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	<title>FiGuide - A Retirement Plan That Works! &#187; Bill Schultheis</title>
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	<description>FiGuide&#039;s free daily tips provides short, actionable strategies to help you achieve a successful, worry-free retirement.</description>
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		<title>Lessons Learned From the Market&#8217;s Comeback</title>
		<link>http://www.figuide.com/lessons-learned-from-the-markets-comeback.html</link>
		<comments>http://www.figuide.com/lessons-learned-from-the-markets-comeback.html#comments</comments>
		<pubDate>Tue, 30 Aug 2011 21:09:50 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=2197</guid>
		<description><![CDATA[First the S&#038;P 500 dropped 10%, now it's up 11%.  This Summer has been a wild roller coaster ride for the markets, however the wild ride also offers investors invaluable lessons for future investing. ]]></description>
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		<title>How To Build a Portfolio That Works For You – Not Against You</title>
		<link>http://www.figuide.com/how-to-build-a-portfolio-that-works-for-you-%e2%80%93-not-against-you.html</link>
		<comments>http://www.figuide.com/how-to-build-a-portfolio-that-works-for-you-%e2%80%93-not-against-you.html#comments</comments>
		<pubDate>Mon, 22 Aug 2011 10:42:54 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=2181</guid>
		<description><![CDATA[One misconception that has evolved over the years is the notion that The Coffeehouse portfolio is the 60/40 allocation split of seven index funds that I highlighted when writing my weekly column in The King County Journal and other newspapers from 1999 to 2007. A “Coffeehouse” portfolio is a philosophy on how to build one, not a specific portfolio or allocation. ]]></description>
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		<title>Why You Need to Forget About the Debt Crisis and Get on With Your Life</title>
		<link>http://www.figuide.com/why-you-need-to-forget-about-the-debt-crisis-and-get-on-with-your-life.html</link>
		<comments>http://www.figuide.com/why-you-need-to-forget-about-the-debt-crisis-and-get-on-with-your-life.html#comments</comments>
		<pubDate>Tue, 02 Aug 2011 22:12:54 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=2072</guid>
		<description><![CDATA[As the debt ceiling rhetoric unfolds this week, take a moment to remind yourself that your saving and spending decisions are far FAR more important than anything that comes out of the Washington beltway. ]]></description>
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		<title>Seeking Financial Advice You Can Count On</title>
		<link>http://www.figuide.com/seeking-financial-advice-you-can-count-on.html</link>
		<comments>http://www.figuide.com/seeking-financial-advice-you-can-count-on.html#comments</comments>
		<pubDate>Sat, 16 Jul 2011 15:00:55 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=2033</guid>
		<description><![CDATA[I have an old, tattered FORTUNE magazine on my bookshelf, dated October 31, 1994.  The cover shows a bunch of raised fists, with a headline story titled, “The Coming Investor Revolt – Why Mutual fund Managers, Investment Advisors, and Brokers Aren’t Earning Their Keep.”  I submitted that magazine article, along with my cover letter, to [...]]]></description>
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		<title>How To Overcome The Challenge of Change</title>
		<link>http://www.figuide.com/how-to-overcome-the-challenge-of-change.html</link>
		<comments>http://www.figuide.com/how-to-overcome-the-challenge-of-change.html#comments</comments>
		<pubDate>Thu, 07 Jul 2011 19:49:42 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1987</guid>
		<description><![CDATA[We all seek the power to change our  lives for the better, however change is never easy.  Here is some guidance and practices to help you assess what you are looking to change in your life and most importantly, how to make those changes a reality. ]]></description>
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		<title>Financial Planning During Retirement</title>
		<link>http://www.figuide.com/financial-planning-during-retirement.html</link>
		<comments>http://www.figuide.com/financial-planning-during-retirement.html#comments</comments>
		<pubDate>Fri, 20 May 2011 12:55:55 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1790</guid>
		<description><![CDATA[Often people ask how long their retirement funds will last during retirement.  An easy step in estimating the duration of your portfolio is to first calculate your monthly burn rate.  We show you how here:]]></description>
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		<title>What Goes Up Must Come Down</title>
		<link>http://www.figuide.com/what-goes-up-must-come-down.html</link>
		<comments>http://www.figuide.com/what-goes-up-must-come-down.html#comments</comments>
		<pubDate>Thu, 19 May 2011 13:05:56 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1783</guid>
		<description><![CDATA[The law of gravity is a powerful and we often feel its effects in other "non-natural" environments like the stock market.  ]]></description>
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		<title>What&#8217;s Wrong With 401k Plans?</title>
		<link>http://www.figuide.com/whats-wrong-with-401k-plans.html</link>
		<comments>http://www.figuide.com/whats-wrong-with-401k-plans.html#comments</comments>
		<pubDate>Tue, 17 May 2011 00:31:24 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[401k Center]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1778</guid>
		<description><![CDATA[401k plans are the most popular employer sponsored retirement savings plan in this country, yet expert after expert continue to criticize them, and rightfully so; here's why:]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why The Stock Market Reverts To Its Mean</title>
		<link>http://www.figuide.com/why-the-stock-market-reverts-to-its-mean.html</link>
		<comments>http://www.figuide.com/why-the-stock-market-reverts-to-its-mean.html#comments</comments>
		<pubDate>Sat, 14 May 2011 13:26:36 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1765</guid>
		<description><![CDATA[The stock market is known for it's wild swings.  In some instances, markets can be drastically overvalued, and in others, very undervalued, however over time, the stock market indices always tend to revert back to their means or "fair market value"]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are You Singing The Bear Market Blues?</title>
		<link>http://www.figuide.com/are-you-singing-the-bear-market-blues.html</link>
		<comments>http://www.figuide.com/are-you-singing-the-bear-market-blues.html#comments</comments>
		<pubDate>Tue, 03 May 2011 19:37:35 +0000</pubDate>
		<dc:creator>Bill Schultheis</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[bear market]]></category>
		<category><![CDATA[benchmarking]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.coffeehouseinvestor.com/?p=1665</guid>
		<description><![CDATA[Bear markets undoubtedly represent trouble to many investors.  If you're among them, it's helpful to know that there are some things to consider that may put it in perspective and keep you from singing the bear market blues [...]]]></description>
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