchange-traded funds, and that love just keeps growing. ETF inflows totaled $10.3 billion for the month of January, according to National Stock Exchange, a provider of exchange services.
Not only do assets continue to pour into ETFs but the investments themselves have multiplied like rabbits. At the end of January 2011, National Stock Exchange]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/what-happens-if-an-etf-folds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Study: active investors not dumb</title>
		<link>http://www.bankrate.com/financing/investing/study-active-investors-not-dumb/</link>
		<comments>http://www.bankrate.com/financing/investing/study-active-investors-not-dumb/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 12:00:44 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[actively managed mutual funds]]></category>
		<category><![CDATA[index funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4052</guid>
		<description><![CDATA[To paraphrase Henry Louis Mencken, no one ever went broke underestimating the intelligence of the American people.
Does that explain the overwhelming popularity of actively managed mutual funds compared to index funds?
No – according to new research from Robert F. Stambaugh, a finance professor at the Wharton School of the University of Pennsylvania.
Stambaugh has found that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/study-active-investors-not-dumb/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Balancing risk and reward</title>
		<link>http://www.bankrate.com/financing/investing/balancing-risk-and-reward/</link>
		<comments>http://www.bankrate.com/financing/investing/balancing-risk-and-reward/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 12:00:04 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing risks]]></category>
		<category><![CDATA[investing strategies]]></category>
		<category><![CDATA[wealthy Americans]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=4008</guid>
		<description><![CDATA[Many people prefer to err on the side of caution when it comes to investing. In the aftermath of the grim bear market of 2008-2009, it's difficult to question that impulse.
The most recent Merrill Lynch Affluent Insights Quarterly survey found that nearly half of affluent Americans consider themselves conservative investors.
The survey defines affluent Americans as]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/balancing-risk-and-reward/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Are munis that risky now?</title>
		<link>http://www.bankrate.com/financing/investing/are-munis-that-risky-now/</link>
		<comments>http://www.bankrate.com/financing/investing/are-munis-that-risky-now/#comments</comments>
		<pubDate>Fri, 28 Jan 2011 12:00:12 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[municipal bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3928</guid>
		<description><![CDATA[Municipal bonds continue to hog the spotlight as the debate continues over just how bad 2011 will be for state and local governments.
The Fundmastery Blog on Marketwatch.com neatly summed up what's going on in muni finance in the post "Muni bonds taking a double hit."
On Monday, Kurt Brouwer wrote, "Muni bond investors are wondering what]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/are-munis-that-risky-now/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investors need high standards</title>
		<link>http://www.bankrate.com/financing/investing/investors-need-high-standards/</link>
		<comments>http://www.bankrate.com/financing/investing/investors-need-high-standards/#comments</comments>
		<pubDate>Mon, 24 Jan 2011 22:02:36 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3866</guid>
		<description><![CDATA[Last summer, the Securities and Exchange Commission was empowered by the Dodd-Frank Act to study the need for a higher standard of care when giving financial advice to investors.
Currently only registered investment advisors are held to the most stringent standards, known as the fiduciary standard. They must work in the client's best interest and avoid]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investors-need-high-standards/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Uniform fiduciary standard</title>
		<link>http://www.bankrate.com/financing/investing/uniform-fiduciary-standard/</link>
		<comments>http://www.bankrate.com/financing/investing/uniform-fiduciary-standard/#comments</comments>
		<pubDate>Mon, 24 Jan 2011 14:10:57 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3844</guid>
		<description><![CDATA[On Friday, the Securities and Exchange Commission delivered their study on the standards of care for providers of investment advice.
After six months of study, the SEC recommended a uniform fiduciary standard for broker-dealers and investment advisers "when providing personalized investment advice about securities to retail customers," the report stated.
The study recommended that the new standard]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/uniform-fiduciary-standard/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Deadline for fiduciary duty</title>
		<link>http://www.bankrate.com/financing/investing/deadline-for-fiduciary-duty/</link>
		<comments>http://www.bankrate.com/financing/investing/deadline-for-fiduciary-duty/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 12:00:39 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[fiduciary standard]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3784</guid>
		<description><![CDATA[It's finally here, the day the Securities and Exchange Commission delivers the fruits of a six-month study on standards of care to Congress along with their recommendations.
It will be interesting to see what happens. 
