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	<description>Personal Finance Advice, News, &#38; Opinions  by the Professionals</description>
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		<title>Top 10 Mistakes Investors Make With Their 401ks</title>
		<link>http://www.figuide.com/top-10-mistakes-investors-make-with-their-401ks.html</link>
		<comments>http://www.figuide.com/top-10-mistakes-investors-make-with-their-401ks.html#comments</comments>
		<pubDate>Thu, 29 Jul 2010 11:04:35 +0000</pubDate>
		<dc:creator>Richard T. Feight, CFP®</dc:creator>
				<category><![CDATA[401k Center]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6721</guid>
		<description><![CDATA[Over the years you begin to see a pattern of mistakes that people make with their 401ks. Considering that upwards of 66% of current workers retirement income will come from their savings, I’m amazed that people don’t pay more attention.]]></description>
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		<title>Six Tax Benefits For Job Seekers</title>
		<link>http://www.figuide.com/six-tax-benefits-for-job-seekers.html</link>
		<comments>http://www.figuide.com/six-tax-benefits-for-job-seekers.html#comments</comments>
		<pubDate>Tue, 27 Jul 2010 11:35:23 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6712</guid>
		<description><![CDATA[
			
				
			
		
The IRS recently published their Summertime Tax Tip 2010-04, entitled  “Six Tax Benefits for Job Seekers”, with some good tips that you should  know as you go about your job hunt.  The text of the actual publication  from the IRS follows, and at the end of the article I have added a few  additional job-related tax breaks that could be useful to you.
Six Tax Benefits for Job Seekers
Many taxpayers spend time during the summer months updating their  resume and attending career fairs.  If you are ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Will Financial Reform Live up to the Political Hype?</title>
		<link>http://www.figuide.com/will-financial-reform-live-up-to-the-political-hype.html</link>
		<comments>http://www.figuide.com/will-financial-reform-live-up-to-the-political-hype.html#comments</comments>
		<pubDate>Thu, 22 Jul 2010 15:30:00 +0000</pubDate>
		<dc:creator>Curtis A Smith, CFP®</dc:creator>
				<category><![CDATA[Banking & Budgeting]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://icmcfinancialadvisors.com/will-financial-reform-live-up-to-the-political-hype/</guid>
		<description><![CDATA[Will Financial Reform Live Up to the Political Hype?Much is hazy about the Dodd-Frank bill, even though it has passed.Will the goals of the reform bill really be met? On July 15, the Dodd-Frank Wall Street Reform and Consumer Protection Act passed 60-3...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Strategies For Getting A College Scholarship</title>
		<link>http://www.figuide.com/strategies-for-getting-a-college-scholarship.html</link>
		<comments>http://www.figuide.com/strategies-for-getting-a-college-scholarship.html#comments</comments>
		<pubDate>Fri, 16 Jul 2010 10:40:48 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC®, CFDP®</dc:creator>
				<category><![CDATA[College & Education]]></category>
		<category><![CDATA[Featured]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6657</guid>
		<description><![CDATA[According to Catherine, merit-based scholarships are often much easier to qualify for than need-based.  Colleges are often seeking different student profiles to round out their freshman class, so applying to multiple schools increases the opportunity for an attractive scholarship package]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Reasons Why You Should Stay In The Market</title>
		<link>http://www.figuide.com/reasons-why-you-should-stay-in-the-market.html</link>
		<comments>http://www.figuide.com/reasons-why-you-should-stay-in-the-market.html#comments</comments>
		<pubDate>Tue, 13 Jul 2010 11:55:11 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6639</guid>
		<description><![CDATA[After a couple weeks of difficult market returns, investor fears are creeping up. As investor fears increase, so do the number of questions I receive regarding the market. Most of the questions revolve around the concept of exiting the market, essentially market timing. ]]></description>
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		<title>How Much is Enough For Retirement?</title>
		<link>http://www.figuide.com/how-much-is-enough-for-retirement.html</link>
		<comments>http://www.figuide.com/how-much-is-enough-for-retirement.html#comments</comments>
		<pubDate>Thu, 01 Jul 2010 11:54:00 +0000</pubDate>
		<dc:creator>Cathy Curtis, CFP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6549</guid>
		<description><![CDATA[
			
