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    <title>UMB Financial Facts Podcast</title>
    <link>https://www.umb.com/</link>
    <category>Financial</category>
    <description>We're happy to introduce a limited series of podcasts created to provide you with some helpful information about financial basics. Listen to the podcast in your browser, or download it and play it when - and where - it's most convenient for you. The UMB Financial Facts Podcast. Just another example of how you can count on more from UMB. UMB is an Equal Housing Lender.</description>
    <language>en-us</language>
    <copyright>&#x2117; &amp; &#xA9; 2005 UMB</copyright>
    <managingEditor>podcast@umb.com</managingEditor>
    <webMaster>webmaster@umb.com</webMaster>

    <image>
      <url>https://www.umb.com/groups/public/documents/web_asset/000786.gif</url>
      <title>UMB Financial Facts Podcast</title>
      <link>https://www.umb.com/</link>
    </image>
  
    <pubDate>Tuesday, 13 January 2009 10:30:00 CST</pubDate>
    <lastBuildDate>Tuesday, 13 January 2009 10:30:00 CST</lastBuildDate>

    <itunes:author>UMB</itunes:author>
    <itunes:subtitle>Helpful information about a few financial basics.</itunes:subtitle>
    <itunes:summary>We're happy to introduce a limited series of podcasts created to provide you with some helpful information about financial basics. Listen to the podcast in your browser, or download it and play it when - and where - it's most convenient for you. The UMB Financial Facts Podcast. Just another example of how you can count on more from UMB. UMB is an Equal Housing Lender.</itunes:summary>
    <itunes:owner>
      <itunes:name>UMB</itunes:name>
      <itunes:email>podcast@umb.com</itunes:email>
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    <itunes:link rel="image" type="video/jpeg" href="https://www.umb.com/groups/public/documents/web_asset/000785.gif">UMB Financial Facts Podcast</itunes:link>
    <itunes:category text="Business">
      <itunes:category text="Investing"/>
    </itunes:category>
    <itunes:explicit>no</itunes:explicit>
	
	<ttl>60</ttl>
	<item>
      <title>Podcast 15 - Examining the Economic Crisis</title>
      <link>https://www.umb.com/groups/public/documents/web_content/007926.mp3</link>
      <description>Peter deSilva, UMB COO, looks at the mortgage crisis as a key contributing factor preceding the perfect storm of today’s turbulent economy. </description>
      <pubDate>Tuesday, 13 January 2009 10:30:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/007926.mp3</guid>
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        <itunes:subtitle>Peter deSilva, UMB COO, looks at the mortgage crisis as a key contributing factor preceding the perfect storm of today’s turbulent economy. </itunes:subtitle>
        <itunes:summary>Peter deSilva, UMB COO, looks at the mortgage crisis as a key contributing factor preceding the perfect storm of today’s turbulent economy. </itunes:summary>
        <itunes:duration>00:11:17</itunes:duration>
        <itunes:keywords>economy, financial, umb, united Missouri bank, credit, saving, debt</itunes:keywords>
    </item>
    <item>
      <title>Podcast 14 - Roadmap to Retirement</title>
      <link>https://www.umb.com/groups/public/documents/web_content/003303.mp3</link>
      <description>Developing a retirement plan and keeping it up-to-date is key to an enjoyable, financially secure retirement. Listen as we walk you through how to develop a solid plan to get you there so you can spend more time dreaming about your retirement then worrying about how you’ll finance it.</description>
      <pubDate>Wednesday, 2 July 2008 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/003303.mp3</guid>
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        <itunes:subtitle>Developing a retirement plan and keeping it up-to-date is key to an enjoyable, financially secure retirement. Listen as we walk you through how to develop a solid plan to get you there so you can spend more time dreaming about your retirement then worrying about how you’ll finance it.</itunes:subtitle>
        <itunes:summary>Developing a retirement plan and keeping it up-to-date is key to an enjoyable, financially secure retirement. Listen as we walk you through how to develop a solid plan to get you there so you can spend more time dreaming about your retirement then worrying about how you’ll finance it.</itunes:summary>
        <itunes:duration>00:13:40</itunes:duration>
        <itunes:keywords>United Missouri Bank, IRA, ira, SS, financial, brokerage, advisor, ret, 401(k), 401k, planning, social security</itunes:keywords>
    </item>
    <item>
      <title>Podcast 13 - Life Insurance 101</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001970.mp3</link>
      <description>Life insurance can be overwhelming yet it’s an essential part of every conscientious person’s financial plan. Simply put, you don’t want your family’s hopes and dreams to die if you do. Listen as we try to demystify and simplify life insurance for you.</description>
      <pubDate>Tuesday, 20 May 2008 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001970.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001970.mp3" length="29332782" type="audio/mpeg"/>
