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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>June Monthly Newsletter</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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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		<title>Should you pay off the mortgage?</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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>
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		<item>
		<title>Quoted by Jean Chatzky</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Media Coverage]]></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>
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		<title>May 2010 Newsletter</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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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		<slash:comments>0</slash:comments>
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		<title>Quoted on BankRate about Roth IRAs and emergency funds</title>
		<link>http://keenerfinancial.com/quoted-on-bankrate-about-roth-iras-and-emergency-funds</link>
		<comments>http://keenerfinancial.com/quoted-on-bankrate-about-roth-iras-and-emergency-funds#comments</comments>
		<pubDate>Fri, 30 Apr 2010 16:22:16 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Media Coverage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[saving for retirement]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1250</guid>
		<description><![CDATA[When you&#8217;re juggling creating an emergency fund and saving for retirement, it&#8217;s important to be aware of your options.   BankRate.com reporter Teri Cettina recently interviewed me about using a Roth IRA as a back-up to your primary emergency fund.  A Roth IRA should not be your primary emergency fund, but it can provide a useful supplement  that [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>Recovering from Unemployment</title>
		<link>http://keenerfinancial.com/recovering-from-unemployment</link>
		<comments>http://keenerfinancial.com/recovering-from-unemployment#comments</comments>
		<pubDate>Mon, 11 Jan 2010 19:34:09 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[after unemployment]]></category>
		<category><![CDATA[financial tips]]></category>
		<category><![CDATA[recovering from unemployment]]></category>
		<category><![CDATA[unemployment recovery]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1109</guid>
		<description><![CDATA[If you’ve been out of work for a period of time, it’s a huge relief when the paychecks start rolling in again.  Depending on how long you were unemployed, what your finances were like before the job loss, and other sources of income in your household, getting back to work could be just the beginning [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/recovering-from-unemployment/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Quoted in Kiplinger Personal Finance Magazine</title>
		<link>http://keenerfinancial.com/quoted-in-kiplinger-personal-finance-magazine</link>
		<comments>http://keenerfinancial.com/quoted-in-kiplinger-personal-finance-magazine#comments</comments>
		<pubDate>Mon, 07 Dec 2009 16:07:21 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Media Coverage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budget and saving]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[trim your spending]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1097</guid>
		<description><![CDATA[I was recently quoted in &#8220;4 Ways to Trim Your Spending&#8221; by Laura Cohn in the January 2010 issue of Kiplinger Personal Finance Magazine.  Laura and I discussed that having one or two areas of luxury in your life is not a bad thing &#8212; it&#8217;s actually a good thing because it helps avoid a sense of deprivation [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/quoted-in-kiplinger-personal-finance-magazine/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>December 2009 Newsletter</title>
		<link>http://keenerfinancial.com/december-2009-newsletter</link>
		<comments>http://keenerfinancial.com/december-2009-newsletter#comments</comments>
		<pubDate>Thu, 03 Dec 2009 18:28:35 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2009 year-end tax planning]]></category>
		<category><![CDATA[expense tracking]]></category>
		<category><![CDATA[investment moves to save taxes]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1092</guid>
		<description><![CDATA[The December 2009 newsletter is now available.  It includes a market update, tips on tracking your expenses, year-end investing moves designed to save on taxes, and more.  Click here to read the newsletter.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/december-2009-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>
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