On the one hand, some industry groups oppose a strict fiduciary standard and instead feel a disclosure-based standard would suffice to protect]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/deadline-for-fiduciary-duty/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Investing in alternatives</title>
		<link>http://www.bankrate.com/financing/investing/investing-in-alternatives/</link>
		<comments>http://www.bankrate.com/financing/investing/investing-in-alternatives/#comments</comments>
		<pubDate>Wed, 19 Jan 2011 13:00:18 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[alternative investments]]></category>
		<category><![CDATA[hedge funds]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3736</guid>
		<description><![CDATA[Hedge funds are so 2000s. The exclusive investments of the rich and richer may be on their way out; in their place institutional investors and investment advisors are buying alternative mutual funds and ETFs.
A survey by the investment research company Morningstar, and Barron's, the investment magazine, found that the liquidity and transparency of mutual funds]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investing-in-alternatives/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Flash crash revisited</title>
		<link>http://www.bankrate.com/financing/investing/flash-crash-revisited/</link>
		<comments>http://www.bankrate.com/financing/investing/flash-crash-revisited/#comments</comments>
		<pubDate>Fri, 14 Jan 2011 15:57:34 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[flash crash]]></category>
		<category><![CDATA[high frequency trading]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3678</guid>
		<description><![CDATA[Investing is not always as straightforward as it seems. As some may recall, the world of high-frequency trading was thrust into the spotlight last May when the Dow Jones plunged nearly 700 points in just a few minutes.
The Securities and Exchange Commission investigated the incident and traced it back to one large sell order of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/flash-crash-revisited/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Say-on-pay coming soon</title>
		<link>http://www.bankrate.com/financing/investing/say-on-pay-coming-soon/</link>
		<comments>http://www.bankrate.com/financing/investing/say-on-pay-coming-soon/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 13:00:40 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[corporate governance]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[Dodd-Frank Wall Street Reform and Consumer Protection Act]]></category>
		<category><![CDATA[say on pay]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3604</guid>
		<description><![CDATA[Shareholders were given the right to vote on executive pay in the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Every one, two or three years, according to the law, investors will be able to vote executive compensation packages up or down. The vote can be nonbinding or binding.
Additionally, at least every six years, shareholders will]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/say-on-pay-coming-soon/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Many muni defaults in 2011?</title>
		<link>http://www.bankrate.com/financing/investing/many-muni-defaults-in-2011/</link>
		<comments>http://www.bankrate.com/financing/investing/many-muni-defaults-in-2011/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 13:00:25 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[municipal bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3518</guid>
		<description><![CDATA[Coming months may be stressful for some municipalities but Moody's Investor Service does not expect any state governments to default on Moody's-rated debt in 2011.
The ratings agency expects only a few local governments to default on debt obligations this year.
In a new report released Thursday, Moody's concluded that most U.S. municipalities are well-equipped to ride]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/many-muni-defaults-in-2011/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>SEC&#8217;s fiduciary duty clock to run out</title>
		<link>http://www.bankrate.com/financing/investing/could-the-sec-decide-not-to-impose-fiduciary-duty-on-brokers/</link>
		<comments>http://www.bankrate.com/financing/investing/could-the-sec-decide-not-to-impose-fiduciary-duty-on-brokers/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 13:00:48 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dodd-Frank Act]]></category>
		<category><![CDATA[fiduciary standard]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3476</guid>
		<description><![CDATA[Last year the Dodd-Frank Wall Street Reform and Consumer Protection Act passed into law. Among the many other financial issues it dealt with, the act empowered the SEC to study the need for fiduciary standards for broker-dealers and then pass a rule imposing the standard.
Congress gave the SEC six months to look at the issue.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/could-the-sec-decide-not-to-impose-fiduciary-duty-on-brokers/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>2011: Better or worse?</title>
		<link>http://www.bankrate.com/financing/investing/2011-better-or-worse/</link>
		<comments>http://www.bankrate.com/financing/investing/2011-better-or-worse/#comments</comments>
		<pubDate>Thu, 30 Dec 2010 13:00:17 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[2011]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3431</guid>
		<description><![CDATA[Nearly half of Americans, 45 percent, believe the economy will stay the same in 2011, the Harris Poll has found. The Harris Poll is conducted by pollster Harris Interactive.  
Twenty-nine percent of Americans believe the economy will get better while 26 percent say it will get worse.
Despite those somewhat dour sentiments, there seem to be indications that]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/2011-better-or-worse/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Most investors unfamiliar with ETFs</title>
		<link>http://www.bankrate.com/financing/investing/most-investors-unfamiliar-with-etfs/</link>
		<comments>http://www.bankrate.com/financing/investing/most-investors-unfamiliar-with-etfs/#comments</comments>
		<pubDate>Wed, 29 Dec 2010 13:00:44 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3408</guid>
		<description><![CDATA[Exchange-traded funds were introduced back in 1993 and have enjoyed increasing popularity ever since. Despite that popularity and accolades from the investment industry, most investors say they don't know what ETFs are.