        <itunes:subtitle>Life insurance can be overwhelming yet it’s an essential part of every conscientious person’s financial plan. Simply put, you don’t want your family’s hopes and dreams to die if you do. Listen as we try to demystify and simplify life insurance for you.</itunes:subtitle>
        <itunes:summary>Life insurance can be overwhelming yet it’s an essential part of every conscientious person’s financial plan. Simply put, you don’t want your family’s hopes and dreams to die if you do. Listen as we try to demystify and simplify life insurance for you.</itunes:summary>
        <itunes:duration>00:20:22</itunes:duration>
        <itunes:keywords>United Missouri Bank, ins, whole, universal, variable, UMB Financial Corporation, UMB Financial Corp, UMB Financial, U.M.B. </itunes:keywords>
    </item>
    <item>
      <title>Podcast 12 - Investing in Your Thirtys</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001730.mp3</link>
      <description>If you’re a 30-something, no doubt you are feeling mounting responsibilities weighing on you like never before. Many of those added responsibilities come with financial obligations or ties. Investing for your financial future is just one of those responsibilities. Listen and learn about important financial tools, products and strategies for this stage in your life. </description>
      <pubDate>Friday, 25 Dec 2008 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001730.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001730.mp3" length="13127680" type="audio/mpeg"/>
        <itunes:subtitle>If you’re a 30-something, no doubt you are feeling mounting responsibilities weighing on you like never before. Many of those added responsibilities come with financial obligations or ties. Investing for your financial future is just one of those responsibilities. Listen and learn about important financial tools, products and strategies for this stage in your life. </itunes:subtitle>
        <itunes:summary>If you’re a 30-something, no doubt you are feeling mounting responsibilities weighing on you like never before. Many of those added responsibilities come with financial obligations or ties. Investing for your financial future is just one of those responsibilities. Listen and learn about important financial tools, products and strategies for this stage in your life. </itunes:summary>
        <itunes:duration>00:27:20</itunes:duration>
        <itunes:keywords>investing, united missouri bank, 30s, 30’s, umb bank, UMB Financial Corporation, UMB Financial Corp, UMB Financial, U.M.B., Thirtys </itunes:keywords>
    </item>
    <item>
      <title>Podcast 11 - How to Select a Mutual Fund</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001628.mp3</link>
      <description>Mutual funds are a great option for many investors because you don’t need to be an expert stock broker, have a lot of money, or want to take on a big risk to invest in one. Listen and learn the four P's of selecting a mutual fund and much more.</description>
      <pubDate>Mon, 15 Oct 2007 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001628.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001628.mp3" length="10256300" type="audio/mpeg"/>
        <itunes:subtitle>Mutual funds are a great option for many investors because you don’t need to be an expert stock broker, have a lot of money, or want to take on a big risk to invest in one. Listen and learn the four P's of selecting a mutual fund and much more.</itunes:subtitle>
        <itunes:summary>Mutual funds are a great option for many investors because you don’t need to be an expert stock broker, have a lot of money, or want to take on a big risk to invest in one. Listen and learn the four P's of selecting a mutual fund and much more.</itunes:summary>
        <itunes:duration>00:21:22</itunes:duration>
        <itunes:keywords>money, finances, financial, planning, managing, mutual, fund, investment, invest, investing, securities, portfolio, asset, management, manager</itunes:keywords>
    </item>
    <item>
      <title>Podcast 10 - Talking to Teens About Money</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001578.mp3</link>
      <description>The time to teach your teen about managing a budget through college is before they set foot on campus. Listen for ideas on talking to your teen and how to help him get started down the right financial path.</description>
      <pubDate>Mon, 27 Aug 2007 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001578.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001578.mp3" length="11836395" type="audio/mpeg"/>
        <itunes:subtitle>Talking to Teens About Money</itunes:subtitle>
        <itunes:summary>The time to teach your teen about managing a budget through college is before they set foot on campus. Listen for ideas on talking to your teen and how to help him get started down the right financial path.</itunes:summary>
        <itunes:duration>00:24:40</itunes:duration>
        <itunes:keywords>teens, college, budget, parents, money, finances, financial, planning, students, kids, children, managing, child</itunes:keywords>
    </item>
    <item>
