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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Budgeting and Saving</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>Plan now for a successful 2012</title>
		<link>http://keenerfinancial.com/plan-now-for-a-successful-2012?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=plan-now-for-a-successful-2012</link>
		<comments>http://keenerfinancial.com/plan-now-for-a-successful-2012#comments</comments>
		<pubDate>Tue, 29 Nov 2011 15:22:48 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2012 planning]]></category>
		<category><![CDATA[year-end planning]]></category>

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		<description><![CDATA[Taking a few moments now to assess your financial situation can go a long way toward positioning you for success next year.  Some items to consider:
If Retired

Have you taken      any required minimum distributions from your IRAs for this year?
Even if no IRA      distributions are required, [...]]]></description>
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		<title>May Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/may-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=may-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/may-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 16 May 2011 14:17:48 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[health savings]]></category>
		<category><![CDATA[long-term care]]></category>
		<category><![CDATA[newsletter]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1520</guid>
		<description><![CDATA[The May 2011 Personal Finance Newsletter is now available.  It includes articles on long-term care planning, mid-year tax considerations, and deciphering health savings vehicles.  A link to a great article on the relationship between how we spend our money and happiness is also included, as well as the monthly investment market update.  Click here to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Advice quoted in Money Magazine</title>
		<link>http://keenerfinancial.com/advice-quoted-in-money-magazine?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=advice-quoted-in-money-magazine</link>
		<comments>http://keenerfinancial.com/advice-quoted-in-money-magazine#comments</comments>
		<pubDate>Mon, 11 Apr 2011 15:07:04 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1484</guid>
		<description><![CDATA[Money Magazine recently featured my advice to a reader who&#8217;s company had stopped matching their 401(k) contributions.  The reader was wondering if they should start contributing to a Roth IRA instead of the company plan.  See my comments at Money Magazine&#8217;s website.
]]></description>
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		<slash:comments>0</slash:comments>
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		<title>March Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/march-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=march-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/march-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 14 Mar 2011 15:42:15 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1459</guid>
		<description><![CDATA[The March personal financial planning newsletter is now available.   It includes an update on the investment market, tips on cutting discretionary spending to build your cash reserve, planned charitable giving, and social security survivors benefit.  There&#8217;s also a special guest column from attorney Rania Combs on the complexities of dying intestate (without a will) for individuals in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Advice Featured in Dallas Morning News</title>
		<link>http://keenerfinancial.com/advice-featured-in-dallas-morning-news?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=advice-featured-in-dallas-morning-news</link>
		<comments>http://keenerfinancial.com/advice-featured-in-dallas-morning-news#comments</comments>
		<pubDate>Mon, 11 Oct 2010 19:58:18 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[IRA roll over]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[Roth conversion]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1368</guid>
		<description><![CDATA[The Dallas Morning News hosts an annual financial planning hotline and web chat to allow readers to get free financial advice from members of the Dallas-Fort Worth Financial Planning Assocation.  I&#8217;ve participated in this event for each of the last 3 years, and this year&#8217;s questions reflected many of the issues that Texans are facing right [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>September Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/september-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=september-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/september-personal-finance-newsletter#comments</comments>
		<pubDate>Fri, 17 Sep 2010 14:39:46 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></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[college kids and money]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[FDIC insurance]]></category>
		<category><![CDATA[newsletter]]></category>
		<category><![CDATA[tax planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1359</guid>
		<description><![CDATA[The September 2010 personal finance newsletter is now available.  It includes information on opportunities unique to 2010 for year-end tax planning, tips on teaching your college-age child about money, how a stronger dollar affects your portfolio, information on FDIC insurance now that higher limits are permanent, and a market update.  Click here to read the newsletter.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>June Monthly Newsletter</title>
		<link>http://keenerfinancial.com/june-monthly-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=june-monthly-newsletter</link>
		<comments>http://keenerfinancial.com/june-monthly-newsletter#comments</comments>
		<pubDate>Fri, 11 Jun 2010 15:20:05 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[DFA]]></category>
		<category><![CDATA[Dimensional Funds]]></category>
		<category><![CDATA[historical stock market performance]]></category>
		<category><![CDATA[investment market update]]></category>
		<category><![CDATA[paying off the mortgage]]></category>
		<category><![CDATA[stock market performance]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1302</guid>
		<description><![CDATA[The June newsletter is now available with an investment market update and some historical perspective on stock market returns over time to put recent volatility into perspective.  It also include a how-to on deciding if you should pay off your mortgage and an invitation to the upcoming budgeting workshop at the Keller Public Library.  I&#8217;m [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should you pay off the mortgage?</title>
		<link>http://keenerfinancial.com/should-you-pay-off-the-mortgage?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=should-you-pay-off-the-mortgage</link>
		<comments>http://keenerfinancial.com/should-you-pay-off-the-mortgage#comments</comments>
		<pubDate>Tue, 18 May 2010 20:32:24 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage pay-off]]></category>
		<category><![CDATA[pay off the house]]></category>
		<category><![CDATA[retirement decisions]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1284</guid>
		<description><![CDATA[One of the best financially freeing moments in life is the day you compare your savings and mortgage principal balances and realize that you could pay off your mortgage if you wanted to.  If you’re at that point, congratulations!  If you’re not there yet, keep saving; it can come sooner than you think.
Of course, immediately [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Quoted by Jean Chatzky</title>
		<link>http://keenerfinancial.com/quoted-by-jean-chatzky?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=quoted-by-jean-chatzky</link>
		<comments>http://keenerfinancial.com/quoted-by-jean-chatzky#comments</comments>
		<pubDate>Wed, 12 May 2010 14:00:28 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Jean's Advice in the News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Jean Chatzky]]></category>
		<category><![CDATA[media]]></category>
		<category><![CDATA[unemployment benefits]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1281</guid>
		<description><![CDATA[Jean Chatzky&#8217;s column in the New York Daily News on &#8220;How to get by when jobless pay runs dry&#8221; quoted me on several considerations and strategies to cope with this difficult situation.  I&#8217;m a fan of Jean Chatzky, so having the opportunity to be interviewed by her staff and being quoted in her column was pretty exciting for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>May 2010 Newsletter</title>
		<link>http://keenerfinancial.com/may-2010-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=may-2010-newsletter</link>
		<comments>http://keenerfinancial.com/may-2010-newsletter#comments</comments>
		<pubDate>Mon, 10 May 2010 19:47:26 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[ETFs]]></category>
		<category><![CDATA[exchange traded funds]]></category>
		<category><![CDATA[high income issues]]></category>
		<category><![CDATA[market performance]]></category>
		<category><![CDATA[medicare tax]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1276</guid>
		<description><![CDATA[The May 2010 newsletter is now available.  It includes investing information with perspective on last week&#8217;s market plunge and an update on the new reduced fees for trading Vanguard ETFs.  For taxes, there&#8217;s information on the new 3.8% medicare tax for high income individuals.  For cash flow, we cover using a Roth IRA as a back-up emergency [...]]]></description>
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