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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Debt Management</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>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>
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		<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>Recovering from Unemployment</title>
		<link>http://keenerfinancial.com/recovering-from-unemployment?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
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		<slash:comments>1</slash:comments>
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		<title>30-Second Financial Gut Check</title>
		<link>http://keenerfinancial.com/30-second-financial-gut-check?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=30-second-financial-gut-check</link>
		<comments>http://keenerfinancial.com/30-second-financial-gut-check#comments</comments>
		<pubDate>Wed, 26 Aug 2009 20:21:39 +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[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting and saving]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[financial concern]]></category>
		<category><![CDATA[financial stress]]></category>
		<category><![CDATA[financial worry]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=871</guid>
		<description><![CDATA[If you&#8217;re like many Americans right now, you&#8217;re worried about your finances.  Even if nothing has particularly changed for you in the past year &#8211; perhaps you still have the same job, same mortgage payment, same retirement accounts &#8211; you likely now have a gnawing sense of insecurity about what the future holds.  And if [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Free Financial Webinars</title>
		<link>http://keenerfinancial.com/free-financial-webinars?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=free-financial-webinars</link>
		<comments>http://keenerfinancial.com/free-financial-webinars#comments</comments>
		<pubDate>Fri, 10 Jul 2009 11:53:54 +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[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[free financial education]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[kids & money]]></category>
		<category><![CDATA[kids and money]]></category>
		<category><![CDATA[money basics]]></category>
		<category><![CDATA[NAPFA]]></category>
		<category><![CDATA[National Association of Personal Financial Advisors]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=739</guid>
		<description><![CDATA[The National Association of Personal Financial Advisors is starting a new series of free webinars on various financial topics including Money 101, Kids &#38; Money, Investing Basics, Protecting What you Have, and more.  These sessions are designed to provide a convenient, accessible way to get financial information to help you most effectively manage your finances.   [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/free-financial-webinars/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Should You Consolidate Student Loans Now?</title>
		<link>http://keenerfinancial.com/should-you-consolidate-student-loans-now?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=should-you-consolidate-student-loans-now</link>
		<comments>http://keenerfinancial.com/should-you-consolidate-student-loans-now#comments</comments>
		<pubDate>Wed, 08 Jul 2009 14:29:56 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[student loan consolidation]]></category>
		<category><![CDATA[student loan rates]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=736</guid>
		<description><![CDATA[If you have a federal Stafford Loan or PLUS Loan issued on or after July 1, 1998 and before July 1, 2006, consider yourself lucky. Beginning July 1, 2009, the interest rates on these variable-rate loans are set to drop to the lowest rates in the history of the federal student loan program. These new [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/should-you-consolidate-student-loans-now/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?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=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, CFP, CRPC, CFDS</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>
		<wfw:commentRss>http://keenerfinancial.com/keep-an-eye-on-your-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New credit card law provisions</title>
		<link>http://keenerfinancial.com/new-credit-card-law-provisions?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=new-credit-card-law-provisions</link>
		<comments>http://keenerfinancial.com/new-credit-card-law-provisions#comments</comments>
		<pubDate>Wed, 27 May 2009 15:26:45 +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[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt management]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=643</guid>
		<description><![CDATA[The key provisions of the credit card law that Obama signed last Friday, May 22 are below.  But first, my two cents &#8230;
I&#8217;ve heard a lot of talk about how these changes might make it more difficult to get credit and could result in higher fees in general and annual fees in particular for people who [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/new-credit-card-law-provisions/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>April 2009 Newsletter</title>
		<link>http://keenerfinancial.com/april-2009-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=april-2009-newsletter</link>
		<comments>http://keenerfinancial.com/april-2009-newsletter#comments</comments>
		<pubDate>Mon, 06 Apr 2009 19:52:24 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[budgeting and saving]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[worthless securities]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=624</guid>
		<description><![CDATA[The April 2009 newsletter is now available online.  It includes an update on market conditions, plus information on the Cobra subsidy, writing off worthless securities on your taxes, an estate planning pitfall to avoid, a conversation for parents about saving for retirement vs. college, and a how-to on budgeting.  Click here to read the newsletter.
]]></description>
		<wfw:commentRss>http://keenerfinancial.com/april-2009-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Financial Advice Bus Tour in D-FW</title>
		<link>http://keenerfinancial.com/free-financial-advice-bus-tour-2?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=free-financial-advice-bus-tour-2</link>
		<comments>http://keenerfinancial.com/free-financial-advice-bus-tour-2#comments</comments>
		<pubDate>Fri, 06 Feb 2009 16:00:44 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Central Market]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[free financial advice]]></category>
		<category><![CDATA[Kiplingers]]></category>
		<category><![CDATA[NAPFA]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[TD Ameritrade]]></category>
		<category><![CDATA[your money bus]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=554</guid>
		<description><![CDATA[Mark your calendars for February 23 from 11:30 to 1:30.  The national Your Money Bus tour will be making a stop at a place near and dear to my heart – Southlake Central Market.  Local financial advisors, including me, will be there to answer your financial questions at no charge.
We’re all keenly aware of the [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/free-financial-advice-bus-tour-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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