      <title>Podcast 09 - Health Savings Account (HSA) Basics</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001456.mp3</link>
      <description>Health care costs are rising. Consider a Health Savings Account to gain more control of your health care spending. HSAs can reduce your overall cost of health care.</description>
      <pubDate>Mon, 02 Jul 2007 11:38:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001456.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001456.mp3" length="7083532" type="audio/mpeg"/>
        <itunes:subtitle>Health Savings Account (HSA) Basics</itunes:subtitle>
        <itunes:summary>Health care costs are rising. Consider a Health Savings Account to gain more control of your health care spending. HSAs can reduce your overall cost of health care.</itunes:summary>
        <itunes:duration>00:14:43</itunes:duration>
        <itunes:keywords>health savings accounts, HSAs, HSA, health, health care, healthcare, UMB, high deductible health plan, HDHP, high deductible healthcare plan, health plan, high deductible, health care plan</itunes:keywords>
    </item>
    <item>
      <title>Podcast 08 - Tips for the First Time Homebuyer</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001358.mp3</link>
      <description>Tips for the First Time Homebuyer - The process of buying your first home can seem intimidating. How much home can you afford? What kind of mortgage is right for you? What documentation do you need to gather? Here's some practical advice to help put your mind at ease, and help you prepare.</description>
      <pubDate>Mon, 30 APR 2007 13:45:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001358.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001358.mp3" length="10182656" type="audio/mpeg"/>
        <itunes:subtitle>Tips for the First Time Homebuyer</itunes:subtitle>
        <itunes:summary>The process of buying your first home can seem intimidating. How much home can you afford? What kind of mortgage is right for you? What documentation do you need to gather? Here's some practical advice to help put your mind at ease, and help you prepare.</itunes:summary>
        <itunes:duration>00:21:10</itunes:duration>
        <itunes:keywords>mortgage, home loans, first home, mortgage calculator, first-time home buyers, first home loan, down payment</itunes:keywords>
    </item>
    <item>
      <title>Podcast 07 - Online Security</title>
      <link>https://www.umb.com/groups/public/documents/web_content/001095.mp3</link>
      <description>Online Security - Spending and managing your money on the Web is becoming more common every day. Here's a primer on some of the things you need to keep in mind when it comes to using your money on the Web.</description>
      <pubDate>Wed, 07 Feb 2007 13:45:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/001095.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/001095.mp3" length="8974336" type="audio/mpeg"/>
        <itunes:subtitle>Online Security</itunes:subtitle>
        <itunes:summary>Spending and managing your money on the Web is becoming more common every day. Here's a primer on some of the things you need to keep in mind when it comes to using your money on the Web.</itunes:summary>
        <itunes:duration>00:18:41</itunes:duration>
        <itunes:keywords>Online security, money, online transactions, money, finance</itunes:keywords>
    </item>
    <item>
      <title>Podcast 06 - The Car Buying Experience</title>
      <link>https://www.umb.com/groups/public/documents/web_content/000910.mp3</link>
      <description>The car buying experience - If you are buying a new or used car, here are some helpful tips to make your purchase a success. Knowledge is the key to helping you get the most car for your money.</description>
      <pubDate>Fri, 20 Oct 2006 10:15:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/000910.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/000910.mp3" length="9531392" type="audio/mpeg"/>
        <itunes:subtitle>The Car Buying Experience</itunes:subtitle>
        <itunes:summary>If you are buying a new or used car, here are some helpful tips to make your purchase a success. Knowledge is the key to helping you get the most car for your money.</itunes:summary>
        <itunes:duration>00:19:48</itunes:duration>
        <itunes:keywords>car, cars, vehicle, automobile, auto, money, buying, purchasing, finance, new, used, leasing, lease, tips, research, dealers, dealerships, salesmen, down payment, loan, upside down, negotiation, negotiate, negotiations, Edmunds, Kelly.</itunes:keywords>
    </item>
    <item>
      <title>Podcast 05 - Choosing a Financial Planner</title>
      <link>https://www.umb.com/AboutUMB/groups/public/documents/web_content/000908.mp3</link>
      <description>Choosing a Financial Planner - You can enlist the help of a financial planner for many different reasons. Whether it's planning for retirement or for your child's college tuition, a financial planner can help you assess your current financial situation and determine your goals for the future.</description>
      <pubDate>Wed, 06 Sep 2006 11:00:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/AboutUMB/groups/public/documents/web_content/000908.mp3</guid>
