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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; Investing</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>January 2012 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/january-2012-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=january-2012-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/january-2012-personal-finance-newsletter#comments</comments>
		<pubDate>Tue, 17 Jan 2012 21:14:24 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[2011 market recap]]></category>
		<category><![CDATA[Keller financial planning]]></category>
		<category><![CDATA[Keller Personal Finance Workshops]]></category>

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		<description><![CDATA[The January 2012 personal finance newsletter is now available.  It includes a 2011 investment market recap from Dimensional Fund Advisors with data on all the major indices and a summary of the major investing themes of 2011.  In addition, there&#8217;s a comparison between the dividend rates of the S&#38;P 500 and interest rate on treasuries [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		</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>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>August Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/august-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=august-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/august-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 15 Aug 2011 17:27:30 +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[Your Finances]]></category>
		<category><![CDATA[A/B trusts]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[credit downgrade]]></category>
		<category><![CDATA[debt ceiling]]></category>
		<category><![CDATA[medicaid]]></category>
		<category><![CDATA[medicare]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1585</guid>
		<description><![CDATA[The August personal finance newsletter is now available.  It features a Q&#38;A on the debt ceiling, downgrade, and market response.  Plus there&#8217;s a follow-up on the ABCs of Trusts article from last month&#8217;s newsletter, suggestions on talking with your high school student about college costs, an analysis of the real costs of keeping your long-term [...]]]></description>
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		</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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		</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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		</item>
		<item>
		<title>Low-Cost Investing Basics</title>
		<link>http://keenerfinancial.com/low-cost-investing-basics?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=low-cost-investing-basics</link>
		<comments>http://keenerfinancial.com/low-cost-investing-basics#comments</comments>
		<pubDate>Tue, 10 May 2011 13:43:02 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Seminars & Events]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1515</guid>
		<description><![CDATA[I will be hosting a free investment workshop at the Keller Library on Tuesday, May 17 at 6:30 pm.
This workshop will cover the fundamentals of successful long-term, goals-based investing.  Effective investing doesn&#8217;t have to be complicated, but with so much information available, it can be difficult to tell fact from fiction.  This workshop will reveal common pitfalls [...]]]></description>
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		</item>
		<item>
		<title>March Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/march-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=march-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/march-personal-finance-newsletter#comments</comments>
		<pubDate>Mon, 14 Mar 2011 15:42:15 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Budgeting and Saving]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1459</guid>
		<description><![CDATA[The March personal financial planning newsletter is now available.   It includes an update on the investment market, tips on cutting discretionary spending to build your cash reserve, planned charitable giving, and social security survivors benefit.  There&#8217;s also a special guest column from attorney Rania Combs on the complexities of dying intestate (without a will) for individuals in [...]]]></description>
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		</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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		</item>
		<item>
		<title>January 2011 Personal Finance Newsletter</title>
		<link>http://keenerfinancial.com/january-2011-personal-finance-newsletter?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=january-2011-personal-finance-newsletter</link>
		<comments>http://keenerfinancial.com/january-2011-personal-finance-newsletter#comments</comments>
		<pubDate>Fri, 14 Jan 2011 19:53:31 +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[Legislative Changes]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Newsletters]]></category>
		<category><![CDATA[Seminars & Events]]></category>
		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[estate tax]]></category>
		<category><![CDATA[market update]]></category>

		<guid isPermaLink="false">http://keenerfinancial.com/?p=1432</guid>
		<description><![CDATA[The January newsletter is now available with a 2010 investment market recap, a humorous look at investing resolutions for the new year, and details on the estate tax changes enacted in December.  It also includes an announcement of topics for the Keller Public Library personal finance workshop series for January &#8211; June.  Click here to [...]]]></description>
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