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	<title>Best CD Rates &#187; Investment Education</title>
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	<link>http://www.bestratecds.com</link>
	<description>Best Rate CDs - Find the Highest certificate of deposit rates</description>
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		<title>Safe Alternatives to Financial Advisors</title>
		<link>http://www.bestratecds.com/safe-alternatives-to-financial-advisors/</link>
		<comments>http://www.bestratecds.com/safe-alternatives-to-financial-advisors/#comments</comments>
		<pubDate>Tue, 25 May 2010 03:45:30 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=608</guid>
		<description><![CDATA[With the way the market has been for the past few weeks, one would wonder how useful financial advisors really are. It&#8217;s going to depend a lot on your expectations and needs.

There are two types of financial advisors out there; service fee or no service fee. Either way, the amount, or lack of amount, typically [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Money Lying Around: How to Properly Invest Your Tax Return</title>
		<link>http://www.bestratecds.com/how-to-properly-invest-your-tax-return/</link>
		<comments>http://www.bestratecds.com/how-to-properly-invest-your-tax-return/#comments</comments>
		<pubDate>Tue, 20 Apr 2010 12:20:26 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=577</guid>
		<description><![CDATA[Come the new fiscal year, it&#8217;s so easy to spend that federal return on that hot new item you wanted, particularly with companies marketing their products to you like you absolutely need them, like Apple&#8217;s &#8220;magical&#8221; iPad.  So what, exactly, do you do with money that you never really planned to have in the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ESPP: Employee Stock Purchasing Plans</title>
		<link>http://www.bestratecds.com/espp-employee-stock-purchasing-plans/</link>
		<comments>http://www.bestratecds.com/espp-employee-stock-purchasing-plans/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 08:02:40 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=447</guid>
		<description><![CDATA[
Many companies give their employees the option to engage in ESPP (employee stock purchase program/plan).  The specific details vary by employer.
If your company offers ESPP at a discount then it makes sense to take advantage of it as long as you can live with the impact on cash flow.  The profit from the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401k (Tax Deferred Retirement Plans)</title>
		<link>http://www.bestratecds.com/401k-tax-deferred-retirement-plans/</link>
		<comments>http://www.bestratecds.com/401k-tax-deferred-retirement-plans/#comments</comments>
		<pubDate>Tue, 28 Apr 2009 07:06:05 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=442</guid>
		<description><![CDATA[401k and similar employer provided retirement investment plans can be a great asset for those that want to put some money away for their future.  
Benefits of contributing to retirement funds