That's according to a recent survey by Mintel, a market research company.
The survey found that only 5 percent of respondents own ETFs. Sixty-five percent of]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/most-investors-unfamiliar-with-etfs/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Investors rethinking bond funds</title>
		<link>http://www.bankrate.com/financing/investing/investors-rethinking-bond-funds/</link>
		<comments>http://www.bankrate.com/financing/investing/investors-rethinking-bond-funds/#comments</comments>
		<pubDate>Fri, 24 Dec 2010 13:00:52 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[10-year Treasury]]></category>
		<category><![CDATA[bond funds]]></category>
		<category><![CDATA[bonds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3349</guid>
		<description><![CDATA[Bond mutual fund investors may be warming to the possibility of an improving economy. Last week funds saw the largest withdrawals in two years, Bloomberg.com reported on Wednesday.
According to Investment Company Institute, or ICI, statistics, investors pulled $8.62 billion out of bond mutual funds the week of Dec. 15.
Institutional investors may have been mostly responsible]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investors-rethinking-bond-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Resolve to invest this New Year</title>
		<link>http://www.bankrate.com/financing/investing/resolve-to-invest-this-new-year/</link>
		<comments>http://www.bankrate.com/financing/investing/resolve-to-invest-this-new-year/#comments</comments>
		<pubDate>Wed, 22 Dec 2010 16:07:07 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[New Year's resolutions]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3338</guid>
		<description><![CDATA[With a new year just around the corner, it's time for Americans to consider setting some resolutions. This year, in addition to revisiting perennial favorites like losing weight, eating healthier and exercising more, some investing resolutions may be in order. 
If you've been remiss in getting your financial house in order, the beginning of the year]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/resolve-to-invest-this-new-year/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2011 looking rosy</title>
		<link>http://www.bankrate.com/financing/investing/2011-looking-rosy/</link>
		<comments>http://www.bankrate.com/financing/investing/2011-looking-rosy/#comments</comments>
		<pubDate>Wed, 15 Dec 2010 13:00:56 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[2011]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[predictions]]></category>
		<category><![CDATA[surveys and polls]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3142</guid>
		<description><![CDATA[The end of the year is the time when every publication likes to roll out their predictions for next year. Don't worry, Bankrate's 2011 outlook story is on the way.
A survey of 55 economists by the Wall Street Journal has found that most are optimistic about  economic growth in the U.S. next year. The survey]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/2011-looking-rosy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>CD rates approaching bottom?</title>
		<link>http://www.bankrate.com/financing/investing/cd-rates-approaching-bottom/</link>
		<comments>http://www.bankrate.com/financing/investing/cd-rates-approaching-bottom/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 19:11:32 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD rates]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=3052</guid>
		<description><![CDATA[ For three weeks, CD rates in the weekly Bankrate rate survey remained relatively stable. This week they lost ground again. Since the beginning of January, the average one-year CD yield has plunged 32 basis points, from 0.81 percent Jan. 6, to 0.49 percent on Wednesday.
The decline in the average yield for five-year CDs has been even]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/cd-rates-approaching-bottom/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The dividend aristocrats: antidote to low interest rates?</title>
		<link>http://www.bankrate.com/financing/investing/the-dividend-aristocrats-antidote-to-low-interest-rates/</link>
		<comments>http://www.bankrate.com/financing/investing/the-dividend-aristocrats-antidote-to-low-interest-rates/#comments</comments>
		<pubDate>Fri, 03 Dec 2010 17:44:12 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[dividend aristocrats]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2970</guid>
		<description><![CDATA[Stodgy old dividend-paying stocks have received a lot of attention recently. With bond yields dragging and CD rates stagnating at record lows, it's no wonder.
For investors seeking income-producing investments, "I think in today's environment that people should be focused on dividend-paying stocks. You read it all over the place -- but don't reach for the]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/the-dividend-aristocrats-antidote-to-low-interest-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bright days for the stock market?</title>
		<link>http://www.bankrate.com/financing/investing/bright-days-for-the-stock-market/</link>
		<comments>http://www.bankrate.com/financing/investing/bright-days-for-the-stock-market/#comments</comments>
		<pubDate>Wed, 01 Dec 2010 12:00:19 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[survey]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2902</guid>
		<description><![CDATA[Just three years ago the world was entering a terrible economic crisis. If you don't remember, the official start date of the recession was December 2007, according to the National Bureau of Economic Research.
