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    <title>Samcash — Money News</title>
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    <description>Reporting on central bank rate moves, savings and mortgage rate changes, benefit adjustments and price shifts that alter what a household budget absorbs.</description>
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      <title>What a credit utilization ratio is, and why 30% isn&apos;t a magic number</title>
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      <description><![CDATA[Utilization is balances divided by limits, it carries about a third of common credit scores, and 30% is a ceiling — not a target. Here's how the ratio works and what moves it.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:57:06 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Money News</category>
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      <title>Unbanked US households fall to 4.2%, FDIC survey finds — here&apos;s why it matters for your savings</title>
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      <description><![CDATA[The FDIC's 2023 survey put unbanked households at 4.2 percent, with fees the most-cited barrier. Here's what that means for choosing an insured account.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:57:04 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>How overdraft opt-in works, and what happens if you say no</title>
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      <description><![CDATA[A federal rule lets you block your bank from covering — and charging you for — one-time debit card and ATM overdrafts. Here's what your opt-in choice actually changes.]]></description>
      <pubDate>Tue, 18 Aug 2026 08:49:39 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>How a credit freeze works, and how it differs from a fraud alert</title>
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      <description><![CDATA[A freeze is free at all three bureaus, lasts until you lift it, and by law comes off within an hour when you ask online or by phone. Here is what it blocks, what it misses, and when an alert is the better fit.]]></description>
      <pubDate>Fri, 14 Aug 2026 08:49:37 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Money News</category>
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      <title>What debt collectors can and cannot do</title>
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      <description><![CDATA[The FDCPA bans night calls, workplace harassment, and third-party disclosure — and gives you validation rights. See the full playbook.]]></description>
      <pubDate>Sat, 27 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
      <category>Money News</category>
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      <title>How the child tax credit works in 2026</title>
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      <description><![CDATA[The 2026 child tax credit is up to $2,200 per child, partially refundable, with $200,000/$400,000 phase-outs. See who qualifies and how to claim it.]]></description>
      <pubDate>Mon, 01 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>What a recession actually means for your money</title>
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      <description><![CDATA[A recession raises job risk and cuts rates — but panic-selling costs more than the downturn. See what to prepare before, during, and after.]]></description>
      <pubDate>Wed, 06 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Jacob Hoffman</dc:creator>
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      <title>Why your car insurance keeps going up</title>
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      <description><![CDATA[Car insurance rises with repair, medical, and weather claims costs — plus factors in your own file. See what you can actually control at renewal.]]></description>
      <pubDate>Wed, 08 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>What a government shutdown means for your money</title>
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      <description><![CDATA[In a shutdown, Social Security keeps paying, federal paychecks pause with guaranteed back pay, and paperwork queues. See what to do.]]></description>
      <pubDate>Fri, 13 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>The SAVE plan is over — what student loan borrowers should do now</title>
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      <description><![CDATA[A court order ended the SAVE plan on March 10, 2026. Here are the transition steps for student loan borrowers and where to verify options.]]></description>
      <pubDate>Wed, 11 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>How tariffs work their way into the prices you pay</title>
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      <description><![CDATA[Tariffs are border taxes paid by importers and passed through supply chains to shelf prices, months later. See who pays and what you can do.]]></description>
      <pubDate>Sat, 14 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>What changes on your 2026 tax return: bigger deduction, higher SALT cap</title>
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      <description><![CDATA[For 2026: a $16,100 standard deduction for singles, $32,200 joint, and a $40,400 SALT cap. See who should itemize and the new charity break.]]></description>
      <pubDate>Tue, 03 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>The 2026 tax season opened January 26 — what to know before you file</title>
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      <description><![CDATA[IRS 2026 filing season opened January 26 for 2025 returns. Refund timelines, document deadlines, and what is new before April 15.]]></description>
      <pubDate>Tue, 27 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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      <title>What the Social Security Fairness Act changed for your benefits</title>
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      <description><![CDATA[The 2025 repeal of WEP and GPO restored fuller Social Security benefits and back pay to public retirees. See who gained and what to check.]]></description>
      <pubDate>Sat, 17 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
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