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	<title>FiGuide - A Retirement Plan That Works! &#187; Michael Chamberlain, 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>How Much Should You Save in Your 401k?</title>
		<link>http://www.figuide.com/how-much-should-you-save-in-your-401k.html</link>
		<comments>http://www.figuide.com/how-much-should-you-save-in-your-401k.html#comments</comments>
		<pubDate>Wed, 09 Nov 2011 17:52:50 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>

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		<description><![CDATA[401ks are popular retirement investment vehicles that allow you to put money into the account tax-free, but just how much can and should you be saving in your 401k accounts?]]></description>
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		<title>You Need to Refinance Your Mortgage Now</title>
		<link>http://www.figuide.com/you-need-to-refinance-your-mortgage-now.html</link>
		<comments>http://www.figuide.com/you-need-to-refinance-your-mortgage-now.html#comments</comments>
		<pubDate>Fri, 23 Sep 2011 15:46:30 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Mortgage rates are low, and odds are they can't go much lower.  As a homeowner, this means you could be saving thousands by refinancing.  If you're waiting to refinance, don't.  Now is the time to refinance. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Are You a Victim of Illegal Investment Advice?</title>
		<link>http://www.figuide.com/are-you-a-victim-of-illegal-investment-advice.html</link>
		<comments>http://www.figuide.com/are-you-a-victim-of-illegal-investment-advice.html#comments</comments>
		<pubDate>Wed, 15 Jun 2011 19:18:32 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>

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		<description><![CDATA[It is all too common: an insurance salesperson who comes to your home after you attend a free seminar or a bank employee recommends that you cash out some or all of your stocks, bonds, or mutual funds and purchase an annuity. In doing so, they have broken the law and may not even be [...]]]></description>
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		<title>5 Characteristics of a Great 401(k) Plan</title>
		<link>http://www.figuide.com/5-characteristics-of-a-great-401k-plan.html</link>
		<comments>http://www.figuide.com/5-characteristics-of-a-great-401k-plan.html#comments</comments>
		<pubDate>Mon, 13 Jun 2011 18:11:39 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>

		<guid isPermaLink="false">http://chamberlainfc.com/?p=388</guid>
		<description><![CDATA[Below are the 5 characteristics of a GREAT 401(k) plan, keeping in mind that the goal of all great 401(k) plans is to provide meaningful retirement income for the employees of the plan.]]></description>
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		<title>5 Common Financial Myths Busted</title>
		<link>http://www.figuide.com/5-common-financial-myths-busted.html</link>
		<comments>http://www.figuide.com/5-common-financial-myths-busted.html#comments</comments>
		<pubDate>Wed, 08 Jun 2011 22:06:34 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>

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		<description><![CDATA[There's a lot of advice out there, particularly on finances and investments.  You have heard many of the same things over and over again, but are they actually true?  We dis-spell the myths on 5 common pieces of financial advice, that are actually myths.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The Most Common 401k Challenges</title>
		<link>http://www.figuide.com/do-not-trip-over-basic-401k-hurdles.html</link>
		<comments>http://www.figuide.com/do-not-trip-over-basic-401k-hurdles.html#comments</comments>
		<pubDate>Sun, 05 Jun 2011 18:42:53 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>

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		<description><![CDATA[Everyone knows 401k plans as the most popular employer sponsored retirement plan, but what you may not know are many of the challenges 401k participants face.  Read on to see the 4 most common challenges facing 401k participants. ]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Fee-Only Financial Planners Help You in Three Ways</title>
		<link>http://www.figuide.com/fee-only-financial-planners-help-you-in-three-ways.html</link>
		<comments>http://www.figuide.com/fee-only-financial-planners-help-you-in-three-ways.html#comments</comments>
		<pubDate>Sat, 04 Jun 2011 18:35:49 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://chamberlainfp.com/?p=839</guid>
		<description><![CDATA[Life is increasingly complex particularly in the area of finance. There are changes in taxation, governmental regulations, mortgages, credit, insurance, education funding, and the stock market domestically and abroad. Social programs such as Medicare, Social Security, and pensions are undergoing change, which can impact your future. Given all these changes, making good financial decisions is [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Is Your Home Included in Your Trust?</title>
		<link>http://www.figuide.com/is-your-home-included-in-your-trust.html</link>
		<comments>http://www.figuide.com/is-your-home-included-in-your-trust.html#comments</comments>
		<pubDate>Fri, 08 Apr 2011 11:44:57 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[ensuring your assets are protected in a trust]]></category>
		<category><![CDATA[including your home in a trust]]></category>
		<category><![CDATA[mortgages and trusts]]></category>

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		<description><![CDATA[If you included your home in your trust and then re-financed your mortgage, you may need to[...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>The Best and Worst Ways to Spend Your Tax Refund</title>
		<link>http://www.figuide.com/the-best-and-worst-ways-to-spend-your-tax-refund.html</link>
		<comments>http://www.figuide.com/the-best-and-worst-ways-to-spend-your-tax-refund.html#comments</comments>
		<pubDate>Wed, 06 Apr 2011 16:10:24 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Tax Planning]]></category>

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		<description><![CDATA[Millions of Americans have already or will be receiving (if the government doesn't shut down) a tax refund from their 2010 tax filings.  For those getting a refund, many ask the question, what is the best way to spend my refund? We've laid out the best and worst things you could possibly do with your refund to answer exactly that question.  ]]></description>
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		<title>10 Gaps That May Have You Questioning Your 401k</title>
		<link>http://www.figuide.com/10-pitfalls-that-may-have-you-questioning-your-401k.html</link>
		<comments>http://www.figuide.com/10-pitfalls-that-may-have-you-questioning-your-401k.html#comments</comments>
		<pubDate>Tue, 01 Mar 2011 11:32:36 +0000</pubDate>
		<dc:creator>Michael Chamberlain, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=9441</guid>
		<description><![CDATA[401k's are today's most popular retirement savings vehicle for employees.  However, recent expert analysis has shown that 401k's are not all that they are cracked up to be.  We show you 10 pitfalls in 401k plans that every participant should be aware of.]]></description>
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