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	<title>Kimberly J. Howard, CFP®  Blog</title>
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		<title>Kimberly J. Howard, CFP®  Blog</title>
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		<title>How to Fund Your Way to College</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/05/14/how-to-fund-your-way-to-college/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/05/14/how-to-fund-your-way-to-college/#comments</comments>
		<pubDate>Tue, 14 May 2013 14:26:11 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[College Funding]]></category>
		<category><![CDATA[college funding]]></category>
		<category><![CDATA[college savings]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=407</guid>
		<description><![CDATA[With the cost of college rising quicker than the inflation in this country, figuring out how to save for college can be quite a task. However, college is the best investment that can be made—individuals with college degrees make twice as much, on average, than those with just high school diplomas. So, the perilous road [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=407&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">College</media:title>
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		<title>4 Tips To Help You Save For Retirement</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/05/07/4-tips-to-help-you-save-for-retirement/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/05/07/4-tips-to-help-you-save-for-retirement/#comments</comments>
		<pubDate>Tue, 07 May 2013 14:37:08 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Roth]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=402</guid>
		<description><![CDATA[If you haven’t already started saving for retirement, it’s time to start. The reality of the situation is that unless you are planning on working well past the age of 60, you can’t wait until you’re older to start your plan for retirement. The following are four tips to help you save for retirement effectively: [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=402&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Globe</media:title>
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		<title>Top Tips for Foreign Investing</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/04/30/top-tips-for-foreign-investing/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/04/30/top-tips-for-foreign-investing/#comments</comments>
		<pubDate>Tue, 30 Apr 2013 14:34:34 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[China investing]]></category>
		<category><![CDATA[global]]></category>
		<category><![CDATA[global investing]]></category>
		<category><![CDATA[investing]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=390</guid>
		<description><![CDATA[As the global economy seeks to expand, more investors are finding that their portfolios are becoming inevitably diversified from foreign markets. Products that reach consumers at a global level almost always involve an international supply chain that requires various investments in various foreign markets. For example, investors might find infrastructure or job training investments in [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=390&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Globe</media:title>
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		<title>The Current State of Social Security</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/04/18/the-current-state-of-social-security/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/04/18/the-current-state-of-social-security/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 16:26:58 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Wages. retirement]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=385</guid>
		<description><![CDATA[Democrats are typically the staunchest supporters of the American social safety net, particularly when it comes to Medicare and Social Security. Thus, it came as a surprise when President Obama submitted a budget that made some concessions to congressional Republicans on Social Security. The crux of the President’s proposal for Social Security was that its [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=385&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Social Security Card</media:title>
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		<item>
		<title>5 Tips to Help You Save Money And Start Investing</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/04/16/5-tips-to-help-you-save-money-and-start-investing/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/04/16/5-tips-to-help-you-save-money-and-start-investing/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 14:07:26 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[General Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[cds]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=382</guid>
		<description><![CDATA[Many Americans faced with the opportunity to invest, have not yet started because of uncertainty with how to get started or because they don’t think they have enough money saved. For those looking to start saving money to invest, the following are five helpful tips: Tip #1 Eliminate Credit Card Debt Killing your credit card [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=382&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Cash</media:title>
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		<item>
		<title>Home Office Tax Deductions</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/04/09/home-office-tax-deductions/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/04/09/home-office-tax-deductions/#comments</comments>
		<pubDate>Tue, 09 Apr 2013 14:37:13 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[home tax deductions]]></category>
		<category><![CDATA[income taxes]]></category>
		<category><![CDATA[tax deductions]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=377</guid>
		<description><![CDATA[For people who own their own business or simply choose to work from a home office, taxpayers are entitled to claim a few home office deductions from their yearly tax payments to the federal government. These deductions include everything from utility costs, gasoline and mileage use, mortgage payments, and miscellaneous costs toward business equipment. These [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=377&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
		</media:content>

		<media:content url="http://kjhfinancialservices.files.wordpress.com/2013/04/house.gif?w=150" medium="image">
			<media:title type="html">House</media:title>
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		<item>
		<title>Ins and Outs of Investing</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/03/26/ins-and-outs-of-investing/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/03/26/ins-and-outs-of-investing/#comments</comments>
		<pubDate>Tue, 26 Mar 2013 14:24:25 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Roth RA]]></category>
		<category><![CDATA[Traditional IRA]]></category>
		<category><![CDATA[age investing]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[cds]]></category>
		<category><![CDATA[invesments]]></category>
		<category><![CDATA[life style investments]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=366</guid>
		<description><![CDATA[Whether you’re looking to grow your income to finance your hobbies, expand your business, or contribute to a nest egg, making your investments work for you is surprisingly simple.  Jumping into the investment market as a teen or a retiree makes no difference, there are both quick and slow ways to build up your investments.  [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=366&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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		<media:content url="http://kjhfinancialservices.files.wordpress.com/2013/03/investments.jpg?w=100" medium="image">
			<media:title type="html">Combination on the Stock Market</media:title>
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		<item>
		<title>How You Aren’t Saving Money on Your Brokerage Account</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/03/19/how-you-arent-saving-money-on-your-brokerage-account/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/03/19/how-you-arent-saving-money-on-your-brokerage-account/#comments</comments>
		<pubDate>Tue, 19 Mar 2013 14:24:50 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[brokerage accounts]]></category>
		<category><![CDATA[fee-only planner]]></category>
		<category><![CDATA[investment manager]]></category>
		<category><![CDATA[investments]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=361</guid>
		<description><![CDATA[If you have a brokerage account with one of the three largest online brokers like E-trade, Schwab or TD Ameritrade, you may be paying more money for your trade account than necessary. The following are five things your popular online broker isn’t telling you about the service that you are receiving: 1. “When It Comes [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=361&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Investments</media:title>
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		<title>Little-known Income Tax Deductions</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/03/12/little-known-income-tax-deductions/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/03/12/little-known-income-tax-deductions/#comments</comments>
		<pubDate>Tue, 12 Mar 2013 14:23:49 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[charity deduction]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[moving deduction]]></category>
		<category><![CDATA[new job deduction]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[tax deductions]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=356</guid>
		<description><![CDATA[At tax time, every possible deduction can help when money is tight. Yet many available legal deductions go unclaimed each year, simply because most Americans still don’t know they exist. From cost savings for eyeglasses to approved deductions for airline baggage fees, no matter who you are, you’re likely to find at least one applicable [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=356&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Tax Deductions</media:title>
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		<title>Surviving the Seasonal Stress of Filing Taxes</title>
		<link>http://kjhfinancialservices.wordpress.com/2013/03/05/surviving-the-seasonal-stress-of-filing-taxes/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2013/03/05/surviving-the-seasonal-stress-of-filing-taxes/#comments</comments>
		<pubDate>Tue, 05 Mar 2013 15:23:14 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®, ADPA®</dc:creator>
				<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[income taxes]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[tax refund]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[taxman]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=347</guid>
		<description><![CDATA[It’s often said that the winter holidays are the most stressful time of year, but I bet anyone who has to file an income tax return could easily argue against that contention. With mounting anxiety, Americans often procrastinate for weeks or months before rushing around to collect all the necessary paperwork they need to file. [&#8230;]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&#038;blog=12247112&#038;post=347&#038;subd=kjhfinancialservices&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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