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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Legislative Changes</title>
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	<link>http://keenerfinancial.com</link>
	<description>personal financial planning, financial advisor in Dallas Fort Worth, financial advisor in Keller, TX, fee only financial planner, hourly financial planner, investment advice, retirement planning, college planning, divorce financial planning, budgeting and debt management</description>
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		<title>April 2010 Monthly Newsletter</title>
		<link>http://keenerfinancial.com/april-2010-monthly-newsletter</link>
		<comments>http://keenerfinancial.com/april-2010-monthly-newsletter#comments</comments>
		<pubDate>Thu, 15 Apr 2010 16:54:39 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[dollar cost averaging investing]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[healthcare law]]></category>
		<category><![CDATA[investment market update]]></category>
		<category><![CDATA[lump sum investing]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1240</guid>
		<description><![CDATA[The April 2010 monthly newsletter is now available.  It includes information on how the new healthcare law may affect you as an individual and new student loan and financial aid provisions.  Also covered are an investment market update and a discussion on the merits of dollar cost averaging to make investments vs. lump-sum investing.  Please click here to [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/april-2010-monthly-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Health Care Law Highlights</title>
		<link>http://keenerfinancial.com/new-health-care-law-highlights</link>
		<comments>http://keenerfinancial.com/new-health-care-law-highlights#comments</comments>
		<pubDate>Fri, 02 Apr 2010 16:40:41 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[health care law]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1235</guid>
		<description><![CDATA[If you&#8217;re like me, you found it challenging to keep up with the provisions of the health care bills as they worked through the legislative process.  But now that the bill is law, it&#8217;s helpful to understand how it may affect your individual situation and any changes that need to be made to your financial plan as [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/new-health-care-law-highlights/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>March 2010 Newsletter</title>
		<link>http://keenerfinancial.com/march-2010-newsletter</link>
		<comments>http://keenerfinancial.com/march-2010-newsletter#comments</comments>
		<pubDate>Tue, 09 Mar 2010 17:30:46 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[credit card act]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[home buyers credit]]></category>
		<category><![CDATA[retirement income]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1202</guid>
		<description><![CDATA[The March 2010 Newsletter is now available.  It includes an investment market update, Part II in my series on how to tap into your home equity in retirement, considerations in evaluating an early retirement offer, information on 2009 tax deduction for 2010 Haitian relief contributions, 2011 tax rate proposals found in the federal budget, credit card act [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/march-2010-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January 2010 Newsletter</title>
		<link>http://keenerfinancial.com/january-2010-newsletter</link>
		<comments>http://keenerfinancial.com/january-2010-newsletter#comments</comments>
		<pubDate>Tue, 12 Jan 2010 16:25:33 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2010 estate tax]]></category>
		<category><![CDATA[estate tax repeal]]></category>
		<category><![CDATA[federal estate tax]]></category>
		<category><![CDATA[home inventory]]></category>
		<category><![CDATA[monthly newsletter]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1117</guid>
		<description><![CDATA[The January 2010 newsletter is now available.  Beginning in 2010, it will be published the second week of each month.  This month&#8217;s newsletter includes a brief 2009 market update, an update on the estate tax for 2010, how to conduct a home inventory, and more.  Click here to read it. 
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/january-2010-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying a home to cash in on home buyers tax credit?</title>
		<link>http://keenerfinancial.com/buying-a-home-to-cash-in-on-home-buyers-tax-credit</link>
		<comments>http://keenerfinancial.com/buying-a-home-to-cash-in-on-home-buyers-tax-credit#comments</comments>
		<pubDate>Thu, 12 Nov 2009 23:59:25 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Credit for First Time Home Buyers]]></category>
		<category><![CDATA[first-time home buyers credit]]></category>
		<category><![CDATA[home buyers credit]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1071</guid>
		<description><![CDATA[You may have heard that the first-time home buying tax credit was extended through April 30 next year, and that it now includes a credit for some non-first-time home buyers also.  For details on the extension and who is eligible, visit the IRS website.
