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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Taxes</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>December 2011 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/december-2011-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=december-2011-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/december-2011-personal-finance-newsletter#comments</comments>
		<pubDate>Tue, 20 Dec 2011 15:53:01 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2012 gift tax exclusion]]></category>
		<category><![CDATA[online account security]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1720</guid>
		<description><![CDATA[The December personal finance newsletter is now available.   It includes information on a new student loan repayment program going into effect in January 2012, gift tax strategies, and tips on keeping your online accounts secure.  Plus, for those that enjoy history, there&#8217;s some perspective on stock market cycles and the effect of being in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1711</guid>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Harvesting Investment Losses for Tax Purposes</title>
		<link>http://keenerfinancial.com/harvesting-investment-losses-for-tax-purposes?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=harvesting-investment-losses-for-tax-purposes</link>
		<comments>http://keenerfinancial.com/harvesting-investment-losses-for-tax-purposes#comments</comments>
		<pubDate>Tue, 25 Oct 2011 20:29:44 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1693</guid>
		<description><![CDATA[You frequently hear investment professionals suggest “harvesting losses” before the end of the calendar year to save money on taxes.  Loss harvesting can be a highly productive strategy, and it pays to understand how it works and when you might not want to take advantage of it.
The opportunity to harvest losses is available in taxable [...]]]></description>
		<wfw:commentRss>http://keenerfinancial.com/harvesting-investment-losses-for-tax-purposes/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>July Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/july-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=july-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/july-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 14 Jul 2011 20:06:30 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[mileage rates]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1544</guid>
		<description><![CDATA[The July personal financial planning newsletter is now available.
Because of the tumultuous investment markets and economic uncertainty, the newsletter includes two investing columns &#8212; one a recap of the second quarter market performance with a look forward, and another by Jim Parker with Dimensional Funds providing some compelling data on the importance of maintaining investment [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>February Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/february-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=february-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/february-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 14 Feb 2011 17:52:26 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[cost basis]]></category>
		<category><![CDATA[health care law]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[market update]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[RMDs]]></category>
		<category><![CDATA[tax-free charitable contributions]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1445</guid>
		<description><![CDATA[The February personal finance newsletter is now available.  In addition to the investing market update, the topics are:

Extension of tax-free charitable contribution option from IRAs for those over 70 1/2
New cost basis reporting rules (important for those with taxable investment accounts)
Summary of the health care law provisions going into effect this year

Click here to read [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>December Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/december-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=december-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/december-personal-finance-newsletter#comments</comments>
		<pubDate>Thu, 16 Dec 2010 19:26:01 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1428</guid>
		<description><![CDATA[The December 2010 personal finance newsletter is now available.  It includes an important update on social security rules, 2011 IRS mileage rates, considerations in rolling your traditional 401(k) to a Roth IRA, and changes to the adoption assistance program.  As always, there&#8217;s also an investment market update.  Please click here to view the newsletter.
]]></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>Social Security Workshop at Keller Public Library</title>
		<link>http://keenerfinancial.com/social-security-workshop-at-keller-public-library?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=social-security-workshop-at-keller-public-library</link>
		<comments>http://keenerfinancial.com/social-security-workshop-at-keller-public-library#comments</comments>
		<pubDate>Wed, 11 Aug 2010 14:23:27 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Keller retirement planning]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1320</guid>
		<description><![CDATA[I am conducting a free workshop on social security planning strategies at the Keller Public Library on Tuesday, August 17 at 6:30 pm.  The session will cover what baby boomers need to know to maximize their retirement income.   Attendees will learn:

5 factors to consider when deciding when to apply for benefits
Why you should always check your earnings [...]]]></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>
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