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	<title>FiGuide - A Retirement Plan That Works! &#187; Chuck Rylant, MBA, 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>Making Financial Planning Easy</title>
		<link>http://www.figuide.com/making-financial-planning-easy.html</link>
		<comments>http://www.figuide.com/making-financial-planning-easy.html#comments</comments>
		<pubDate>Tue, 20 Oct 2009 00:09:34 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Fee-Only Advising]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.cjrylantwealthmanagement.com/?p=361</guid>
		<description><![CDATA[Have you ever gone to the doctor, auto mechanic or other professional and left their office more confused than when you walked in?  Last week I met with a new attorney for a consultation.  Between our two businesses, we have five different lawyers we use for various purposes.  I'm not particularly pleased about that, but [...]]]></description>
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		<title>What’s The Point Of All Of This?</title>
		<link>http://www.figuide.com/what%e2%80%99s-the-point-of-all-of-this.html</link>
		<comments>http://www.figuide.com/what%e2%80%99s-the-point-of-all-of-this.html#comments</comments>
		<pubDate>Sun, 11 Oct 2009 22:41:21 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[career]]></category>

		<guid isPermaLink="false">http://www.cjrylantwealthmanagement.com/?p=357</guid>
		<description><![CDATA[ 
If you've followed my writings for a while, you may have noticed my slant on financial planning is less about money and more about a rewarding and satisfying life.  Money is a necessary part of life, but not the purpose of it.  Sometimes we get so focused on earning money, that we forget what [...]]]></description>
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		<title>Maximize Your Life Potential (Part II)</title>
		<link>http://www.figuide.com/maximize-your-life-potential-part-ii.html</link>
		<comments>http://www.figuide.com/maximize-your-life-potential-part-ii.html#comments</comments>
		<pubDate>Thu, 10 Sep 2009 13:58:29 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[career]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[working]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=2894</guid>
		<description><![CDATA[In my last post I suggested that the hourly wage your employer exchanges for your life is worth far less than you think.  In this post I&#8217;m going to help you get a better handle on what that number really is.
To correctly estimate how much you&#8217;re worth per hour, you need to first calculate how much time you spend doing things for work that you don&#8217;t enjoy or wouldn&#8217;t do if you didn&#8217;t have to.  For example, would you go to the dry cleaner or spend time commuting to and ...]]></description>
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		<title>What are STRIP Bonds?</title>
		<link>http://www.figuide.com/what-are-strip-bonds.html</link>
		<comments>http://www.figuide.com/what-are-strip-bonds.html#comments</comments>
		<pubDate>Mon, 07 Sep 2009 09:20:56 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Questions]]></category>

		<guid isPermaLink="false">http://www.cjrylantwealthmanagement.com/?p=305</guid>
		<description><![CDATA[Bonds called Treasury Strips have buttressed many portfolios during the recent stock market downturn. As fear replaces greed as the driving force in the market, panicked investors are seeking safety, and one of the safest investments is a U.S. Treasury bond. Investors compete to buy these bonds, driving up their price. This is normal when [...]]]></description>
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		<title>Maximize Your Life Potential</title>
		<link>http://www.figuide.com/maximize-your-life-potential.html</link>
		<comments>http://www.figuide.com/maximize-your-life-potential.html#comments</comments>
		<pubDate>Sat, 29 Aug 2009 05:42:13 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[financial plan]]></category>

