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	<title>FiGuide - A Retirement Plan That Works! &#187; Jane M. Young, CFP®, EA, MBA, CDFA</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 14 Rules of a Successful Retirement</title>
		<link>http://www.figuide.com/the-14-rules-of-a-successful-retirement.html</link>
		<comments>http://www.figuide.com/the-14-rules-of-a-successful-retirement.html#comments</comments>
		<pubDate>Tue, 13 Sep 2011 04:45:53 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=13827</guid>
		<description><![CDATA[Ever wish someone gave you simple rules to follow in order to achieve a successful retirement?  Well look no further.  These 14 simple to follow rules will help you and your family achieve the retirement that you so desire. ]]></description>
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		<title>10 Things You Need to Do to Get Through This Volatile Market</title>
		<link>http://www.figuide.com/10-things-you-need-to-do-to-get-through-this-volatile-market.html</link>
		<comments>http://www.figuide.com/10-things-you-need-to-do-to-get-through-this-volatile-market.html#comments</comments>
		<pubDate>Fri, 19 Aug 2011 10:25:44 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing strategy]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=13390</guid>
		<description><![CDATA[Whether we're in another "formal" recession or not, you need to follow this 10-step rule to make sure you get through these volatile times and you don't fall victim to crashing markets.  ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Your End of The Year Financial Check  List</title>
		<link>http://www.figuide.com/your-end-of-the-year-financial-check-list.html</link>
		<comments>http://www.figuide.com/your-end-of-the-year-financial-check-list.html#comments</comments>
		<pubDate>Thu, 02 Dec 2010 21:02:58 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=8262</guid>
		<description><![CDATA[The end of 2010 is fast approaching.  See what financial items you should review and analyze before the end of the year.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Boosting Returns in a Stagnant Economy</title>
		<link>http://www.figuide.com/7481.html</link>
		<comments>http://www.figuide.com/7481.html#comments</comments>
		<pubDate>Tue, 05 Oct 2010 21:55:17 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Bonds]]></category>

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		<description><![CDATA[If you want a higher return and you are willing to take some additional risk, consider short term bond funds. A short term bond fund that invests primarily in treasuries and government agency bonds has a very low default risk. However, there is some interest rate risk. ]]></description>
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		<title>The Demise of an Investment Portfolio &#8211; Emotions and Market Timing</title>
		<link>http://www.figuide.com/the-demise-of-an-investment-portfolio-emotions-and-market-timing.html</link>
		<comments>http://www.figuide.com/the-demise-of-an-investment-portfolio-emotions-and-market-timing.html#comments</comments>
		<pubDate>Tue, 01 Jun 2010 11:59:54 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[Equities]]></category>
		<category><![CDATA[forecasting]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Market timing]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6332</guid>
		<description><![CDATA[Forecasting the short-term movement of the stock market and trying to time the market is fruitless.  As in all areas of our lives, we can’t control what life throws at us but we can establish a defensive position to best deal with a variety of outcomes.  When it comes to our investments, we accomplish this through diversification, dollar cost averaging, maintaining an emergency fund and staying the course.   We need to fight the natural inclination to make financial decisions based on emotions.   Don’t forget that the stock market is counter-intuitive. ...]]></description>
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		<title>The Two Type of Financial Forecasters</title>
		<link>http://www.figuide.com/the-two-type-of-financial-forecasters.html</link>
		<comments>http://www.figuide.com/the-two-type-of-financial-forecasters.html#comments</comments>
		<pubDate>Thu, 27 May 2010 00:59:47 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.janeyoungcfp.com/?p=164</guid>
		<description><![CDATA[About once a week a client asks me about the latest prognostication from some famous so called “financial expert/alarmist.” They are either predicting the demise of the world as we know it or predicting a triple digit increase in the stock market. Maybe I am exaggerating, just a little, but we’ve [...]]]></description>
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		<title>Resolve Your Family Finances This Valentine&#8217;s Day</title>
		<link>http://www.figuide.com/resolve-your-family-finances-this-valentines-day.html</link>
		<comments>http://www.figuide.com/resolve-your-family-finances-this-valentines-day.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 20:11:33 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[goal setting]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[strategic planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=5363</guid>
		<description><![CDATA[Valentine’s Day is a time for showing love and appreciation for someone special in your life.   It’s also a good time to work on your relationship and work on issues that cause conflict.  One of the biggest sources of conflict and disagreement in relationships is money.  Money itself isn’t the cause of our disagreements; we fight over our divergent goals and priorities for money.  Many fights arise out of the lack of communication about our wishes, hopes and dreams.   If you and your partner are constantly squabbling about money and how you spend your household income, I have a fun Valentine’s Day solution for you.[...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Should You Convert To A Roth IRA?</title>
		<link>http://www.figuide.com/should-you-convert-to-a-roth-ira.html</link>
		<comments>http://www.figuide.com/should-you-convert-to-a-roth-ira.html#comments</comments>
		<pubDate>Sat, 30 Jan 2010 00:08:26 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[IRA Center]]></category>
		<category><![CDATA[Questions]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[Required Minimum Distribution]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Roth Conversion]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=3554</guid>
		<description><![CDATA[With a Roth IRA you pay income tax now and not upon distribution.  With a traditional IRA you defer taxes today and pay income taxes upon deferral.  When you convert a Traditional IRA to a Roth IRA you must pay regular income taxes on the amount that is converted.  The advisability of converting to a Roth depends on the length of time you have until you take distributions, your tax rate today and your anticipated tax rate upon retirement and your projected return on your investments.
When you run your numbers ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>My New Year&#8217;s Resolution Challenge to You!</title>
		<link>http://www.figuide.com/my-new-years-resolution-challenge-to-you.html</link>
		<comments>http://www.figuide.com/my-new-years-resolution-challenge-to-you.html#comments</comments>
		<pubDate>Thu, 31 Dec 2009 17:02:24 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[goal setting]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[new year's resolution]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[strategic planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=4084</guid>
		<description><![CDATA[I am a huge fan of short and long term goal setting and the use of to-do lists.  We can be much more productive if we organize our objectives and our time.  I wouldn’t set out on a major vacation without an itinerary nor would I try to cook a complicated dish without a recipe.  Without goals or to-do lists we are too easily distracted.  We waste a lot of time and end up going down the wrong path.
I encourage everyone to start with a list of about 20-30 long ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>10 Great Money-Saving Ideas for the Holidays!</title>
		<link>http://www.figuide.com/10-great-money-saving-ideas-for-the-holidays.html</link>
		<comments>http://www.figuide.com/10-great-money-saving-ideas-for-the-holidays.html#comments</comments>
		<pubDate>Tue, 01 Dec 2009 18:09:09 +0000</pubDate>
		<dc:creator>Jane M. Young, CFP®, EA, MBA, CDFA</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[holidays]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[saving money]]></category>

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		<description><![CDATA[1.  Make a plan – who will receive a gift and how much do you plan to spend?  Stick to your plan, keep track of your spending, and don’t spend on impulse.
2. Start early and give yourself plenty of time to select gifts and compare prices.  We always over buy and spend too much when pressed for time. 
3. Find creative ways to reduce the number of people for whom you plan to give gifts.[...]]]></description>
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