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	<title>FiGuide - A Retirement Plan That Works! &#187; Richard T. Feight, 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>Should You Be Chasing Dividends?</title>
		<link>http://www.figuide.com/should-you-be-chasing-dividends.html</link>
		<comments>http://www.figuide.com/should-you-be-chasing-dividends.html#comments</comments>
		<pubDate>Sat, 10 Sep 2011 23:50:57 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=764</guid>
		<description><![CDATA[Dividends are attracting investor's attention these days as dividend yielding stocks and investments are paying higher returns than fixed income assets, like bonds, but as an investor, how much dividend yielding investments should be a part of your portfolio?]]></description>
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		<title>How To Defer Investment Taxes</title>
		<link>http://www.figuide.com/how-to-defer-investment-taxes.html</link>
		<comments>http://www.figuide.com/how-to-defer-investment-taxes.html#comments</comments>
		<pubDate>Mon, 18 Jul 2011 12:47:14 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=671</guid>
		<description><![CDATA[The simplest form of tax deferral is by putting money in your 401k or IRA. You put a portion of your income away before taxes so that you can use that income later in retirement. That’s the basic form of tax deferral. But did you know that there are advanced forms of tax deferral?]]></description>
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		<title>Why Index Funds Beat Actively Managed Mutual Funds</title>
		<link>http://www.figuide.com/why-index-funds-beat-actively-managed-mutual-funds.html</link>
		<comments>http://www.figuide.com/why-index-funds-beat-actively-managed-mutual-funds.html#comments</comments>
		<pubDate>Fri, 24 Jun 2011 14:41:39 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=677</guid>
		<description><![CDATA[There has been a lot of research that explains why index funds outperform actively managed mutual fund. I thought I’d share a distilled version:]]></description>
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		<slash:comments>0</slash:comments>
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		<title>4 Investing Fees You Need to Be Aware Of</title>
		<link>http://www.figuide.com/4-investing-fees-you-need-to-be-aware-of.html</link>
		<comments>http://www.figuide.com/4-investing-fees-you-need-to-be-aware-of.html#comments</comments>
		<pubDate>Tue, 07 Jun 2011 21:00:48 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=668</guid>
		<description><![CDATA[All investors seek high returns, but not all investors know about the fees that eat into their returns.  We highlight the 4 key fees that can eat into your returns most and how you can become more vigilant about seeking out fees in your investments today and for tomorrow. ]]></description>
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		<title>The Best Free Online Budgeting Tools</title>
		<link>http://www.figuide.com/the-best-free-online-budgeting-tools.html</link>
		<comments>http://www.figuide.com/the-best-free-online-budgeting-tools.html#comments</comments>
		<pubDate>Mon, 23 May 2011 17:36:05 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=648</guid>
		<description><![CDATA[Budgeting isn't fun for anyone, but there are numerous free online tools that not only make budgeting easier, but can actually make it fun.  Check them out here: ]]></description>
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		<title>How Inflation Affects Your Family&#8217;s Finances</title>
		<link>http://www.figuide.com/how-inflation-affects-your-familys-finances.html</link>
		<comments>http://www.figuide.com/how-inflation-affects-your-familys-finances.html#comments</comments>
		<pubDate>Mon, 09 May 2011 16:01:07 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.thinkingbeyondnumbers.com/?p=601</guid>
		<description><![CDATA[Inflation is everywhere in the news headlines today, but what exactly is it and what does it mean for you and your family's finances?  You may be suprised at exactly what inflation is measuring and what it is not...]]></description>
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		<title>The Best Way to Start the Estate Planning Process</title>
		<link>http://www.figuide.com/the-best-way-to-start-the-estate-planning-process.html</link>
		<comments>http://www.figuide.com/the-best-way-to-start-the-estate-planning-process.html#comments</comments>
		<pubDate>Thu, 14 Apr 2011 14:26:20 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Estate planning]]></category>
		<category><![CDATA[preparing your estate]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10800</guid>
		<description><![CDATA[Estate planning is a touchy subject for many, and understandably so, but it's one that is necessary to discuss and set up.  It can be hard to know where to start, so here are some questions that can guide the discussion and give it a focus[...]]]></description>
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		<title>How To Become a Millionaire If You Make Less Than $40,000</title>
		<link>http://www.figuide.com/how-to-become-a-millionaire-if-you-make-less-than-40000.html</link>
		<comments>http://www.figuide.com/how-to-become-a-millionaire-if-you-make-less-than-40000.html#comments</comments>
		<pubDate>Tue, 12 Apr 2011 21:02:02 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[millionaire mind]]></category>
		<category><![CDATA[net worth]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10794</guid>
		<description><![CDATA[Many would agree that millionaires think differently about money than most of us do, but why does it make a difference in ones personal finances?  Here are three ways to[...]   ]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>College Is Just Around The Corner; Here&#8217;s What You Need To Do</title>
		<link>http://www.figuide.com/college-is-just-around-the-corner-heres-what-you-need-to-do.html</link>
		<comments>http://www.figuide.com/college-is-just-around-the-corner-heres-what-you-need-to-do.html#comments</comments>
		<pubDate>Tue, 08 Feb 2011 04:32:52 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[College & Education]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=9213</guid>
		<description><![CDATA[Have a child in high school and trying to figure out how you'll pay for his or her college education?  There are some last minute tips that provide parents with practical and timely advice on things parents (and their children) can do while they're in high school to better manage the looming costs of college.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Steps To Successfully Saving For College</title>
		<link>http://www.figuide.com/5-steps-to-successfully-saving-for-college.html</link>
		<comments>http://www.figuide.com/5-steps-to-successfully-saving-for-college.html#comments</comments>
		<pubDate>Tue, 11 Jan 2011 02:54:45 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[College & Education]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=8848</guid>
		<description><![CDATA[With the cost of college increasing almost exponentially lately, I’ve had several requests for information on college planning, so I thought I’d put together some tips.]]></description>
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