Free money:  If your employer matches any portion of your contribution then not electing to go with a 401k or similar plan is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Citigroup&#8217;s New 50 Million Dollar Jet</title>
		<link>http://www.bestratecds.com/citigroups-new-50-million-dollar-jet/</link>
		<comments>http://www.bestratecds.com/citigroups-new-50-million-dollar-jet/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 06:38:30 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[5 yr cd rates]]></category>
		<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[Citibank Bank Rates]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=199</guid>
		<description><![CDATA[Citigroup ordered a brand spankin new $50 million dollar corporate jet 4 years ago and was scheduled to take possession of it this year.  However there was pressure from President Barack Obama dissuaded the deal.  Citigroup already received $50 billion dollars in federal bailout money.  Even though they claimed that the bailout [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Happy Chinese New Year!</title>
		<link>http://www.bestratecds.com/happy-chinese-new-year/</link>
		<comments>http://www.bestratecds.com/happy-chinese-new-year/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 08:00:42 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[Online Bank Links]]></category>
		<category><![CDATA[Earth Ox]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=193</guid>
		<description><![CDATA[2009 is the year of the Earth Ox.
Those that are fortunate enough to receive red envelopes for Chinese New Year should consider investing their money this year.  If you like to have 24&#215;7 account access then electronic banking is the way to go.  Lower overhead equates to higher interest rates for consumers.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Automatic Renewal of your CD</title>
		<link>http://www.bestratecds.com/automatic-renewal-of-your-cd/</link>
		<comments>http://www.bestratecds.com/automatic-renewal-of-your-cd/#comments</comments>
		<pubDate>Sun, 18 Jan 2009 06:17:01 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[cd grace period]]></category>
		<category><![CDATA[cd maturity]]></category>
		<category><![CDATA[cd renewal]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=90</guid>
		<description><![CDATA[Many banks have opted to have your certificate of deposit renew automatically upon maturity.  Some banks, such as ING Direct, will even send you a notice in the mail to give you fair warning that your C.D. is maturing and that it is set to auto renew into the same term deposit.  If [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/automatic-renewal-of-your-cd/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>CDARS</title>
		<link>http://www.bestratecds.com/cdars/</link>
		<comments>http://www.bestratecds.com/cdars/#comments</comments>
		<pubDate>Fri, 16 Jan 2009 23:16:49 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=72</guid>
		<description><![CDATA[CDARS, the Certificate of Deposit Account Registry Service, is a product that may be offered at a local bank.  It is one way to reap the benefits of FDIC insurance with a large deposit.  A bank that offers CDARS will give you one interest rate while they spread your money across many other [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/cdars/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risk Management</title>
		<link>http://www.bestratecds.com/risk-management/</link>
		<comments>http://www.bestratecds.com/risk-management/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 22:34:03 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[Managage risks]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=68</guid>
		<description><![CDATA[Investing in CDs is a safe investment when an FDIC (Federal Deposit Insurance Corporation) bank is chosen for your electronic banking.  The fed raised the limits of FDIC insurance to $250,000 through the end of 2009.  If a financial institution that you are banking with fails, the FDIC insurance will protect your money [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/risk-management/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FDIC raises coverage to $250,000</title>
		<link>http://www.bestratecds.com/fdic-raises-coverage-to-250000/</link>
		<comments>http://www.bestratecds.com/fdic-raises-coverage-to-250000/#comments</comments>
		<pubDate>Tue, 21 Oct 2008 20:03:19 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[FDIC Insurance]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2008/fdic-raises-coverage-to-250000/</guid>
		<description><![CDATA[The FDIC has raised their insurance limits on deposit accounts from $100,000 to $250,000.  This means joint accounts can now be covered up to $500,000 in the event of a bank failure.
This should help build some confidence in our nation&#8217;s banks and possibly encourage people to save some money.  Here&#8217;s the breakdown from [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Taking advantage of FDIC: Protecting your money</title>
		<link>http://www.bestratecds.com/taking-advantage-of-fdic-protecting-your-money/</link>
		<comments>http://www.bestratecds.com/taking-advantage-of-fdic-protecting-your-money/#comments</comments>
		<pubDate>Sun, 21 Sep 2008 18:07:37 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[FDIC Insurance]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2008/taking-advantage-of-fdic-protecting-your-money/</guid>
		<description><![CDATA[The FDIC (Federal Deposit Insurance Corporation) is a government institution that insures bank deposit accounts up to 100,000 in the event of a bank failure.  Most people know that their normal savings, checking, or CD accounts are covered but there are ways of getting more coverage.  If you have over 100,000 in investments [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/taking-advantage-of-fdic-protecting-your-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Indymac Bank Fails-FDIC Insured</title>
		<link>http://www.bestratecds.com/indymac-bank-fails-fdic-insured/</link>
		<comments>http://www.bestratecds.com/indymac-bank-fails-fdic-insured/#comments</comments>
		<pubDate>Sat, 12 Jul 2008 17:21:37 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[Bank Failures]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2008/indymac-bank-fails-fdic-insured/</guid>
		<description><![CDATA[Indymac Bank has been shut down however those that had up to the maximum insured amount by the FDIC should be reimbursed 100%.  The FDIC will cover up to $100,000 for deposit accounts and up to $250,000 for some IRA accounts.  In some cases, amounts over $100000 are also insured (the FDIC has [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/indymac-bank-fails-fdic-insured/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fed cuts the Federal Funds Rate</title>
		<link>http://www.bestratecds.com/fed-cuts-the-federal-funds-rate/</link>
		<comments>http://www.bestratecds.com/fed-cuts-the-federal-funds-rate/#comments</comments>
		<pubDate>Wed, 03 Oct 2007 01:09:36 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2007/fed-cuts-the-federal-funds-rate/</guid>
		<description><![CDATA[The Federal Reserve recently cut the Federal Funds Rate by 1/2 a percent, from 5.25% to 4.75%.  This rate is the rate at which banks charge each other for overnight loans.
Banks will now in turn lower their prime rate, which is the best rate that they offer on loans to their customers.
This means a [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/fed-cuts-the-federal-funds-rate/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Compounding Interest Rates</title>
		<link>http://www.bestratecds.com/compounding-interest-rates/</link>
		<comments>http://www.bestratecds.com/compounding-interest-rates/#comments</comments>
		<pubDate>Thu, 24 May 2007 07:47:52 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2007/compounding-interest-rates/</guid>
		<description><![CDATA[Many people don’t understand the awesome power of compounding interest.  Simply put, compounding interest is making more money with the interest gained from your investment.  This way the total principle that you have in the account to gain interest goes up all the time.  Even though the interest added is small amounts [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a CD?</title>
		<link>http://www.bestratecds.com/what-is-a-cd/</link>
		<comments>http://www.bestratecds.com/what-is-a-cd/#comments</comments>
		<pubDate>Thu, 24 May 2007 07:46:50 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/2007/what-is-a-cd/</guid>
		<description><![CDATA[
CD is a common abbreviation for a Certificate of Deposit.  CDs are one of many investment products offered by banks however it is one of the simplest to understand.  Banks offer CDs to customers to guarantee a specific interest rate or APY for the customer for a certain deposit amount.

CD INTEREST RATES
CD interest [...]]]></description>
		<wfw:commentRss>http://www.bestratecds.com/what-is-a-cd/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Basics of Online Savings and CDs</title>
		<link>http://www.bestratecds.com/the-basics-of-online-savings-and-cds/</link>
		<comments>http://www.bestratecds.com/the-basics-of-online-savings-and-cds/#comments</comments>
		<pubDate>Thu, 24 May 2007 05:59:32 +0000</pubDate>
		<dc:creator>Best Rate Finder</dc:creator>
				<category><![CDATA[Investment Education]]></category>

		<guid isPermaLink="false">http://www.bestratecds.com/?p=4</guid>
		<description><![CDATA[Make sure you’re making money instead of spending it
That’s right, you can lose money in an “investment” account if you’re not careful.  Inspect the fine print whenever you sign up for a new investment account, whether it be savings, checking, CD, money market, and even 401k and retirement plans.  Make sure that you [...]]]></description>
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		<slash:comments>4</slash:comments>
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