				
			
		
None of us knows how long we will live. But you can be sure that the  longer you live the more money you will need – unless – you’re willing  to reduce your lifestyle in retirement. According to IRS issued life  expectancy tables, the life expectancy for a 25 year old is 83.2, for a  50 year old 84.2 and for a 75 year old it’s 88.4.
The older you get the more years you are expected to live. We can  thank medical science and our ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>10 Facts to Know About Capital Gains Tax</title>
		<link>http://www.figuide.com/10-facts-to-know-about-capital-gains-tax.html</link>
		<comments>http://www.figuide.com/10-facts-to-know-about-capital-gains-tax.html#comments</comments>
		<pubDate>Tue, 29 Jun 2010 03:59:34 +0000</pubDate>
		<dc:creator>Jim Blankenship, CFP®, EA</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6529</guid>
		<description><![CDATA[
			
				
			
		
If you own taxable investment accounts, real estate, collectibles, or literally any item that can appreciate or depreciate in value, you’ve likely had to deal with capital gains or losses on your tax return.  (Actually, only if you’ve sold the item.)  But how much do you really know about capital gains and losses?  The IRS has published Tax Tip 2010-35 listing 10 Facts About Capital Gains and Losses – detailing what the IRS deems important about gains and losses and how they could effect your tax situation.  Following below the ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Can You Afford To &#8220;Go To Cash?&#8221;</title>
		<link>http://www.figuide.com/can-you-afford-to-go-to-cash.html</link>
		<comments>http://www.figuide.com/can-you-afford-to-go-to-cash.html#comments</comments>
		<pubDate>Thu, 24 Jun 2010 21:13:20 +0000</pubDate>
		<dc:creator>Bob Rall, CFP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6410</guid>
		<description><![CDATA[If I liquidated all of my investments into cash, I couldn’t spend it all in my lifetime.”  That’s a nice thing to be able to say.  But is it true?  Maybe.  But they had not considered a few risk factors.  And it is part of my job to point out the risks to their plan.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Historical Stock Market Returns &amp; Volatility &#8211; What it all Means</title>
		<link>http://www.figuide.com/historical-stock-market-returns-volatility-what-it-all-means.html</link>
		<comments>http://www.figuide.com/historical-stock-market-returns-volatility-what-it-all-means.html#comments</comments>
		<pubDate>Fri, 11 Jun 2010 16:59:46 +0000</pubDate>
		<dc:creator>Jean Keener, CRPC®, CFDP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Investing Strategies]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6371</guid>
		<description><![CDATA[
			
				
			
		
The US stock market has taken us on a bumpy ride in recent years. This volatility has tested investor discipline and prompted some people to question their commitment to stocks. While no one knows the future, looking at the past helps provide a better view of long-term market performance and puts the recent market volatility in perspective.

The above chart shows the historical distribution of US market returns since 1926. The performance years are stacked in ascending order by return range. This chart illustrates that:
Market performance over the past two years has been ...]]></description>
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		<title>Why a Roth IRA Conversion May Not Be Right For You</title>
		<link>http://www.figuide.com/why-a-roth-ira-conversion-may-not-be-right-for-you.html</link>
		<comments>http://www.figuide.com/why-a-roth-ira-conversion-may-not-be-right-for-you.html#comments</comments>
		<pubDate>Tue, 08 Jun 2010 22:00:26 +0000</pubDate>
		<dc:creator>Troy Von Haefen, CFP®</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[IRA Center]]></category>

		<guid isPermaLink="false">http://www.figuide.com/?p=6356</guid>
		<description><![CDATA[
			
				
			
		
The Roth conversion topic has certainly dominated headlines, articles,  and blog posts in 2010, but part of the story may be missing.  A Roth  conversion may not be the wisest financial move for some.  Most of the  reports regarding this conversion have touted the benefits, and little  has been written about the negative affects to a Roth conversion.
Roth  Conversion and College Planning
An ill-timed Roth  conversion can dampen financial aid prospects for some college bound  students.  The most important year for ...]]></description>
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