		<guid isPermaLink="false">http://www.cjrylantwealthmanagement.com/?p=303</guid>
		<description><![CDATA[Have you ever wondered how much your life is worth?  I'm not talking about your net worth, which is the value of everything you own minus your debt.  I mean how much you're trading your life, in exchange for your employer's money?  Strange idea, isn't it?
This will be no surprise to you, but life isn't [...]]]></description>
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		<title>How Much Do You Need to Retire?</title>
		<link>http://www.figuide.com/how-much-do-you-need-to-retire.html</link>
		<comments>http://www.figuide.com/how-much-do-you-need-to-retire.html#comments</comments>
		<pubDate>Thu, 16 Jul 2009 19:49:21 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Questions]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement number]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=275</guid>
		<description><![CDATA[Have you ever wondered what you’ve been saving all your hard earned money for? You probably answered with the obvious—retirement. But let’s be more specific; what is retirement? What does retirement mean? Does it mean quitting your job and spending the rest of your life on a golf course? I doubt you’d be golfing long before you’re just as board with golf as you were at the job you retired from.
I think a better description of retirement is “financial independence.” This means different things to different people, but I suggest ...]]></description>
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		<title>How To Lower Your Credit Card Bill</title>
		<link>http://www.figuide.com/how-to-lower-your-credit-card-bill.html</link>
		<comments>http://www.figuide.com/how-to-lower-your-credit-card-bill.html#comments</comments>
		<pubDate>Mon, 13 Jul 2009 21:53:20 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=286</guid>
		<description><![CDATA[According to a poll from the Associated Press, credit card bills can cause a tremendous amount of stress. But more importantly, that stress can lead to serious physical health problems. Not surprisingly, those polled with high debt related stress had heart attack rates twice as high as those with low debt related stress. If you’re carrying a credit card balance it doesn’t take a poll to know how stressful credit cards can be&#8211;all you need to do is to open your bill and see how expensive the interest charge was.
Part ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Am I Paying Too Much For Health Insurance?</title>
		<link>http://www.figuide.com/are-you-paying-too-much-for-health-insurance.html</link>
		<comments>http://www.figuide.com/are-you-paying-too-much-for-health-insurance.html#comments</comments>
		<pubDate>Tue, 07 Jul 2009 01:17:36 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Questions]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[HSA]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=289</guid>
		<description><![CDATA[Almost everyone knows how important health insurance is, but with rising costs, not everyone can afford it. Generally, high deductible health plans (HDHP) provide insurance that is far less expensive than other plans. If you combine the tax savings of the Health Savings Account (HSA) with the lower premiums of the HDHP, you may be able to substantially reduce your health care expenses.
An HSA is a tax-exempt account you use to pay for certain medical expenses. If eligible, you may claim a tax deduction for contributions to the HSA account ...]]></description>
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		<title>Are You Living the Stress Free Life You’ve Always Wanted?</title>
		<link>http://www.figuide.com/are-you-living-the-stress-free-life-you%e2%80%99ve-always-wanted.html</link>
		<comments>http://www.figuide.com/are-you-living-the-stress-free-life-you%e2%80%99ve-always-wanted.html#comments</comments>
		<pubDate>Wed, 20 May 2009 22:53:43 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=277</guid>
		<description><![CDATA[Just about everyone that comes into my office has the same concern, but rarely do they know what it is.  They frequently ask about retirement plans, taxes, life insurance, debt reduction or any number of other “financial” topics.  But when I probe deeper, I find that what they’re really after is something else.  They want more out of life, but just don’t ever seem to get it.
Why do so many people feel they’re not on track to living the life they desire?  It’s because they go through life reacting to ...]]></description>
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		<title>Does Fear Stop You From Living the Life You Want?</title>
		<link>http://www.figuide.com/does-fear-stop-you-from-living-the-life-you-want.html</link>
		<comments>http://www.figuide.com/does-fear-stop-you-from-living-the-life-you-want.html#comments</comments>
		<pubDate>Thu, 07 May 2009 01:10:08 +0000</pubDate>
		<dc:creator>Chuck Rylant, MBA, CFP®</dc:creator>
				<category><![CDATA[Fee-Only Advising]]></category>
		<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=298</guid>
		<description><![CDATA[A friend recently asked me about his investments. He wanted answers to a couple of very specific questions and was disappointed to hear that I would need to look at his situation from a much broader perspective. In order to give him the best advice, we would need to consider his questions in relation to all of the financial aspects of his life. This is the essence of comprehensive financial planning.
He jokingly replied “if you look at all of my finances, you will see how messed up I am.” He ...]]></description>
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