This is great news if you fall into the eligible groups and [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/buying-a-home-to-cash-in-on-home-buyers-tax-credit/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>2009 Year-End Tax Planning Checklist</title>
		<link>http://keenerfinancial.com/2009-year-end-tax-planning-checklist</link>
		<comments>http://keenerfinancial.com/2009-year-end-tax-planning-checklist#comments</comments>
		<pubDate>Wed, 04 Nov 2009 22:37:04 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2009 tax]]></category>
		<category><![CDATA[2009 tax checklist]]></category>
		<category><![CDATA[2009 taxes]]></category>
		<category><![CDATA[2009 year-end tax planning]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1052</guid>
		<description><![CDATA[Reviewing your tax situation for the year when you still have time to do something about it is always a good idea.  You have many more options to affect your tax liability by acting before the year ends.  This year, it&#8217;s still important to review all the regular opportunities available every year, but we also have many unique [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/2009-year-end-tax-planning-checklist/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roth IRA Conversion Overview</title>
		<link>http://keenerfinancial.com/roth-ira-conversion-overview</link>
		<comments>http://keenerfinancial.com/roth-ira-conversion-overview#comments</comments>
		<pubDate>Mon, 14 Sep 2009 20:07:16 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[2010 Roth Conversion]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Roth IRA conversion]]></category>
		<category><![CDATA[Roth IRA video]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=937</guid>
		<description><![CDATA[Through 2009, converting an IRA from a traditional IRA to Roth is only available for those with household incomes under $100,000.  Beginning next year, that changes.  However, a lot of people aren&#8217;t aware of the upcoming changes &#8212; according to Financial Planning magazine, only 42% of advisor clients were aware of the new Roth IRA conversion [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/roth-ira-conversion-overview/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Education Funding Recap</title>
		<link>http://keenerfinancial.com/education-funding-recap</link>
		<comments>http://keenerfinancial.com/education-funding-recap#comments</comments>
		<pubDate>Mon, 10 Aug 2009 14:00:50 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[529]]></category>
		<category><![CDATA[529 plans]]></category>
		<category><![CDATA[education funding]]></category>
		<category><![CDATA[FAFSA]]></category>
		<category><![CDATA[federal family education loans]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[Hope Credit]]></category>
		<category><![CDATA[pell grants]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=810</guid>
		<description><![CDATA[The world of higher education has received some attention in Washington this year.  I&#8217;ve done several posts on the topic, but wanted to offer this summary of both what&#8217;s passed and what&#8217;s proposed in the budget for FY 2010.
The American Recovery and Reinvestment Act of 2009 (ARRA) was signed into law by President Obama in [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/education-funding-recap/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>July 2009 Newsletter</title>
		<link>http://keenerfinancial.com/july-2009-newsletter</link>
		<comments>http://keenerfinancial.com/july-2009-newsletter#comments</comments>
		<pubDate>Wed, 01 Jul 2009 18:47:37 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[diversifying your investments]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[FDIC insurance]]></category>
		<category><![CDATA[mortgage refinance]]></category>
		<category><![CDATA[should I refinance?]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=722</guid>
		<description><![CDATA[The July 2009 newsletter is now available online.  It reviews some blog information on FDIC insurance limits, establishing an emergency fund, and down market estate planning opportunities.  It also covers new information on whether or not you should refinance your mortgage and considerations in diversifying your investments.  Click here to read it.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/july-2009-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keep an eye on your credit</title>
		<link>http://keenerfinancial.com/keep-an-eye-on-your-credit</link>
		<comments>http://keenerfinancial.com/keep-an-eye-on-your-credit#comments</comments>
		<pubDate>Mon, 29 Jun 2009 15:36:24 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[revolving debt]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=702</guid>
		<description><![CDATA[The Credit Card legislation passed last month should ultimately help consumers.  However, in the short term, many people are being squeezed.   We have a combination of factors:

banks attempting to shore up their financial statements by reducing the available credit on credit cards, home equity lines of credit, and business credit lines
credit card companies seizing the opportunity [...]]]></description>
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		<slash:comments>0</slash:comments>
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