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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Your Finances</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>July 2010 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/july-2010-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/july-2010-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 15 Jul 2010 15:41:35 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[college savings]]></category>
		<category><![CDATA[college scholarship strategies]]></category>
		<category><![CDATA[financial planning newsletter]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[investment market conditions]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[required minimum distributions]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1309</guid>
		<description><![CDATA[The July 2010 financial planning newsletter is now available.  Topics include today&#8217;s investment market conditions, low mortgage interest rates, college scholarship strategies, required minimum distributions for 2010, and a reminder on staying vigilent against identity theft.  An invitation to July&#8217;s free personal finance workshop on college savings strategies at the Keller Public Library is also included.  [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Interviewed by Wall Street Journal on keeping investing costs low</title>
		<link>http://keenerfinancial.com/interviewed-by-wall-street-journal-on-keeping-investing-costs-low</link>
		<comments>http://keenerfinancial.com/interviewed-by-wall-street-journal-on-keeping-investing-costs-low#comments</comments>
		<pubDate>Tue, 22 Jun 2010 18:19:56 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Media Coverage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[investment costs]]></category>
		<category><![CDATA[Wall Street Journal]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1305</guid>
		<description><![CDATA[I was recently interviewed for the Wall Street Journal&#8217;s website about the importance of keeping investing costs low and how costs affect your long-term investment returns.  You can read the article at WSJ.com.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://keenerfinancial.com/june-monthly-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quoted by Jean Chatzky on Self-Employed Retirement Plans</title>
		<link>http://keenerfinancial.com/quoted-by-jean-chatzky-on-self-employed-retirement-plans</link>
		<comments>http://keenerfinancial.com/quoted-by-jean-chatzky-on-self-employed-retirement-plans#comments</comments>
		<pubDate>Wed, 02 Jun 2010 15:44:54 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Media Coverage]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1300</guid>
		<description><![CDATA[I was recently quoted by Jean Chatzky on AOL&#8217;s DailyFinance.com on how the self-employed can save for retirement.  While self-employed individuals do have to save more to make up for both their contributions and the employers, there are lots of great options available.  Your choice of a Simple IRA, SEP IRA, Solo 401(k), or just [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Four Rules for Asset Allocation</title>
		<link>http://keenerfinancial.com/four-rules-for-asset-allocation</link>
		<comments>http://keenerfinancial.com/four-rules-for-asset-allocation#comments</comments>
		<pubDate>Tue, 25 May 2010 13:30:22 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1292</guid>
		<description><![CDATA[As a special guest blog post, the Motley Fool staff has provided the following article on asset allocation.  It&#8217;s an excellent summary of some of the most important concepts of investing and asset allocation, and is definitely worth the read.  Enjoy!
By The Motley Fool
 When it comes to asset allocation, the biggest decisions come down to how [...]]]></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</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>
		<wfw:commentRss>http://keenerfinancial.com/should-you-pay-off-the-mortgage/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://keenerfinancial.com/quoted-by-jean-chatzky/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://keenerfinancial.com/may-2010-newsletter/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When an Insurance Company Fails</title>
		<link>http://keenerfinancial.com/when-an-insurance-company-fails</link>
		<comments>http://keenerfinancial.com/when-an-insurance-company-fails#comments</comments>
		<pubDate>Mon, 10 May 2010 16:24:15 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[disability insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[state guarantee association]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1254</guid>
		<description><![CDATA[Last week I attended the Financial Planning Association annual symposium in Dallas, and one of the speakers was Bart Boles, executive director for Texas&#8217; insurance guaranty association.  He shared the association&#8217;s processes when an insurance company fails, and how we as the consumer would likely be affected.  Some of the exclusions and limits are important information [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<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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