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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; budgeting</title>
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	<link>http://keenerfinancial.com</link>
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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>
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		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
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		<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>

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		<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>2nd income analysis</title>
		<link>http://keenerfinancial.com/2nd-income-analysis</link>
		<comments>http://keenerfinancial.com/2nd-income-analysis#comments</comments>
		<pubDate>Mon, 27 Jul 2009 21:46:57 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
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		<category><![CDATA[Women's Issues]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2nd income analysis]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[going back to work]]></category>
		<category><![CDATA[stay-at-home spouse]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=792</guid>
		<description><![CDATA[If you&#8217;re like many folks right now, you may be trying to determine if having a stay-at-home spouse go back to work would be beneficial to your financial situation.  The answer is not always clear-cut, so you want to make sure you do the math.
A second-income analysis involves an evaluation of the net after-tax benefit [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Keep an eye on your credit</title>
		<link>http://keenerfinancial.com/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, CRPC, CFDP</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>

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		<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>
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		<title>10 Tools to Build an Emergency Fund</title>
		<link>http://keenerfinancial.com/10-tools-to-build-an-emergency-fund</link>
		<comments>http://keenerfinancial.com/10-tools-to-build-an-emergency-fund#comments</comments>
		<pubDate>Mon, 22 Jun 2009 14:45:31 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC, CFDP</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
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		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[budgeting and saving]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[paycheck]]></category>

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		<description><![CDATA[So, you know you need an emergency fund.  You&#8217;ve been trying to build one, but just can&#8217;t seem to get there. 
The percentage of people living paycheck to paycheck ranges depending on who’s surveying from 47% (Careerbuilder 2008 survey)  to 71% (American Payroll Association 2008 survey).  This issue isn&#8217;t unique to any particular income level &#8212; the Careerbuilder survey [...]]]></description>
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