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	<title>FiGuide - A Retirement Plan That Works! &#187; Sherrill St. Germain, 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>10 Tips For Starting Your Own Business</title>
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		<comments>http://www.figuide.com/10-tips-for-starting-your-own-business.html#comments</comments>
		<pubDate>Fri, 17 Jun 2011 19:37:09 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[career change]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[self-employment]]></category>

		<guid isPermaLink="false">http://blog.newmeans.com/?p=2348</guid>
		<description><![CDATA[For those dreaming of starting their own business, this is a MUST read before taking the plunge.]]></description>
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		<title>3 Lessons in Risk Tolerance</title>
		<link>http://www.figuide.com/3-lessons-in-risk-tolerance.html</link>
		<comments>http://www.figuide.com/3-lessons-in-risk-tolerance.html#comments</comments>
		<pubDate>Tue, 29 Mar 2011 17:57:35 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Investing Strategies]]></category>
		<category><![CDATA[Diversification]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[slippery slope]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10359</guid>
		<description><![CDATA[Who knew snow parks and finances could inter-relate?  Here's how one day in the cold taught valuable lessons about managing risk tolerance[...]]]></description>
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		<title>3 Money Saving Tips For Your Next Vacation</title>
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		<comments>http://www.figuide.com/3-money-saving-tips-for-your-next-vacation.html#comments</comments>
		<pubDate>Sun, 27 Mar 2011 16:51:56 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[family vacation]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=10353</guid>
		<description><![CDATA[Even though household budgets may be tight, many family's still plan on taking a family vacation this year.  A family vacation doesn't need to kill your finances.  Here are 3 practical tips to help you and your family save on your next family vacation.  Enjoy!]]></description>
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		<title>How To Test Your Plan Before You Make Your Career Change Leap</title>
		<link>http://www.figuide.com/how-to-test-your-plan-before-you-make-your-career-change-leap.html</link>
		<comments>http://www.figuide.com/how-to-test-your-plan-before-you-make-your-career-change-leap.html#comments</comments>
		<pubDate>Thu, 21 Oct 2010 15:19:15 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[career]]></category>
		<category><![CDATA[career change]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=7749</guid>
		<description><![CDATA[When it comes to career change, including retirement, this often shows up as an overly optimistic view of how much it is possible to reduce living expenses, in order to pull off the desired change.]]></description>
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		<title>How To Create a Budget That Works</title>
		<link>http://www.figuide.com/how-to-create-a-budget-that-works.html</link>
		<comments>http://www.figuide.com/how-to-create-a-budget-that-works.html#comments</comments>
		<pubDate>Wed, 29 Sep 2010 14:17:46 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[family finance]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=7348</guid>
		<description><![CDATA[Nevertheless, whether you call it the "B" word, a spending plan, cash flow management, or [insert euphemism here], I tend to agree with many of my clients who wrinkle their noses in horror and recoil at the prospect of keeping track of expenses at a detailed level. ]]></description>
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		<title>From Unemployed to Self-Employed&#8230; Here&#8217;s What You Need to Get There</title>
		<link>http://www.figuide.com/from-unemployed-to-self-employed-heres-what-you-need-to-get-there.html</link>
		<comments>http://www.figuide.com/from-unemployed-to-self-employed-heres-what-you-need-to-get-there.html#comments</comments>
		<pubDate>Wed, 11 Aug 2010 19:46:38 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6810</guid>
		<description><![CDATA[According to a new CareerBuilder survey, many are taking matters into their own hands when it comes to earning a living, with more than a quarter of those laid off in the last six months pondering self-employment.  ]]></description>
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		<title>High Deductible Health Care: What You&#8217;ll Need to Know</title>
		<link>http://www.figuide.com/high-deductible-health-care-what-youll-need-to-know.html</link>
		<comments>http://www.figuide.com/high-deductible-health-care-what-youll-need-to-know.html#comments</comments>
		<pubDate>Thu, 24 Jun 2010 21:25:37 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[HDHP]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[high deductible]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6412</guid>
		<description><![CDATA[In the good old days (last year and before), my view of the health insurance industry was&#8230; ahem&#8230; kind of academic. If asked to comment on the future of health care, I might spout CFP® jargon such as &#8220;the law of large losses&#8221; and &#8220;shared responsibility&#8221; to explain why I thought costs were so high, but care standards not always as lofty, and why I anticipated an eventual, near-complete transition of the industry to high-deductible health plans (HDHP).
Safely ensconced in a comprehensive health care policy (read: old-fashioned one that actually ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Finance Tools Go Mobile</title>
		<link>http://www.figuide.com/finance-tools-go-mobile.html</link>
		<comments>http://www.figuide.com/finance-tools-go-mobile.html#comments</comments>
		<pubDate>Thu, 25 Feb 2010 19:23:50 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[handheld devices]]></category>
		<category><![CDATA[managing money]]></category>
		<category><![CDATA[mobile device]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[personal finance apps]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=5515</guid>
		<description><![CDATA[Once upon a time, paper ruled the earth -- or at least the personal finance world. Money, bills, statements, checks, coupons, tickets: all came on paper. Transactions were made, expenses tracked, and checkbooks balanced by hand with pen, paper and (gasp!) arithmetic. And this worked reasonably well back in the days when the pace of life was slower, and we all bought a whole lot less. With the arrival of the information age and our ever-shrinking "spare time", PC- and, later, Web-based personal finance tools were introduced to great fanfare.[...]]]></description>
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		<title>Financial Tips In Exactly Three Words</title>
		<link>http://www.figuide.com/financial-tips-in-exactly-three-words.html</link>
		<comments>http://www.figuide.com/financial-tips-in-exactly-three-words.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 06:24:27 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[finance tips]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=5347</guid>
		<description><![CDATA[Last fall, after years as a &#8220;do-it-yourselfer&#8221; in the area of fitness, I surprised myself and decided to hire a personal trainer, Laura Creagan of New England Endurance Training. No, I&#8217;m not a Hollywood starlet trying to get her pre-baby, red carpet-ready body back or an elite athlete trying to win Olympic gold. I&#8217;m not even trying to compete in, much less win, any races at the local, &#8220;age group&#8221; level.
I&#8217;m just someone who loves the same activities Laura loves &#8211; cycling, cross-country skiing, running, etc. Someone who gets a ...]]></description>
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		<title>Recently reemployed? Great! Now’s the time to prep for next time…</title>
		<link>http://www.figuide.com/recently-reemployed-great-now%e2%80%99s-the-time-to-prep-for-next-time%e2%80%a6.html</link>
		<comments>http://www.figuide.com/recently-reemployed-great-now%e2%80%99s-the-time-to-prep-for-next-time%e2%80%a6.html#comments</comments>
		<pubDate>Thu, 04 Feb 2010 00:11:48 +0000</pubDate>
		<dc:creator>Sherrill St. Germain, CFP®</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://blog.newmeans.com/?p=1851</guid>
		<description><![CDATA[Congratulations! If you&#8217;re one of the many rejoining the workforce after a period of unemployment, definitely take a moment to celebrate and appreciate what not so long ago we used to take for granted: a full-time job. 
OK, but no rest for the weary&#8230;  Now it&#8217;s time to get serious and take advantage of your newfound [...]]]></description>
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