And now, look at us!
Well, that's enough self-reflection. Unfortunately, things are not quite copacetic just yet in the economy.
But on the bright]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/bright-days-for-the-stock-market/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Should you rebalance your portfolio?</title>
		<link>http://www.bankrate.com/financing/investing/should-you-rebalance-your-portfolio/</link>
		<comments>http://www.bankrate.com/financing/investing/should-you-rebalance-your-portfolio/#comments</comments>
		<pubDate>Fri, 26 Nov 2010 13:00:28 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2850</guid>
		<description><![CDATA[It's a little bit counterintuitive to sell off your winners and buy more of the losers. But for investors with strategic asset allocation plans, rebalancing can boost returns over time.
Most people plan to buy low and sell high. Throw some fear and greed into the mix and that plan goes out the window. With regular]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/should-you-rebalance-your-portfolio/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Invest or pay off debt?</title>
		<link>http://www.bankrate.com/financing/investing/invest-or-pay-off-debt/</link>
		<comments>http://www.bankrate.com/financing/investing/invest-or-pay-off-debt/#comments</comments>
		<pubDate>Wed, 24 Nov 2010 13:00:47 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[bonus]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Google]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Wall Street]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2798</guid>
		<description><![CDATA['Tis the season for bonuses -- for some lucky workers -- and that begs the question of what to do with that bundle of cash: invest it or pay down debt?
Some extremely fortunate employees at Queensland Nickel in Australia won't have to worry about that, as their $10 million worth of Christmas bonuses were delivered]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/invest-or-pay-off-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>CD investing traps</title>
		<link>http://www.bankrate.com/financing/investing/cd-investing-traps/</link>
		<comments>http://www.bankrate.com/financing/investing/cd-investing-traps/#comments</comments>
		<pubDate>Fri, 19 Nov 2010 13:00:06 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2680</guid>
		<description><![CDATA[CDs seem like the most basic of investments, but they can still trip up unwary investors. And no wonder, not every CD is a straightforward investment. They can come with confusing terminology and sometimes long prospectuses.
In a short trip to the bank, investors can unwittingly lock themselves into CD mistakes.  
But, those sticky mix-ups are]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/cd-investing-traps/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The mystery of ETFs</title>
		<link>http://www.bankrate.com/financing/investing/the-mystery-of-etfs/</link>
		<comments>http://www.bankrate.com/financing/investing/the-mystery-of-etfs/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 20:12:38 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2654</guid>
		<description><![CDATA[A controversial study released November 8 has called into question the safety of exchange-traded funds.
Exchange-traded funds are similar to mutual funds in that they are made up of a bundle of stocks or bonds, but they trade like stocks. However, unlike stocks or mutual funds, shares of an ETF do not represent ownership in companies.]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/the-mystery-of-etfs/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>No need to worry about Fannie and Freddie bonds</title>
		<link>http://www.bankrate.com/financing/investing/no-need-to-worry-about-fannie-and-freddie-bonds/</link>
		<comments>http://www.bankrate.com/financing/investing/no-need-to-worry-about-fannie-and-freddie-bonds/#comments</comments>
		<pubDate>Fri, 12 Nov 2010 16:03:43 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[agency bonds]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[mortgage-backed securities]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2564</guid>
		<description><![CDATA[Fannie Mae and Freddie Mac have been in the news more than Lindsay Lohan since they were placed in conservatorship in 2008. What does that mean for bond investors?
Most recently, ratings agency Standard &#038; Poor's reported that overhauling the Federal Home Loan Mortgage Corporation, aka Freddie Mac, and the Federal National Mortgage Association, aka Fannie]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/no-need-to-worry-about-fannie-and-freddie-bonds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Socially responsible investing picks up through recession</title>
		<link>http://www.bankrate.com/financing/investing/socially-responsible-investing-picks-up-through-recession/</link>
		<comments>http://www.bankrate.com/financing/investing/socially-responsible-investing-picks-up-through-recession/#comments</comments>
		<pubDate>Wed, 10 Nov 2010 19:56:16 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[socially responsible investing]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2500</guid>
		<description><![CDATA[A new study has found that socially responsible investing, or SRI, continues to gain steam in the U.S. marketplace.
