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	<title>FiGuide - A Retirement Plan That Works! &#187; Bob Rall, CFP®</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>The Best &amp; Worst Financial Predictions of 2011</title>
		<link>http://www.figuide.com/the-best-worst-financial-predictions-of-2011.html</link>
		<comments>http://www.figuide.com/the-best-worst-financial-predictions-of-2011.html#comments</comments>
		<pubDate>Fri, 30 Dec 2011 21:47:29 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

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		<description><![CDATA[2011 was an up and down year for the financial markets, but what financial predictions ended up being right and which predictions were the worst?]]></description>
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		<title>How to Diversify Your Portfolio in Today&#8217;s Economy</title>
		<link>http://www.figuide.com/how-to-diversify-your-portfolio-in-todays-economy.html</link>
		<comments>http://www.figuide.com/how-to-diversify-your-portfolio-in-todays-economy.html#comments</comments>
		<pubDate>Tue, 30 Aug 2011 11:57:54 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[investing strategy]]></category>
		<category><![CDATA[passive]]></category>
		<category><![CDATA[portfolio diversification]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=13575</guid>
		<description><![CDATA[Portfolio diversification is the crux of many investing strategies.  Buying assets that were "diversified" reduced the risk associated with "putting all your eggs in one basket".  However, today's global economy has created more similarities across asset classes that used to be diverse causing many asset classes to move in strong correlation and making it more difficult to truly diversify your investment portfolio.]]></description>
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		<title>The Debt Crisis and Your Portfolio</title>
		<link>http://www.figuide.com/the-debt-crisis-and-your-portfolio.html</link>
		<comments>http://www.figuide.com/the-debt-crisis-and-your-portfolio.html#comments</comments>
		<pubDate>Sun, 31 Jul 2011 22:00:09 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt crisis]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=13020</guid>
		<description><![CDATA[The U.S. Government has put itself in the position of not being able to pay its bills.  There’s word today that our illustrious leaders have delayed, until later today, yet another vote on a deal that would, or could, resolve this crisis.]]></description>
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		<title>Is Your CD Safe?</title>
		<link>http://www.figuide.com/is-your-cd-safe.html</link>
		<comments>http://www.figuide.com/is-your-cd-safe.html#comments</comments>
		<pubDate>Mon, 02 May 2011 12:57:21 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=11043</guid>
		<description><![CDATA[Many people are opting in for CDs in today's unstable economy, due to the guarantee of keeping the principal, regardless of the rate of return.  But are CDs as safe an investment as we think?  There are other factors to consider before investing [...]]]></description>
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		<title>Are We Having a Retirement Crisis?</title>
		<link>http://www.figuide.com/are-we-having-a-retirement-crisis.html</link>
		<comments>http://www.figuide.com/are-we-having-a-retirement-crisis.html#comments</comments>
		<pubDate>Mon, 25 Apr 2011 18:00:00 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement crisis]]></category>
		<category><![CDATA[retirement statistics]]></category>
		<category><![CDATA[saving for retirement]]></category>

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		<description><![CDATA[As more and more people struggle making ends meet, fewer are making saving for their retirement a priority.  Are they making a huge mistake or should they be more concerned with today's needs, even if it means putting off tomorrow's?]]></description>
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		<title>Is The Bond Market Ready to Burst?</title>
		<link>http://www.figuide.com/is-the-bond-market-ready-to-burst.html</link>
		<comments>http://www.figuide.com/is-the-bond-market-ready-to-burst.html#comments</comments>
		<pubDate>Fri, 25 Mar 2011 04:14:53 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10337</guid>
		<description><![CDATA[It seems like every forecast coming out of Wall St. these days is calling for a bubble burst in bonds.  You may be surprised to hear that many of those same experts were predicting the same thing last year.  Here's the real story behind bonds, bubbles, and how to adjust your portfolio accordingly. ]]></description>
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		<title>Are Bonds Next To Decline?</title>
		<link>http://www.figuide.com/are-bonds-next-to-decline.html</link>
		<comments>http://www.figuide.com/are-bonds-next-to-decline.html#comments</comments>
		<pubDate>Wed, 16 Mar 2011 13:25:38 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Bonds]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[TIPS]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10030</guid>
		<description><![CDATA[With interest rates still at record lows and economic turmoil prevalent, many experts are forecasting bonds are a doomed asset class expected to fall in value as interest rates rise.  However, not all is gloomy.  We offer some quick tips to help you understand and take action with your bond portfolio. ]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Profiting From Your Death: A Strange Insurance Policy</title>
		<link>http://www.figuide.com/profiting-from-your-death-a-strange-insurance-policy.html</link>
		<comments>http://www.figuide.com/profiting-from-your-death-a-strange-insurance-policy.html#comments</comments>
		<pubDate>Mon, 21 Feb 2011 16:14:16 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=9367</guid>
		<description><![CDATA[A new type of insurance policy, called Stranger-Owned Life Insurance seeks to calculate on when a policy owner will pass and profit when the insured dies, assuming they die before the expected date of passing.  If the insured shall live beyond the expected date of passing, investors stand to lose their investment creating a major conflict of interest]]></description>
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		<title>Famous Investing &#8220;Guru&#8217;s&#8221; 2011 Market Predictions</title>
		<link>http://www.figuide.com/famous-investing-gurus-2011-market-predictions.html</link>
		<comments>http://www.figuide.com/famous-investing-gurus-2011-market-predictions.html#comments</comments>
		<pubDate>Tue, 01 Feb 2011 02:49:45 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=9134</guid>
		<description><![CDATA[Every year, investment managers from some of Wall Street's top investment banks and mutual funds offer their economic and stock market predictions for the coming year.  Many experts typically contradict each other, leaving investors to wonder just which prediction will actually come to fruition?  Your guess is as good as ours.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The Highlights of 2010</title>
		<link>http://www.figuide.com/the-highlights-of-2010.html</link>
		<comments>http://www.figuide.com/the-highlights-of-2010.html#comments</comments>
		<pubDate>Wed, 12 Jan 2011 04:21:21 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=8872</guid>
		<description><![CDATA[2010 is gone and we are now a couple of weeks into 2011.  It’s amazing to me how the memory works.  As I reviewed what happened last year, I was surprised to see how many “major” events had already been mostly forgotten.  But 2010 was a pretty dramatic year…both inside the world of finance, where I spend most of my time, and outside…where most normal people spend their time.  Let’s take a look back at the year that was 2010.  (Note: I apologize that this article is longer than my ...]]></description>
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