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	<title>FiGuide - A Retirement Plan That Works!</title>
	
	<link>http://www.figuide.com</link>
	<description>FiGuide's free daily tips provides short, actionable strategies to help you achieve a successful, worry-free retirement.</description>
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		<title>Are Old Money Messages Piloting Your Kayak?</title>
		<link>http://www.figuide.com/are-old-money-messages-piloting-your-kayak.html</link>
		<comments>http://www.figuide.com/are-old-money-messages-piloting-your-kayak.html#comments</comments>
		<pubDate>Wed, 23 May 2012 19:31:02 +0000</pubDate>
		<dc:creator>Holly P. Thomas, MBA, CFP®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Behavioral Finance]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">https://hollypthomas.wordpress.com/?p=248</guid>
		<description><![CDATA[One of my findings from some recent workshop participants was that many of us grow up with the same “money messages.” Money messages can be either implied or direct. They can range from “Money doesn’t grow on trees,” to “You can’t take it with you!” I find during workshops that if I cover the walls with these money messages, as participants read them, the messages often elicit memories of specific people in their early lives. Often these people are authority figures like a parent, minister, or teacher. Therefore, messages get conveyed to us at a very early age.]]></description>
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		<item>
		<title>Healthcare Costs Continue to Pressure Retirement Planning</title>
		<link>http://www.figuide.com/healthcare-costs-continue-to-pressure-retirement-planning.html</link>
		<comments>http://www.figuide.com/healthcare-costs-continue-to-pressure-retirement-planning.html#comments</comments>
		<pubDate>Wed, 23 May 2012 14:36:54 +0000</pubDate>
		<dc:creator>Jeffrey N. Bogue, CFP®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.jeffbogue.com/?p=289</guid>
		<description><![CDATA[Healthcare costs continue to put financial pressure on retirees. Fidelity Investments annually conducts an estimate of future retiree health care costs. In their latest release, they estimate a 65 year old couple with $75,000 in household income who retires this year should expect $10,476 in annual health care expenses and $240,000 over the course of their retirement. ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Ideal Roth Conversion Candidate – Low or No Tax</title>
		<link>http://www.figuide.com/ideal-roth-conversion-candidate-low-or-no-tax.html</link>
		<comments>http://www.figuide.com/ideal-roth-conversion-candidate-low-or-no-tax.html#comments</comments>
		<pubDate>Wed, 23 May 2012 12:30:10 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth Conversion]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=5088</guid>
		<description><![CDATA[One of the planning options that most all folks have available to them is the Roth IRA Conversion.  For the uninitiated, a Roth IRA Conversion is a transaction where you move money from a Traditional IRA or a Qualified Retirement Plan (QRP) such as a 401(k) into a Roth IRA.  With this transaction, if any of the funds in the original account was pre-tax, that amount would be included in income as potentially taxable in the year of the Conversion.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How Investors Can Avoid the Toxicity of Wall Street</title>
		<link>http://www.figuide.com/how-investors-can-avoid-the-toxicity-of-wall-street.html</link>
		<comments>http://www.figuide.com/how-investors-can-avoid-the-toxicity-of-wall-street.html#comments</comments>
		<pubDate>Wed, 23 May 2012 11:34:34 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://chamberlainfp.com/?p=1193</guid>
		<description><![CDATA[Last week’s op-ed piece by Greg Smith regarding his former employer, Goldman Sachs, was another example of a large financial services company being incentivized to make as much profit as possible at the expense of the client. But I think that, perhaps, the key reason is that most investors fail to understand the inherent conflict [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Chase Loss Shows Hidden Risk In Banks</title>
		<link>http://www.figuide.com/chase-loss-shows-hidden-risk-in-banks.html</link>
		<comments>http://www.figuide.com/chase-loss-shows-hidden-risk-in-banks.html#comments</comments>
		<pubDate>Mon, 21 May 2012 16:36:00 +0000</pubDate>
		<dc:creator>Don Martin</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?guid=ea7dca99580906414f05f77c9ec05390</guid>