The Report on Socially Responsible Investing Trends in the United States from the Social Investment Forum found that SRI assets are up. Nearly $1 of every $8, or 12.2 percent of the $25.2 trillion in total assets under]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/socially-responsible-investing-picks-up-through-recession/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Brokers: fiduciary duty will cost consumers</title>
		<link>http://www.bankrate.com/financing/investing/brokers-fiduciary-duty-will-cost-consumers/</link>
		<comments>http://www.bankrate.com/financing/investing/brokers-fiduciary-duty-will-cost-consumers/#comments</comments>
		<pubDate>Tue, 09 Nov 2010 19:31:02 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fiduciary standard]]></category>
		<category><![CDATA[Frank-Dodd Act]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2492</guid>
		<description><![CDATA[If you ask some broker-dealers, as well as insurance agents, a uniform fiduciary standard is not in consumers' best interests. Disclosing commissions and increased transparency of fee structures will result in higher costs for consumers as well as reduced choice. Consumer advocates disagree.
The Dodd-Frank Act, signed into law in July, empowered the Securities and Exchange]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/brokers-fiduciary-duty-will-cost-consumers/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Where to invest matured CDs</title>
		<link>http://www.bankrate.com/financing/investing/where-to-invest-matured-cds/</link>
		<comments>http://www.bankrate.com/financing/investing/where-to-invest-matured-cds/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 15:22:37 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[indexed CDS]]></category>
		<category><![CDATA[structured CDs]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2430</guid>
		<description><![CDATA[For the foreseeable future, savers and investors in CDs will find themselves with limited options. The twin pressures of persistently low interest rates combined with rising food and energy prices can drive investors to take on more risk than they would prefer, whether that's by extending maturities, taking on more credit risk or finding more volatile]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/where-to-invest-matured-cds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Fixed-income investors in a jam</title>
		<link>http://www.bankrate.com/financing/investing/fixed-income-investors-in-a-jam/</link>
		<comments>http://www.bankrate.com/financing/investing/fixed-income-investors-in-a-jam/#comments</comments>
		<pubDate>Tue, 02 Nov 2010 18:57:20 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[QE2]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2358</guid>
		<description><![CDATA[The sky is falling. Or, at least, the sky in bond-land may be falling.
Or maybe not -- but according to Paul Farrell at Marketwatch.com, if you ask the Oracle of Omaha, Warren Buffett, or economist Marc Faber, now is not the time to be bullish on bonds.
In "Sell bonds now, Fed's QE2 is doomed to]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/fixed-income-investors-in-a-jam/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investors love TIPS</title>
		<link>http://www.bankrate.com/financing/investing/investors-love-tips/</link>
		<comments>http://www.bankrate.com/financing/investing/investors-love-tips/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 20:16:02 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[TIPS]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2244</guid>
		<description><![CDATA[The search for yield is tough, but is it so tough that investors would flock to bonds with a negative yield?
On Monday, they did just that. At auction, $10 billion worth of Treasury Inflation-Protected Securities, or TIPS, were snatched up by investors paying $105.50 for the 0.5 percent coupon over five years, the New York Times]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/investors-love-tips/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The case for dynamic asset allocation</title>
		<link>http://www.bankrate.com/financing/investing/the-case-for-dynamic-asset-allocation/</link>
		<comments>http://www.bankrate.com/financing/investing/the-case-for-dynamic-asset-allocation/#comments</comments>
		<pubDate>Tue, 26 Oct 2010 18:39:01 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[asset allocation]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2210</guid>
		<description><![CDATA[According to modern portfolio theory, a portfolio's returns are largely driven by asset allocation.
Asset allocation relies on diversification to mitigate risk. But, as Lionel Martellini writes in "A better approach to risk management," for the Financial Times, "Diversification cannot be expected to work in market downturns when all correlations between risky securities and asset classes]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/the-case-for-dynamic-asset-allocation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Unusual investments</title>
		<link>http://www.bankrate.com/financing/investing/unusual-investments/</link>
		<comments>http://www.bankrate.com/financing/investing/unusual-investments/#comments</comments>
		<pubDate>Fri, 22 Oct 2010 14:38:49 +0000</pubDate>
		<dc:creator>Sheyna Steiner</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[collectibles]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://www.bankrate.com/financing/?p=2152</guid>
		<description><![CDATA[In the 1600s, the Dutch went crazy for tulip bulbs. In the book "History of Greed," David E. Y. Sarna calls the scandal the "first well-documented securities manipulation fraud." For two years, the Netherlands experienced a boom and bust in the tulip bulb market. The bust came in 1637. At its heyday, people bet their]]></description>
		<wfw:commentRss>http://www.bankrate.com/financing/investing/unusual-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

