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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Living Well</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>September Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/september-personal-finance-newsletter-2?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=september-personal-finance-newsletter-2</link>
		<comments>http://keenerfinancial.com/september-personal-finance-newsletter-2#comments</comments>
		<pubDate>Mon, 19 Sep 2011 21:28:30 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[European debt crisis]]></category>
		<category><![CDATA[flexible spending accounts]]></category>
		<category><![CDATA[FSA]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[spousal IRA]]></category>

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		<description><![CDATA[The September personal finance newsletter is now available.  It includes an update on market conditions and advice on the best response to the continued stock market volatility.  In addition, we have perspective on the European debt crisis and information on spousal IRAs and healthcare flexible spending accounts.   Please click here to read the newsletter.
]]></description>
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		<item>
		<title>Remodels and Renovations that Pay Off Financially</title>
		<link>http://keenerfinancial.com/remodels-and-renovations-that-pay-off-financially?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=remodels-and-renovations-that-pay-off-financially</link>
		<comments>http://keenerfinancial.com/remodels-and-renovations-that-pay-off-financially#comments</comments>
		<pubDate>Mon, 19 Sep 2011 15:16:46 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Remodeling ROI]]></category>

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		<description><![CDATA[Special Guest Post by North Texas Home Designer Lisa Baer
Move or remodel? Given the current condition of the housing market in North Texas and elsewhere in the country, many homeowners are finding remodeling a better option than moving. A strong housing market may be some months away, and many homeowners are considering investing in their [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Yours, Mine, and Ours: Achieving Financial Goals as Individuals and a Couple</title>
		<link>http://keenerfinancial.com/yours-mine-and-ours-achieving-financial-goals-as-individuals-and-a-couple?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=yours-mine-and-ours-achieving-financial-goals-as-individuals-and-a-couple</link>
		<comments>http://keenerfinancial.com/yours-mine-and-ours-achieving-financial-goals-as-individuals-and-a-couple#comments</comments>
		<pubDate>Sun, 28 Aug 2011 16:53:44 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Women's Issues]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[couples and money]]></category>
		<category><![CDATA[financial goals]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1591</guid>
		<description><![CDATA[Making sound financial decisions is challenging enough when it’s just you – one person deciding on what’s best for his or her short-term and long-term goals.  But add in a spouse, and the choices multiply!  You now have two more sets of goals – your spouse’s and your combined goals as a couple.  Plus, we [...]]]></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>
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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>Pink Slip Lemonade</title>
		<link>http://keenerfinancial.com/pink-slip-lemonade?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=pink-slip-lemonade</link>
		<comments>http://keenerfinancial.com/pink-slip-lemonade#comments</comments>
		<pubDate>Mon, 05 Oct 2009 17:39:38 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[career transition]]></category>
		<category><![CDATA[financial planning for transition]]></category>
		<category><![CDATA[surviving job loss]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=997</guid>
		<description><![CDATA[As the economy begins its recovery but the job losses keep coming, many are finding the need to be creative with their careers and their financial situation.  Last week, I had the pleasure of spending some time chatting with fellow Garrett Planning Network member Sherrill St. Germain, CFP®.  Sherrill&#8217;s built a financial planning practice in New [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Choose a Financial Planner</title>
		<link>http://keenerfinancial.com/how-to-choose-a-financial-planner?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=how-to-choose-a-financial-planner</link>
		<comments>http://keenerfinancial.com/how-to-choose-a-financial-planner#comments</comments>
		<pubDate>Mon, 31 Aug 2009 15:00:40 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[choosing a financial planner]]></category>
		<category><![CDATA[financial advisor qualification]]></category>
		<category><![CDATA[financial advisor training]]></category>
		<category><![CDATA[how to choose a financial advisor]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=880</guid>
		<description><![CDATA[You may be considering seeking some professional financial advice.  Or, if you already have a financial advisor, you may be wondering if they&#8217;re doing a good job for you.
You&#8217;re likely juggling 2 sets of questions as you consider this decision:
The first set is personal:

Do I like the advisor enough to spend significant amounts of time [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Couples, Investing, and Risk</title>
		<link>http://keenerfinancial.com/couples-investing-and-risk?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=couples-investing-and-risk</link>
		<comments>http://keenerfinancial.com/couples-investing-and-risk#comments</comments>
		<pubDate>Tue, 21 Jul 2009 14:05:17 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[couples and money]]></category>
		<category><![CDATA[investing for couples]]></category>
		<category><![CDATA[money in relationships]]></category>
		<category><![CDATA[risk tolerance]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=782</guid>
		<description><![CDATA[It&#8217;s pretty common for spouses to be at different points on the risk tolerance spectrum.  If you&#8217;re one of these couples, you know that these differences can have varying effects on the relationship and your investing behavior.
Sometimes, the more conservative spouse just completely delegates investing decisions to the other spouse and just shuts their eyes when [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Forgiveness and Money</title>
		<link>http://keenerfinancial.com/forgiveness-and-money?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=forgiveness-and-money</link>
		<comments>http://keenerfinancial.com/forgiveness-and-money#comments</comments>
		<pubDate>Mon, 15 Jun 2009 11:21:50 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[attitudes toward money]]></category>
		<category><![CDATA[forgiveness and money]]></category>
		<category><![CDATA[managing money]]></category>
		<category><![CDATA[relationship with money]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=674</guid>
		<description><![CDATA[I invited Kristin Robertson, president of Brio Leadership, to do a guest post on the Keener Financial Planning blog this morning about forgiveness. 
As we seek to manage our money in smarter ways, many times our experiences with money in our past play a key role in the decisions we&#8217;re making today.  We inherit attitudes about spending [...]]]></description>
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		</item>
		<item>
		<title>Forgiveness: 5 Reasons It&#8217;s Good for You</title>
		<link>http://keenerfinancial.com/forgiveness-5-reasons-its-good-for-you?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=forgiveness-5-reasons-its-good-for-you</link>
		<comments>http://keenerfinancial.com/forgiveness-5-reasons-its-good-for-you#comments</comments>
		<pubDate>Mon, 15 Jun 2009 11:02:12 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Living Well]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[acceptance]]></category>
		<category><![CDATA[forgive]]></category>
		<category><![CDATA[forgiveness]]></category>
		<category><![CDATA[forgiveness steps]]></category>
		<category><![CDATA[forgiving]]></category>
		<category><![CDATA[importance of forgiveness]]></category>
		<category><![CDATA[learning to forgive]]></category>
		<category><![CDATA[letting go]]></category>
		<category><![CDATA[life balance]]></category>
		<category><![CDATA[power of forgiveness]]></category>
		<category><![CDATA[self forgiveness]]></category>
		<category><![CDATA[what is forgiveness]]></category>

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		<description><![CDATA[
By Guest Blogger Kristin Robertson, President, Brio Leadership
 Remember how a nice warm bowl of chicken soup helps you feel better when you have the flu? Well forgiveness and have the same effect when what ails you is a grievance from the past.
Did you know that you really forgive others to help yourself &#8212; not to [...]]]></description>
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		<slash:comments>1</slash:comments>
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