		<description><![CDATA[The very low interest rates are forcing banks and insurance companies to gamble with their investments to make up for the lower returns they get from traditional investments. These companies are allowed to use hypothetical loss estimates which can be changed. They are allowed to “mark to book value” (the purchase price) or they can recognize a gain when they sell. So these companies are skating on thin ice by taking increasing greater risks to earn money through short term trading like the fiasco at Chase where Chase lost $2 Billion to $3 Billion in bonds CDS contracts.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Guaranteed Income Annuities: The Holy Grail of Investments?</title>
		<link>http://www.figuide.com/guaranteed-income-annuities-the-holy-grail-of-investments.html</link>
		<comments>http://www.figuide.com/guaranteed-income-annuities-the-holy-grail-of-investments.html#comments</comments>
		<pubDate>Mon, 21 May 2012 16:30:00 +0000</pubDate>
		<dc:creator>Lon Jefferies, CFP®, MBA</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[fee-only]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?guid=2b8db157213a5140ced6cd40222507a0</guid>
		<description><![CDATA[I recently encountered a client who was anxious to liquidate his diversified IRA portfolio to invest in an annuity that guaranteed a set income throughout retirement. The client had been approached by an annuity salesman who touted an annuity guarantee...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Who Is On The Hook For Decisions Made In Your 401(k)</title>
		<link>http://www.figuide.com/who-is-on-the-hook-for-decisions-made-in-your-401k.html</link>
		<comments>http://www.figuide.com/who-is-on-the-hook-for-decisions-made-in-your-401k.html#comments</comments>
		<pubDate>Mon, 21 May 2012 14:42:34 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Michael Chamberlain]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://chamberlainfc.com/?p=582</guid>
		<description><![CDATA[Recently Wal-Mart agreed to pay $3.5 million to settle a lawsuit filed by its employees claiming that the country’s largest employer failed to properly supervise the company 401(k). There have been other similar suits and more will come.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>A Critical Safety Net Is Shrinking</title>
		<link>http://www.figuide.com/a-critical-safety-net-is-shrinking.html</link>
		<comments>http://www.figuide.com/a-critical-safety-net-is-shrinking.html#comments</comments>
		<pubDate>Mon, 21 May 2012 12:46:54 +0000</pubDate>
		<dc:creator>Ken Weingarten, MBA, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.weingartenassociates.com/blog/?p=219</guid>
		<description><![CDATA[When we are young it is difficult to peer into the future 20, 30, 40 or more years and imagine needing physical assistance with some of the basic activities of daily living such as dressing or feeding ourselves. The reality [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How 401(k) Contributions Affect Your Paycheck</title>
		<link>http://www.figuide.com/how-401k-contributions-affect-your-paycheck.html</link>
		<comments>http://www.figuide.com/how-401k-contributions-affect-your-paycheck.html#comments</comments>
		<pubDate>Mon, 21 May 2012 12:27:05 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[401k Center]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[IRS]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=5038</guid>
		<description><![CDATA[As you begin a new job, or if you are a longer-term employee who is just starting to make contributions to a 401(k) plan, you are confronted with a question:  How does a contribution to the 401(k) plan impact the final take home pay on my paycheck? ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Penalties for Failure to File or Pay</title>
		<link>http://www.figuide.com/penalties-for-failure-to-file-or-pay.html</link>
		<comments>http://www.figuide.com/penalties-for-failure-to-file-or-pay.html#comments</comments>
		<pubDate>Thu, 17 May 2012 15:00:28 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[FiGuide]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[napfa]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://financialducksinarow.com/?p=5026</guid>
		<description><![CDATA[When you don’t file your tax return or if you don’t pay the tax owed on time, the IRS has specific penalties that are applied to your account.  Recently the IRS issued their Tax Tip 2012-74, which lists eight facts about these penalties.]]></description>
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		<slash:comments>0</slash:comments>
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