      <enclosure url="https://www.umb.com/AboutUMB/groups/public/documents/web_content/000908.mp3" length="8519680" type="audio/mpeg"/>
        <itunes:subtitle>Choosing a Financial Planner</itunes:subtitle>
        <itunes:summary>You can enlist the help of a financial planner for many different reasons. Whether it's planning for retirement or for your child's college tuition, a financial planner can help you assess your current financial situation and determine your goals for the future.</itunes:summary>
        <itunes:duration>00:17:42</itunes:duration>
        <itunes:keywords>Financial, finance, planner, planning, money, retirement, education, college, assets, asset, goals, financial goals, diversification, mutual funds, stocks, bonds, choosing, choice, management</itunes:keywords>
    </item>
    <item>
      <title>Podcast 04 - Investing in Your Twenties</title>
      <link>https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000860.mp3</link>
      <description>Investing in your twenties - It's never too early to begin investing and planning for your future. In this episode, we discuss how to get started investing, saving and managing your money while in your twenties.</description>
      <pubDate>Wed, 05 Jul 2006 11:00:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000860.mp3</guid>
      <enclosure url="https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000860.mp3" length="9482240" type="audio/mpeg"/>
        <itunes:subtitle>Investing in your twenties</itunes:subtitle>
        <itunes:summary>It's never too early to begin investing and planning for your future. In this episode, we discuss how to get started investing, saving and managing your money while in your twenties.</itunes:summary>
        <itunes:duration>00:19:42</itunes:duration>
        <itunes:keywords>Investing, twenties, saving, future, debt management, IRA, retirement planning, short-term investing, 401(k), 401k, money market, stocks, bonds, mutual funds, assets, money manager, financial planner, UMB</itunes:keywords>
    </item>
    <item>
      <title>Podcast 03 - Basics of a Home Equity Line</title>
      <link>https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000817.mp3</link>
      <description>Basics of a Home Equity Line - A discussion on home equity lines of credit; the basics, how they can be used, the pros and cons of using the equity in your home.</description>
      <pubDate>Thu, 10 May 2006 9:00:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000817.mp3</guid>
      <enclosure url="https://www.umb.com/AboutUMB/CompanyInformation/Newsletters/groups/public/documents/web_content/000817.mp3" length="8757248" type="audio/mpeg"/>
        <itunes:subtitle>Basics of a Home Equity Line</itunes:subtitle>
        <itunes:summary>A discussion on home equity lines of credit; the basics, how they can be used, the pros and cons of using the equity in your home.</itunes:summary>
        <itunes:duration>00:18:11</itunes:duration>
        <itunes:keywords>Home equity line, home equity line of credit, HELOC, loan, home loan, line of credit, lending, finance, banking, UMB</itunes:keywords>
    </item>
    <item>
      <title>Podcast 02 - Credit 101</title>
      <link>https://www.umb.com/groups/public/documents/web_content/000624.mp3</link>
      <description>Credit 101 - A brief primer on personal credit scores, what they mean and what you can do to ensure you're taking care of this important financial asset.</description>
      <pubDate>Wed, 22 Mar 2006 17:00:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/000624.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/000624.mp3" length="9814016" type="audio/mpeg"/>
        <itunes:subtitle>Credit 101</itunes:subtitle>
        <itunes:summary>A brief primer on personal credit scores, what they mean and what you can do to ensure you're taking care of this important financial asset.</itunes:summary>
        <itunes:duration>00:20:24</itunes:duration>
        <itunes:keywords>Credit scores, credit, credit cards, credit report, finance, banking, UMB</itunes:keywords>
    </item>
    <item>
      <title>Podcast 01 - Everything you want to know about 401(k) Retirement Plans but were afraid to ask.</title>
      <link>https://www.umb.com/groups/public/documents/web_content/000623.mp3</link>
      <description>Everything you want to know about 401(k) Retirement Plans but were afraid to ask.</description>
      <pubDate>Mon, 05 Dec 2005 15:45:00 CST</pubDate>
      <author>podcast@umb.com</author>
      <guid isPermalink="true">https://www.umb.com/groups/public/documents/web_content/000623.mp3</guid>
      <enclosure url="https://www.umb.com/groups/public/documents/web_content/000623.mp3" length="13168640" type="audio/mpeg"/>
        <itunes:subtitle>Everything you want to know about 401(k) Retirement Plans but were afraid to ask.</itunes:subtitle>
        <itunes:summary>Everything you want to know about 401(k) Retirement Plans but were afraid to ask.</itunes:summary>
        <itunes:duration>00:24:34</itunes:duration>
        <itunes:keywords>Financial, 401(k), UMB, Financial, Finances, Personal finance, Banks, Banking</itunes:keywords>
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