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    <title>Emigrant Guides</title>
    <link>http://guides.emigrantdirect.com/</link>
    <description>Everything you need to know. It's just that easy!</description>
    <ttl>120</ttl>
    <language>en-us</language>
    <managingEditor>Articles@DirectoryM.com</managingEditor>
    <webMaster>Articles@DirectoryM.com</webMaster>
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      <title>Emigrant Guides</title>
      <link>http://guides.emigrantdirect.com/</link>
      <description>Everything you need to know. It's just that easy!</description>
      <url>http://guides.emigrantdirect.com/App_Themes/Emigrant/Images/logo.gif</url>
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    <item>
      <title>Business Bank Accounts</title>
      <description>A business bank account is used for business operations and managing cash related to your business.</description>
      <link>http://guides.emigrantdirect.com/Business_Bank_Accounts-a1002980.html</link>
      <guid>http://guides.emigrantdirect.com/Business_Bank_Accounts-a1002980.html</guid>
    </item>
    <item>
      <title>Certificates Of Deposits</title>
      <description>All certificates of deposit will have a maturity date. This is the date when you can withdraw the money without having to pay a penalty.</description>
      <link>http://guides.emigrantdirect.com/Certificates_Of_Deposits-a962021.html</link>
      <guid>http://guides.emigrantdirect.com/Certificates_Of_Deposits-a962021.html</guid>
    </item>
    <item>
      <title>Balance Transfers</title>
      <description>Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card. </description>
      <link>http://guides.emigrantdirect.com/Balance_Transfers-a961623.html</link>
      <guid>http://guides.emigrantdirect.com/Balance_Transfers-a961623.html</guid>
    </item>
    <item>
      <title>Choosing a bank account</title>
      <description>Opening a bank account can often be confusing, since there are so many types. In this article, we'll explain various kinds of banks and bank accounts, to help you select one that is right for you.</description>
      <link>http://guides.emigrantdirect.com/Choosing_a_bank_account-a959323.html</link>
      <guid>http://guides.emigrantdirect.com/Choosing_a_bank_account-a959323.html</guid>
    </item>
    <item>
      <title>Savings Account</title>
      <description>Learn how to manage your money, as well as which type of savings account to use when saving this money.</description>
      <link>http://guides.emigrantdirect.com/Savings_Account-a941857.html</link>
      <guid>http://guides.emigrantdirect.com/Savings_Account-a941857.html</guid>
    </item>
    <item>
      <title>Nest Eggs</title>
      <description>An explanation of Nest Eggs, their contribution to IRAS, and what to know before investing.</description>
      <link>http://guides.emigrantdirect.com/Nest_Eggs-a941614.html</link>
      <guid>http://guides.emigrantdirect.com/Nest_Eggs-a941614.html</guid>
    </item>
    <item>
      <title>Certificate of Deposits</title>
      <description>An overview of Certificate of Deposits, including interest rates, types of CD’s, and terms and conditions associated with CD’s.</description>
      <link>http://guides.emigrantdirect.com/Certificate_of_Deposits-a941613.html</link>
      <guid>http://guides.emigrantdirect.com/Certificate_of_Deposits-a941613.html</guid>
    </item>
    <item>
      <title>Money Market Funds</title>
      <description>Money market funds are a form of mutual fund investment that makes for excellent investment opportunities.  Investors seeking low risk investment opportunities often choose to invest money in money market funds, and money market funds are frequently a part of an investor's financial portfolio.</description>
      <link>http://guides.emigrantdirect.com/Money_Market_Funds-a868658.html</link>
      <guid>http://guides.emigrantdirect.com/Money_Market_Funds-a868658.html</guid>
    </item>
    <item>
      <title>Passbook Loans</title>
      <description>Banks and financial institutions have made a wide range of loans available to their customers.  There is so much variety now that it can be confusing, so in this article we are going to look at four of the most common types of consumer loans:  passbook loans, home equity loans, line of credit, and collateral loans.  In effect, these are all loans which the bank or financial institution will advance to you based on the amount of equity you have in your home, or the amount of savings you have in your account, or on other collateral goods you own.</description>
      <link>http://guides.emigrantdirect.com/Passbook_Loans-a868657.html</link>
      <guid>http://guides.emigrantdirect.com/Passbook_Loans-a868657.html</guid>
    </item>
    <item>
      <title>FDIC</title>
      <description>The FDIC provides bank account insurance to banks in the United States of America.  Government officials created the FDIC after a mass failure on the part of banks to protect the money of individuals in the general public and to restore public appeal for banking institutions.</description>
      <link>http://guides.emigrantdirect.com/FDIC-a868656.html</link>
      <guid>http://guides.emigrantdirect.com/FDIC-a868656.html</guid>
    </item>
    <item>
      <title>Online Banking</title>
      <description>There are thousands of financial institutions offering online banking and account management for tech-savvy customers.  It is important for every bank customer skeptical about security on the Internet to learn about the advantages of online banking.</description>
      <link>http://guides.emigrantdirect.com/Online_Banking-a868655.html</link>
      <guid>http://guides.emigrantdirect.com/Online_Banking-a868655.html</guid>
    </item>
    <item>
      <title>Debit Card</title>
      <description>One of the most important advances in personal and business banking is the debit card.  These handy cards make banking convenient and hassle free for anyone with a checking or savings account.</description>
      <link>http://guides.emigrantdirect.com/Debit_Card-a868654.html</link>
      <guid>http://guides.emigrantdirect.com/Debit_Card-a868654.html</guid>
    </item>
    <item>
      <title>Retirement Accounts</title>
      <description>There are multiple factors that have contributed to increased contributions to retirement accounts in the United States.  Professionals are benefiting from government programs, employer contributions and new financial tools to plan for their retirement.  It is important for every worker to understand the vagaries of retirement accounts before depositing hard-earned money.</description>
      <link>http://guides.emigrantdirect.com/Retirement_Accounts-a868653.html</link>
      <guid>http://guides.emigrantdirect.com/Retirement_Accounts-a868653.html</guid>
    </item>
    <item>
      <title>Commercial Checking</title>
      <description>Both small business owners and owners of large businesses rely on commercial checking accounts.  Commercial checking accounts make it easy for a business to track payments and save up funds.  In addition, many business banking accounts are accompanied by some fairly nice bonuses.</description>
      <link>http://guides.emigrantdirect.com/Commercial_Checking-a868652.html</link>
      <guid>http://guides.emigrantdirect.com/Commercial_Checking-a868652.html</guid>
    </item>
    <item>
      <title>Lease Security Deposits</title>
      <description>All tenants usually sign a lease and pay a security deposit.  It's important for tenants to discuss all the details of the lease before they sign it and what the security deposit will be used for before they pay it.</description>
      <link>http://guides.emigrantdirect.com/Lease_Security_Deposits-a868651.html</link>
      <guid>http://guides.emigrantdirect.com/Lease_Security_Deposits-a868651.html</guid>
    </item>
    <item>
      <title>Employer Pension Plans</title>
      <description>The tradition of employee pension plans in America has shifted over the last few decades to reflect new demographics and economic realities.  There are multiple layers of intricacy involved in employee pension plans that need to be understood before counting on this source of funding during retirement.</description>
      <link>http://guides.emigrantdirect.com/Employer_Pension_Plans-a868650.html</link>
      <guid>http://guides.emigrantdirect.com/Employer_Pension_Plans-a868650.html</guid>
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